personal loans review December 2018 | personal loan review

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Discover personal loan options from multiple lenders — all in one place is a loan-connection service that gives you a convenient way to get a suitable personal loan through its nationwide network of lenders. However, its limited lender network might not make it the best place to compare a variety of personal loan options.
Product Loan Connection Service
Min Loan Amount$500
Max. Loan Amount$35,000
APR2.47% (As low as)
Interest Rate TypeFixed
Minimum Loan Term.25 year
Maximum Loan Term6 years
RequirementsDepending on the size and terms of the loan that you are seeking, there are several criteria that you may need to meet in order to be eligible for certain lenders.


  • Quick delivery of funds.
  • Transparent loan terms.
  • No prepayment penalty.


  • High APRs of up to 35.99%.
  • Must be 18 or older
  • Must have a Social Security number
  • Be a legal U.S citizen or permanent resident
  • You must either have full-time employment, be self-employed, or receive regular disability or Social Security benefits
  • Must have a valid checking account

Do I qualify?

In order to apply with, you’ll have to meet a few minimum requirements.

  • You must have a credit score of at least 580
  • You must have a valid bank account
  • You must have a regular source of income
  • You must have no accounts that are overdue by 60 days or more
  • You must not have any current or recent bankruptcies

Available in 47 states is available everywhere in the US besides Arkansas, Georgia and New York.

How does work? is a connection service. By submitting one application, you can be considered by a wide network of lenders. If approved, you’ll be able to choose between offers crafted for your specific needs. Depending on the lender and the time of your application, you may even be able to receive your funds within one business day.

With personal loans available from $500 up to $35,000, offers access to numerous lenders that can help you get cash quickly. If you have a credit score of 580 or higher, you can receive loan offers with transparent lending conditions from some of the nation’s top lenders in a matter of minutes. Your loan’s terms will vary by lender. Read over your loan contract before signing to be sure you’re getting a good deal, and don’t hesitate to contact the lender you’re connected with if you have any questions.

What personal loan options are available?

Laws and regulations that govern personal loans vary from state to state, which has a bearing on the loans that you can apply for through Depending on the state you live in, your options may include

  • Peer-to-peer loans. may be able to connect you with a peer-to-peer lender looking to invest in a loan. You typically need a credit score of over 580 to qualify.
  • Installment loans. The regulations surrounding installment loans vary by state, but may be able to connect you to a lender that offers a short-term loan option that can work for you. Borrowers don’t have to have the best credit, but a score of 580 or more is preferred.
  • Bank personal loan. To qualify for a bank loan, you’ll need a credit score of at least 580 and a minimum income of $3,000 per month in order to be connected with a lender through

What are the benefits of loans?

While there are many different benefits to using the network, here are a few of our favorites:

  • Three loan types to choose from. With, you may be able to choose a peer-to-peer loan, installment loan or a bank personal loan.
  • Access to multiple lenders. allows you to submit your information to one system and review offers from a number of lenders who may be interested in providing your personal loan. This can save you time and energy, while giving you the opportunity to compare multiple lenders at once.
  • Easy application. For new borrowers, the application for a personal loan can be completed in just three basic steps. Once the application is complete, your loan request will be matched against potential lenders to discover the right personal loan provider for you.

What should I look out for?

  • Possible payments twice a month. Your pay schedule will determine how frequently loan payments are due. While it might not change the total cost of your loan, it will impact how you budget for your loan.
  • Choice limited by network. Even the best loan connection services can’t to link you with every lender that’s out there. You should still take some time to compare your other loan options in addition to applying with
  • It’s not a direct lender. This isn’t necessarily a bad thing, but it’s important to keep in mind that is only a connection service. If you have any problems after you complete your loan application, reach out to your lender.

Compare more personal loan providers

Rates last updated December 13th, 2018

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Unfortunately, none of the personal loan providers offer loans for that credit score. If you are in urgent need of a small loan, you might want to consider a short term loan.
Name Product Product Description Min. Credit Score Max. Loan Amount APR
Even Financial Personal Loans
Get connected to competitive loan offers instantly from top online consumer lenders.
3.84% to 35.99% (fixed)
Credible Personal Loans
Get personalized rates in minutes and then choose a loan offer from several top online lenders.
Good to excellent credit
4.99% to 36% (fixed)
LendingClub Personal Loan
A peer-to-peer lender offering fair rates based on your credit score.
6.95% to 35.89% (fixed)
Monevo Personal Loans
Quickly compare multiple online lenders with competitive rates depending on your credit score.
3.34% to 35.99% (fixed)
NetCredit Personal Loan
Check eligibility in minutes and get a personalized quote without affecting your credit score.
34% to 155% (Varies by state) (fixed)
SoFi Personal Loan Fixed Rate (with Autopay)
No fees. Multiple member perks such as community events and career coaching.
7.24% to 15.24% (fixed)
Marcus by Goldman Sachs Personal Loans
Consolidate your debt or pay off large expenses with competitive rates and no fees.
Good to excellent credit
6.99% to 24.99% (fixed)
OneMain Financial Personal and Auto Loans
An established online and in-store lender with quick turnaround times. Poor credit is OK.
16.05%–35.99%* (fixed)
Conveniently check your loan options without affecting your credit score.
9.95% to 35.99% (fixed)

Compare up to 4 providers

Is legit?

Yes. legally operates as a connection service in almost every state. It is also a member of the Online Lenders Alliance (OLA), a trade organization that sets industry standards. While you’re applying online, uses industry-standard SSL encryption to protect your personal information.

However, you must agree to let to share your information with its affiliate lenders. This is standard for connection services, but customers are sometimes unpleasantly surprised by phone calls and emails from lenders that can continue even after they found financing.

What does the Internet have to say about

The Better Business Bureau (BBB) and Trustpilot tell two different stories of It isn’t accredited with the BBB and has a failing grade because of the unanswered customer complaints and negative reviews.

It does somewhat better on Trustpilot, scoring an 8.3 out of 10 based on eight customer reviews. Around three-fourths of those reviewers also rated its services as excellent. Most customers seemed to be pleased with how quickly they got their funds and the quality of customer service.

Not everything is positive, however. One customer wrote that after they’d been denied for a loan they found through, the lender reached out to them and asked for an upfront fee — which is a huge red flag. Two people filed a complaint about their credit score being affected by the application. In these cases it’s difficult to tell what happened because didn’t respond and the soft credit pull it uses shouldn’t impact your credit score.

Because of this, you should do your own research on customer reviews and contact to see how it handles its customer service. Take every positive and negative review with a grain of salt, and remember that if you don’t feel comfortable with a loan offer, you aren’t obligated to accept.

How much will it cost me?

Rates will vary based on the lender you borrow from. Because of this, you’ll want to carefully go over every offer before accepting one. Remember that you aren’t obligated to accept a loan if it doesn’t fit with your expectations.

After accepting a loan, you’ll be able to make repayments by electronic transfer. Some lenders may have other options, so if you want to pay differently, check with your lender’s terms.

How do I apply?

Before you start your application, first make sure you meet’s eligibility requirements. You might also want to have your personal information and documents on hand before you apply.

Eligibility requirements

To get connected with a lender, you must:

  • Have a 580+ credit score for installment loans or a bank personal loans or a 600+ credit score for peer-to-peer loans
  • Be a US citizen or a permanent resident
  • Be at least 18 years old
  • Have a valid bank account

You also can’t have any accounts that are more than 60 days overdue or any recent bankruptcies, debt that exceeds current income, or charged-off account activities in recent history.

How to get connected to a lender

  1. Click the Go to site button on this page.
  2. Enter your email address and hit Get Started.
  3. Fill out basic personal information and how much you’d like to borrow before hitting Continue to Step 2.
  4. Complete the form with more details on you and your employer. Read the privacy policy, terms and conditions and e-consent form before checking the box and hitting Submit Your Request.
  5. Wait for to process your request. This could take a few minutes and shouldn’t affect your credit score. If you one of its lenders approves you, it’ll redirect you to a loan offer.
  6. Follow the lender’s directions to complete and sign your application.
  7. Wait for your funds to be disbursed.

I got a loan through Now what? won’t be able to help you much any more: You’re now in your lender’s hands. Do some research on your lender to see if they have any perks that you can take advantage of. For example, many offer a discounted interest rate if you sign up for autopay. If you notice any irregularities, reach out to your lender’s customer service as soon as possible.

More about is owned by ArrowEagle LLC, which is also owns loan connection service ArrowEagle is registered as a limited liability company owned and chartered by the Ute Indian Tribe — meaning that it follows Ute tribal laws rather than US laws. It also means it isn’t regulated by the US government. Since it doesn’t provide you with loans, you aren’t necessarily at risk of getting high interest rates that are typical of tribal lenders and this generally shouldn’t affect your experience.

What you need to know about tribal lending

Bottom line is a great place to start when you don’t have time to compare lenders. With high maximum borrowing limits and a commitment to transparency in lending, can help you to cover a number of life’s expenses. However, with mixed customer reviews and a possible high-cost loan, you’ll want to view your other personal loan options to see what else is out there.
Frequently asked questions

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US Personal Loans Offers

Important Information*
Credible Personal Loans

Get personalized rates in minutes and then choose a loan offer from several top online lenders.

Monevo Personal Loans

Quickly compare multiple online lenders with competitive rates depending on your credit score.

LendingClub Personal Loan

A peer-to-peer lender offering fair rates based on your credit score.

SoFi Personal Loan Fixed Rate (with Autopay)

No fees. Multiple member perks such as community events and career coaching.

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