FinnFox Review: Several Red Flags Make This One to Avoid

Is FinnFox legit?

Probably not. FinnFox doesn’t appear to do much more than sell your information to third parties who may or may not provide you with a loan. Legitimate loan connection services are usually more transparent and offer a range of rates and a list of requirements you’ll need to qualify.

FinnFox also has some conflicting information on its website and awkward wording that raises red flags about its legitimacy.

For those reasons, combined with a lack of customer reviews, we can’t recommend using this website to find a loan. Instead, you may want to consider other top picks for installment loans and connection services. You may even be better off looking into payday loans or other alternatives, such as cash advance apps, for smaller loan amounts.

How FinnFox compares to other lenders

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Product	Finder Score	Loan amount	Turnaround time	Requirements
Promoted Finder score 9.4 Excellent Varo Cash Advance	Finder score 9.4 Excellent	Up to $500	Instant, once qualified	Active Varo Bank Account with a positive balance and at least $800 in total qualifying direct deposits in the current or previous month. Additional quals apply.	Varo Advance (VA) is a small dollar line of credit. Initial limits range from $20-$250. Work your way up to $500 over time. Fees range from $1.60 - $40 based on loan amount.	Go to siteMore info Compare product selection Compare	loading
Promoted Finder score 9.5 Excellent EarnIn	Finder score 9.5 Excellent	Up to $150/day, with a max of $750 between paydays	1 to 2 business days or within 30 minutes for a fee	At least 18 and a US resident, Valid Social Security number, At least 60 days of banking history, Proof of consistent income, Positive bank balance, Get paid by direct deposit.	Access up to $150 per day, with a max of $750 between paydays. Subject to EarnIn terms & conditions.	Go to siteMore info Compare product selection Compare	loading
Promoted Finder score 9.1 Excellent CreditNinja Installment loan	Finder score 9.1 Excellent	$300 to $2,500	1 to 2 business days	Checking account at least 60 days old, regular income through direct deposit, resident of eligible state, age of majority in your state	Fast online funding up to $5K, but you won't know about rates and terms until after you apply.	Go to siteMore info Compare product selection Compare	loading
Finder score 8.7 Great Current	Finder score 8.7 Great	$50 to $750	Up to 3 days or within an hour for a fee	Among other factors, you must receive a monthly total of $500 or more in Eligible Payroll Deposits into your Current Account.	Get up to $750 before payday, once you qualify. Paycheck Advance is an earned wage access service and is not a loan or credit product. Subject to Paycheck Advance Terms and Conditions.	Go to siteMore info Compare product selection Compare	loading
Finder score 9.4 Excellent OppLoans Installment Loans	Finder score 9.4 Excellent	$500 to $5,000	As soon as the same business day	+18 years old, Receive paychecks through direct deposit, $1,500 minimum monthly income, Live in eligible state	Not available in: CO, CT, GA, IA, MD, MA, NY, SD, VT, WV. Comes with the option to change your due date so you won’t fall behind on repayments.	Go to siteMore info Compare product selection Compare	loading
Finder score 8.2 Great Cleo	Finder score 8.2 Great	Up to $250	3 to 4 days or instant for a fee.	Not stated	Automatically monitor your spending plus access cash advances up to $100 at a time.	Go to siteMore info Compare product selection Compare	loading
Finder score 9.4 Excellent Chime MyPay	Finder score 9.4 Excellent	Up to $500	Within 24 hours or $2 for instant transfers	Chime checking account, direct deposits of $200+ and only available in some states	Access up to $500 of your pay before payday fee-free within 24 hours. See Chime terms and conditions.	Go to siteMore info Compare product selection Compare	loading

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How we picked these

What is the Finder Score?

The Finder Score crunches 3+ types of short-term loans across 65+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best short-term loans for all credit types, you can see how each short-term loan stacks up against other short-term loans with the same borrower type, rate type and repayment type.

Read the full Finder Score breakdown

Where FinnFox falls short

The most glaring issue with FinnFox is its lack of transparency. It has big, bold promises on its main website pages, but a little digging shows that it’s not being open about the true lending process. That, plus no legit reviews, should be enough to consider other loan options.

What makes FinnFox shine?

Really, the only positive thing about FinnFox is that it may end up steering you to a legitimate lender. However, by submitting a loan request — as stated in its terms and conditions — you are agreeing to have your credit checked by multiple lenders. Some only run a soft credit check, but others may conduct a hard inquiry, which can temporarily lower your credit even if you don’t get a loan.

To minimize the damage to your credit, applying to a direct lender only results in one credit inquiry. If your score is 600 or less, look into loans for people with bad credit that come from direct lenders.

FinnFox loan details

FinnFox contact info

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How to qualify for FinnFox

FinnFox doesn’t list the qualifications you need to apply, but similar sites usually expect the following:

• At least 18 and a US resident
• A valid Social Security number
• A job or other source of income
• An active bank account

FinnFox reviews and complaints

FinnFox doesn’t have a page on the BBB or Trustpilot, which is odd for a company in this space. There were only a few third-party reviews on the internet, and none from known sources, with a couple saying it’s a legit way to get a loan and others suggesting there were too many red flags to recommend it.