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Fiona personal loans review

  • Bethany Hickey's headshot
Fiona personal loans
4.3
★★★★★
Finder score
Max. Loan Amount
$100,000
APR
5.40% to 35.99%
Min. credit score
Poor

Our verdict

Get connected with personal lenders for free with this highly-rated connection service.

Fiona (formerly Even) is a free-to-use, online connection service with 31 personal loan providers. You can search for personal loans up to $100,000 — a very high maximum. Similar to other connection services, loan details vary on the lenders you're matched with. Fiona's lending partners offer rates starting at 5.4%, but the lowest rates are reserved for the best credit scores. And you may be bombarded with marketing emails and calls from Fiona's lending partners after applying.

Best for: Good to excellent credit borrowers looking for large personal loans.

Pros

  • Free to use with soft credit check
  • Compare lender offers in minutes
  • Highly-rated by BBB and past users

Cons

  • Shares your information with third-parties

In this guide

  • Our verdict
  • Details
    • Product details
    • Contact info
  • Your reviews
  • Ask a question

Details

Product details

Min. Loan Amount $1,000
Loan Amount $100,000
APR 5.40% to 35.99%
Interest Rate Type Fixed
Min. credit score Poor
Origination Fee 1% to 6%
Loan term 4 months to 12 years
Turnaround Time Varies by lender

Contact info

Phone number 800-614-7505
Twitter @hifionafinance
Facebook @hifionafinance

What makes Fiona shine

Fiona has over 300 lending partners. While only 31 of them are personal loan providers, that’s a lot of connections. For comparison, Monevo has around 150, Credible has 17 and LendingTree also has over 300. The more lending partners a connection service has, the better your odds at finding a lender that suits your situation.

Like other connection services, Fiona is free to use and offers prequalification with its partners with a soft credit check. Even if you don’t move forward with any of the offers listed by Fiona, your credit score isn’t impacted and there’s no obligation to move forward.

Fiona lists its lending partners on its site, separated by the loan type — a transparency that’s appreciated. Some connection services choose to list their partners, but it’s not always the case. Some partners include Best Egg, Lighstream, OppLoans and Upstart.

Additionally, Fiona has zero Better Business Bureau (BBB) complaints as of December 2022, and while not accredited with BBB, it carries an A+ rating.

Where Fiona falls short

Fiona falls short where many other connection services do: Past users commonly complain of being contacted by multiple lenders via email and phone after submitting a form with Fiona.

Connections services make their money through referrals. These connection services often collect your personal information and share it with third-parties. While this allows Fiona to showcase lender offers catered to your situation, it also means you’re likely to receive marketing calls or emails from its lending partners.

You can unsubscribe from Fiona’s marketing communications, but if you’re contacted by a third-party, you’ll have to unsubscribe or opt-out from communications with those businesses as well.

Borrowers with limited credit histories may not qualify

Fiona claims to have lending partners for nearly all credit scores. However, we submitted a few forms with Fiona and chose a poor/limited credit history for the prequalification, and sometimes received no offers or very few offers.

If you have a credit score below 500 or a limited credit history, you may not be eligible with Fiona’s current partners. However, the form doesn’t come with a hard credit check or obligation, so there’s no risk to try.

Fiona loan details

Fiona isn’t a direct lender so it doesn’t set personal loan details, but Fiona offers ranges for rates and amounts based on its current lending partners.

Minimum credit score/credit rangeNone stated
APR5.40% to 35.99%
Loan amounts$1,000 to $100,000
Terms4 to 144 months
Approval turnaroundVaries
AvailabilityAll 50 states
FeesNo fees to use service, lenders may charge:
  • Late fees
  • Prepayment penalties
  • Origination fees

How to qualify for Fiona

Fiona doesn’t have any hard and fast requirements — aside from requiring users to be at least 18 years old. It claims to have lending partners for nearly all credit scores.

How to apply

Head to Fiona’s site to apply, where you enter some basic personal information, such as your name, birth date, address, annual income and Social Security number. Fiona also asks what type of loan you’re looking for and its purpose, such as a personal loan for debt consolidation.

Here’s how the application works:

  1. Submit a form with Fiona.
  2. Review loan offer(s), then select a lender if interested.
  3. Apply and accept loan terms with the lender.
  4. Follow repayment plan.

Remember that if you do submit your information with Fiona, you’re not obligated to accept any loan offers or to move forward with an official application if you’re unhappy with the offers listed.

How Fiona compares to other lenders

Compare Fiona’s rates, terms and features to other popular personal loan providers.

Name Product Filter Values APR Min. credit score Loan amount
Best Egg personal loans
Finder Score: 3.8 / 5: ★★★★★
Best Egg personal loans
8.99% to 35.99%
640
$2,000 to $50,000
Fast and easy personal loan application process. See options first without affecting your credit score.
Upstart personal loans
Finder Score: 4.2 / 5: ★★★★★
Upstart personal loans
7.80% to 35.99%
300
$1,000 to $50,000
This service looks beyond your credit score to get you a competitive-rate personal loan.
SoFi personal loans
Finder Score: 4.4 / 5: ★★★★★
SoFi personal loans
8.99% to 29.99% fixed APR
680
$5,000 to $100,000
A highly-rated lender with competitive rates, high loan amounts and no required fees.
Upgrade
Finder Score: 4 / 5: ★★★★★
Upgrade
8.49% to 35.99%
620
$1,000 to $50,000
Check your rates with this online lender without impacting your credit score.
LendingPoint personal loans
Finder Score: 3.3 / 5: ★★★★★
LendingPoint personal loans
7.99% to 35.99%
620
$2,000 to $36,500
Get a personal loan with reasonable rates even if you have a fair credit score in the 600s.
Happy Money
Finder Score: 3.8 / 5: ★★★★★
Happy Money
11.72% to 24.50%
640
$5,000 to $40,000
Pay down your debt with a fixed APR and predictable monthly payments.
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Fiona reviews and complaints

BBB accredited No
BBB rating A+
BBB customer reviews
Trustpilot Score 4.3 out of 5 stars, based on 257 customer reviews.
Customer reviews verified as of 09 December 2022

Fiona doesn’t have any customer reviews or complaints on BBB, which is both a good and bad thing. Having some customer reviews could offer more insight, but the lack of complaints is a good sign. Fiona holds an A+ rating with the BBB. The BBB rates a business based on customer complaints, time in business, transparency and having proper licensing.

On Trustpilot, there’s over 200 reviews and the majority are very positive. Customers typically report a quick, simple and easy process in finding a lender with Fiona’s service. However, the negative reviews commonly complain of multiple “spam” calls from other lenders and frequent emails after applying. But this feedback is pretty typical among connection services.

Is Fiona legit?

Fiona is a legitimate connection service. It’s powered by Even Financial, and Fiona was formerly known as the connection service Even.

It’s been in business for 12 years, and a few of its 31 personal loan provider partners include:

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Bethany Finder

Editor, Banking

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