personal loans review February 2018 | personal loans review February 2018 was created to help people find the loans and funding they need. The company works with three types of personal loans, including: peer-to-peer loans, personal installment loans and bank personal loans. Requesting a loan is simple, and you can do so straight from’s website. The company works with third-party lenders, and can help you choose the right lender and loan type for your financial situation.

Product Personal Loans
Min Loan Amount$1,000
Max. Loan Amount$40,000
Min APR From 4.84%
Maximum Loan Term7 years
RequirementsYou must be a US citizen, at least 18 years old, have a valid social security number, be employed, and have a bank account in your name
Application Fee$0
  • Must be 18 years of age or older.
  • Must possess a valid Social Security number.
  • Must be a U.S. citizen or legal resident.
  • Should be able to provide proof of income by demonstrating full-time employment, self-employment, Social Security benefits, or regular disability benefits. A pay stub or other form of income verification may be requested by the lender or lending partner.
  • Bank account: Since the majority of lenders will deposit your funds directly into your account, you must have a personal bank account.
  • Credit score: Lenders may require you to show proof of previous financial responsibility. Eligibility may depend on several factors, including: recent or active bankruptcies, a pattern of late payments, outstanding accounts that are more than 60 days overdue, debts that cannot be repaid by your current income, and recently charged-off accounts.

How does a personal loan through work? is a loan-connection service rather than a direct lender. Instead of providing you with the loan directly, takes the application you submit and gives it to its network of lenders. These lenders may then come back with offers to meet your funding needs.

The amount of funding you can receive depends on factors like the kind of loan, credit score and lender type. Throughout the network of lenders, you can find funding from $1,000 to $40,000, with repayment terms typically ranging from to 7 year(s).

What are the benefits of personal loans?

  • Different loans. The company works with lenders that offer three types of loans. Each loan type that caters to different circumstances and factors. The three different personal loan types include: peer-to-peer loans, personal installment loans and bank personal loans.
  • Quick application. You can request a loan online in minutes. Additionally, there is no fee to request a loan.
  • Fast deposit. If you are approved, you could receive the funding deposited into your personal bank account as soon as the next business day.
  • No-obligation. If you are offered a loan from a lender, you are free to reject it and continue to look for other lender rates.
  • Perfect credit not required. Even if you don’t have the best credit, you can apply for a personal loan, and receive funding.
  • Withdrawals. Some lenders can set you up with automatic payment withdrawals, so you never have to worry about writing a check, or late penalties.
  • APR. The APR typically ranges from 4.84% p.a. The exact amount depends on factors like method of calculation, terms of the loan, fees and renewal options.

Compare to other personal loan connection services

Rates last updated February 22nd, 2018
Name Product Minimum Credit Score Max. Loan Amount APR Product Description
Even Financial Personal Loans
From 4.99% (fixed)
Get connected to competitive loan offers instantly from top online consumer lenders.
CompareFirst Personal Loans
From 2.99% (fixed)
An easy-to-use loan connection service geared toward introducing first-time borrowers to affordable personal loans.
LendingTree Personal Loan
From (fixed)
Receive up to five loan offers in just minutes through LendingTree's simple online form.
Monevo Personal Loans
From 3.09% (fixed)
Quickly compare direct lenders offering online loans with competitive rates depending on your credit score.
Zippyloan Personal Loans
Varies by lender
From (variable)
Apply with Zippyloan to be considered by over 100 lenders, all offering multiple loan options to suit your needs.
TakeLend Personal Loan Connection Service
All credit types welcome
From (fixed)

Compare up to 4 providers

How much will a personal loan through cost?

When you apply for a loan through you will not be charged anything to connect with a lender. There are also no fees from if you choose to accept one of the offers, however, the lender may have its own fees, unrelated to

With terms up to 7 year(s), you have the potential of low monthly payments. It should be noted that stretching out the length of the loan can also increase the overall cost of it.

How to apply for personal loans

Applying for a personal loan is easy, and requires applicants to meet the following eligibility requirements:
Eligibility criteria:

  • You must be a US citizen, a permanent resident or in the US on a valid long-term visa and have a Social Security number.
  • You must be at least 18 years old.
  • You must have verifiable income.
  • You must have a valid bank account.

Personal loans are not available to residents of Iowa or West Virginia.

You’ll need to gather the following information before applying:

  • Your name, contact information and date of birth.
  • How much you want to borrow and the purpose of the loan.
  • Your annual individual income.
  • Your employment and income information
  • Your bank account information and type

Some lenders may also require you to show proof of previous financial responsibilities, or credit score.

Bottom line

If you have bad credit but to borrow money soon, could help you find a personal loan of up to $40,000. Before choosing, be sure to compare them with other personal loan brokers.

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2 Responses

  1. Default Gravatar
    ChristinaOctober 18, 2017

    I just wanted to know if I could get a loan if my credit score is in the 400.

    • Default Gravatar
      JonathanOctober 19, 2017

      Hi Christina,

      Thank you for your inquiry.

      Welcome to – We are a financial comparison website and general information service designed to help consumers make better decisions. Please note that we are not affiliated with any company we feature on our site and so we can only offer a general advice.

      At LoanStart, they try to pair you with a lender or lending partner that offers personal installment loans, and each lender has their own lending criteria. Most of them accept less than excellent credit scores, so you can still give it a shot. You may click “Go to Site” green button to proceed with your application of your preferred provider.

      Hope this helps.


      Hope this helps.


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