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Mr. Amazing Loans personal loans review

These small loans have relatively high rates, but cater to borrowers with fair credit.’s rating: 3.5 / 5.0


  • Best for borrowers with fair credit looking for a fast turnaround.
  • Pick something else if you don't want to borrow $5,000 or $10,000 — the only two options it offers.


Min. Loan Amount$5,000
Max. Loan Amount$10,000
APR19.9% to 29.9%
Interest Rate TypeFixed
Min. Credit Score600
Loan Term60 months
Turnaround TimeAs soon as the same day

First, am I eligible?

If you’re interested in taking out a loan from Mr. Amazing Loans, you’ll have to meet the following criteria:

  • Age 21 or older
  • Minimum gross annual income of $25,000
  • Steady employment history
  • Credit score of at least 600
  • Checking account
  • Weekly payments
  • Established credit history
  • 2+ years re-established credit history bankruptcy
  • Reside in a state where Mr. Amazing Loans operates

Which states does Mr. Amazing Loans service?

Mr. Amazing Loans offers loans in five states:

  • California
  • Georgia
  • Illinois
  • Nevada
  • New Jersey


  • Fair credit accepted
  • Could get funds the same day you apply
  • Positive ratings on Trustpilot


  • Only available in five states
  • Weekly payments required
  • Only two loan options: $5,000 or $10,000 with a five-year term

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Mr. Amazing Loans reviews and complaints

BBB accreditedYes
BBB ratingA+
Trustpilot score4.8 out of 5 stars, based on 118 customer reviews
Customer reviews verified as of19 October 2020

Borrowers happy with Mr. Amazing Loans praise its helpful customer service team and fast application process. But most are from before 2018 — and there was only one review for Mr. Amazing Loans in 2019.

How do I apply?

Mr. Amazing Loans has a one-page application that should only take a few minutes to fill out. Follow these steps to get started:
  1. Visit Mr. Amazing Loans’ website, then select your state and preferred loan amount. Click Check Your Offer.
  2. Enter information about yourself, including your Social Security number and address.
  3. Select your purpose for borrowing, then click Check Your Offer.

What information do I need to apply?

To apply for a loan through Mr. Amazing Loans, you’ll need to provide the following information:

  • Social Security number
  • Bank account information

How to apply step-by-step with pictures

What happens after I apply?

Once you submit your application and your information is processed, Mr. Amazing Loans may request your personal and bank information. If your request is denied, you may be directed to an alternative provider that can connect you with other lenders.

If you’re approved and have signed the loan documents, your loan funds are deposited into your checking account. From here, you can use your loan for whatever purpose you stated in the application.

How do repayments work with Mr. Amazing Loans?

Mr. Amazing Loans’ personal loans come with weekly repayments over a five-year term that are withdrawn directly from your checking account.

If you know you’re going to miss a payment or have already missed one, contact Mr. Amazing Loans and request to set up an alternate payment plan or adjust your repayment date.

As with all loans, be sure to compare your options before you settle on a lender.

Frequently asked questions

Short-term loan ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor


Review by

Kellye Guinan is a seasoned financial writer with over 500 articles under her belt spanning all things loans from auto to personal to business and everything in between. With four years in the field and five years of research experience, she's able to make complex personal finance decisions easier for anyone to tackle. When she's not up to her knees learning about the latest trends in lending, she spends her time improving her own financial literacy and expertise — and maintaining a Duolingo streak of over 1,300 days.

Expert review

Mr. Amazing Loans might be a good option if you don’t have stellar credit and need to borrow $5,000 or $10,000 — those are the only two loan amounts it offers. It has relatively lax credit and income requirements compared to other lenders out there. And you could get your funds the same day you apply.

However, you’ll need to live in one of the five states it lends in to qualify. And all of its loans come with weekly repayments over a standard five-year term. While this means you’ll be paying less each month, it increases the total cost of your loan — especially if you only borrow $5,000.

Not sure Mr. Amazing Loans is all that amazing? Compare your other options below.

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