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TakeLend personal loans connection service review

All credit types welcome at this small-dollar loan connection service with 100+ partners.

  • Best for borrowers with less-than-perfect credit who've struggled to qualify for financing in the past.
  • Pick something else if you need to borrow more than $15,000.


Min. Loan Amount$1,000
Max. Loan Amount$15,000
APRUp to 35.99%
Interest Rate TypeFixed
Min. Credit ScoreAll credit types welcome
Loan TermVaries by lender

MUST READ: TakeLend is no longer in business

As of December 2019, it appears that TakeLend personal loans connection service is no longer in business — its website is offline, though we weren’t able to find any more information at this time.

You can compare your other options with our guide to personal loan connection services.

First, am I eligible?

TakeLend welcomes all types of credit. To be eligible, you’ll need to meet a handful of requirements:

  • Age 18 or older
  • US citizen or permanent US resident
  • Employed
  • Active checking account that allows electronic deposits
  • Not an active member of the military
  • Not residing in AK, CO, NY, VT or WV

The best loans tend to go to people who:

  • Make at least $2,000 a month at a job they’ve had for a while and have good payment history on previous credit accounts.

Ineligible states

Most US citizens are eligible to submit their information for a loan. But if you live in the following states, you’ll need to look elsewhere:

  • New York
  • West Virginia
  • Arkansas
  • Vermont
  • Connecticut


  • Large network of 100+ lenders
  • All credit types welcome
  • Compare offers from multiple lenders by filling out just one online form


  • Hard to get an idea of APR before submitting your info
  • Barebones website with outdated information
  • Almost no online presence
  • No customer service phone number
  • May have to field phone calls and emails from its partner lenders

Compare more personal loan connection services

Name Product Filter Values APR Min. Credit Score Loan Amount
Credible personal loans
2.49% to 35.99%
Fair to excellent credit
$600 to $100,000
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
Best Egg personal loans
5.99% to 35.99%
$2,000 to $50,000
A prime online lending platform with multiple repayment methods.
PenFed Credit Union personal loans
4.99% to 17.99%
$600 to $25,000
With over 80 years of lending experience, this credit union offers personal loans for a variety of expenses.
SoFi personal loans
5.74 to 20.28%
$5,000 to $100,000
A highly-rated lender with competitive rates, high loan amounts and no fees.
Monevo personal loans
1.99% to 35.99%
$500 to $100,000
Quickly compare multiple online lenders with competitive rates depending on your credit.

Compare up to 4 providers

TakeLend reviews and complaints

Almost nothing — which is concerning for a service with so many providers. It has no Better Business Bureau page and nothing on Trustpilot, Reddit or any other forum that we could find.

We did find a review of the site’s safety on The site was given a 93% safety rating — high enough for it to be relatively trustworthy. However, it warned that it appears the website was created in the Cayman Islands — notorious for its lax finance laws.

How do I submit my information?

  1. Once you’ve established that you’re eligible, you’re ready to start.
  2. Click Go to site on this page (the link doesn’t work if you live in an ineligible state).
  3. Fill in your contact information and loan amount, and read the privacy policy, terms of use and e-consent documents before checking the box to consent. Click Get Cash Now.
  4. Follow the steps to enter your personal, employment and bank account information before submitting your application.
  5. Wait for lenders from TakeLend’s network to make an offer.
  6. If you get an offer you like, follow the lender’s directions to apply. It can take around 30 minutes to get approved.
  7. Wait for your funds. Once approved, you could have funds transferred to your personal checking account as soon as the next business day.

How do repayments work with TakeLend?

You won’t make repayments to TakeLend, but the lender you’re connected with — TakeLend is now completely out of the picture. You might want to set up autopay if it’s an option so that you don’t have to worry about making manual repayments each month.

Know how to find your lender’s customer service quickly if you need to reach out with any questions or have trouble making repayments. If your loan doesn’t come with prepayment penalties, consider repaying your loan early to save on interest.

See how TakeLend stacks up to the competition with our guide to personal loan connection services.

Frequently asked questions

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

TakeLend could be a great resource if you’re looking for a small loan fast and have had trouble finding a lender you qualify with. You can compare offers from multiple lenders by filling out just one online form on TakeLend’s website.

Its network of over 100 personal loan providers work with borrowers of all credit types. It partners with the usual online lenders as well as local financial institutions that typically offer lower-interest financing.

But it’s not a great resource if you’re looking to fund a big project that costs over $15,000. And its lack of an online presence and customer service phone number raise some red flags for us.

Not sure about TakeLend? Compare other personal loan connection services below.

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    Default Gravatar
    May 24, 2018

    TakeLend in their process of applying is asking for my bank account and routing number. I’m not comfortable with this. Is it safe?

      Avatarfinder Customer Care
      May 24, 2018

      Hi Laura,

      Thanks for your question! It’s not uncommon for online lenders to ask for your bank account and routing number since they need that to send your funds with a bank-to-bank transfer. If you’re not comfortable providing this to a connection service, you might want to apply through a direct lender (you can find some on our personal loans guide).

      Hope this helps!


    Default Gravatar
    April 25, 2018

    Looking to try to get a loan what are the requirements I don’t receive direct deposit from my job

      Avatarfinder Customer Care
      April 26, 2018

      Hi Ashly,

      Thank you for getting in touch with Finder.

      Whether you’re ready to submit your personal loan application or you’re still in the researching stage, it helps to know what you need to apply. Below are the list of documents you need to prepare. The documents needed to verify your identity. Lenders usually require at least two forms of identification. These can be any of the following:

      -Driver’s license
      -State ID

      You may also need supplementary documentation in the form of:

      Your birth certificate
      -Certificate of Citizenship
      -Utility bills
      -Military ID

      Lenders will also require information regarding your assets, debts and liabilities. Here are some of the other details to have on hand:

      -Current credit card and loan statements
      -Any documents that can prove additional sources of income
      -An estimation of your current expenses
      -A current rent or mortgage statement

      If you want to read more about what documents you need to prepare, please check our guide on personal loan documents.

      I hope this helps.

      Have a great day!


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