Honest Loans Review: Compare Multiple Fast Funding Options (2026)
- Min. Amount
- $200
- Max. Amount
- $50,000
- Turnaround time
- As soon as the next business day
Our verdict
Compare multiple loan options with one application, but there’s no guarantee you’ll get a loan offer and some options may be expensive.
Honest Loans is a lead generation service and may allow you to compare multiple personal loans, payday loans or installment loans with a single, fast application process. Loan amounts range from $200 to $50,000, and there’s no minimum credit score to apply, making it an option for borrowers with a range of credit scores. And it’s transparent about what it does — and doesn’t — do. But it’s not a direct lender, and it’s possible you may not receive any loan offers at all. Plus, you could end up with a large quantity of marketing calls, texts and emails.
Best for: Borrowers who want to compare multiple loan offers in one place.
Pros
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Fast and easy application process
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Funding possible within one business day
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Wide range of loan amounts
Cons
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Not a direct lender
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No guarantee of loan offers
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Could result in excessive spam
Is Honest Loans legit?
Honest Loans, which is operated by onlineloannetwork.com, a nearly identical website, appears to be a legitimate lead generation service. That means it doesn’t offer loans directly, but it has a large network of lenders and other marketing partners that it may connect you with.
Honest Loans cares about the security of your information. It uses bank-level 256-bit SSL encryption when transferring data from your device to its servers and from its servers to the lenders and other financial partners it works with. You can review its privacy policy on the website to learn how it shares and sells your information.
What makes Honest Loans shine?
- Transparency. Unlike some connection services, Honest Loans doesn’t attempt to market itself as a direct lender. It’s clear about what it does and doesn’t do, and is up front about being both a lead generator and a lead aggregator.
- Easy application process. You can apply online and receive loan offers within minutes.
- Accepts poor credit. There’s no minimum credit score required to apply, and it offers a variety of lenders and loan types, making it an option for all sorts of borrowers.
- Wide range of loan amounts. Its network of lenders offers loans from $200 to $50,000.
- Fast funding. If approved for a loan, you could have the proceeds deposited in your account as soon as the next business day.
Where Honest Loans falls short
- Not a direct lender. Despite its transparency, you may be better off applying with a direct lender. Most will let you prequalify so you can still compare multiple offers.
- No guarantee of loan offers. It’s possible you might not even receive any loan offers. Instead, you may be solicited for credit repair services, debt settlement or other services you don’t want or need.
- Some loan options may be pricey. You could be connected with payday or installment loans, which often have APRs up to 300% or more. However, if you have a good credit score, you could get hooked up with a personal loan, where rates range from 5.99% to 35.99%.
- Excessive solicitation. The company shares and sells your information. Even if you get approved for a loan, you could still be inundated with marketing calls, texts and emails.
Honest Loans loan details
| Minimum credit score/credit range | No minimum |
| APR | Varies by lender |
| Loan amount | $200 to $50,000 |
| Terms | Varies by lender |
| Approval turnaround | As soon as the next business day |
| Availability | May not be available in all states, but definitely not available in New York |
| Fees | Varies by lender but may include:
|
Honest Loans contact info
| Phone number | 888-718-9134 |
| Customer service hours | Not listed |
| Not listed | |
| X ,formerly Twitter | N/A |
| Honest Loans |
Calculate your monthly loan payment
Use our loan repayment calculator to compare monthly loan payments and the total cost of the loan based on different rates and loan terms
Monthly Repayment Calculator
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Fill out the form and click on “Calculate” to see your estimated monthly payment.
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| Interest | $ |
| Total Cost | $ |
How to qualify for Honest Loans
To qualify for Honest Loans’ connection service, you’ll need to meet the following minimum criteria.
- Be at least 18 and a US resident
- Have a job or another regular source of income
- Earn at least $800 a month
- Not be a resident of New York
How to apply
Applying is easy, and you could get loan offers in just a few minutes. Here’s how it works:
- Fill out its online loan application.
- Get loan offers in minutes.
- Review offers and formally apply.
- Receive loan funds as quickly as one business day if approved.
There is no guarantee that you’ll receive a loan after applying. You may be directed to another lead generation service or be offered other services, such as credit repair or debt settlement, instead.
How Honest Loans compares to other lenders
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How we picked theseWhat 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.
Honest Loans reviews and complaints
Honest Loans doesn’t have any online customer reviews from trusted sites such as the Better Business Bureau (BBB) or Trustpilot. This lack of reviews could be because it’s a loan connection service, not a direct lender, but it makes it difficult to know what kind of experience to expect with this company.
What do people on Reddit say?
Frequently asked questions
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Lacey Finder
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