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Min. Loan Amount | $500 |
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Max. Loan Amount | $35,000 |
APR | 5.99% to 35.99% |
Interest Rate Type | Fixed |
Min. Credit Score | Varies |
Origination Fee | Up to 0% |
Late Fee | $0 |
Loan Term | 61 days to 72 months |
The lenders in TotalPersonalLoan's network may have more specific requirements, but you'll need to meet the following basic criteria to be connected:
TotalPersonalLoan is free to use, and you won't pay any fees to be connected with a lender. However, your lender will charge interest and fees when you borrow. Expect an APR between 5.99% to 35.99% — with terms between 61 days to 72 months. The cost of your loan will depend on your credit, income and other factors set by the lender TotalPersonalLoan connects you with.
To be connected to a lender in TotalPersonalLoan's network, follow these four steps:
TotalPersonalLoan requires you to submit some basic personal information through its online form.
Although TotalPersonalLoan is a legit connection service, it requires you to provide a little more information than its competitors.
Select your credit score and state of residence to get matched with even more lenders.
TotalPersonalLoan isn't the lender, so you won't make repayments to it. Instead, check your loan agreement for details on your repayment schedule and any fees — like late or nonsufficient funds (NSF) fees — you might have to pay.
If you have any questions or won't be able to make your payment, reach out to your lender directly.
Not sure you want to use a connection service? Read our guide to learn more about personal loans.
Review by
Kellye Guinan was a financer writer for Finder, covering everything from loans from auto to personal to business finance.
TotalPersonalLoan is a transparent connection service that’s up front about the potential loan amount, APR and term you might receive from one of the lenders in its network. It’s a member of the Online Lenders Alliance (OLA), and its lenders offer APRs as low as 5.99%.
But like all connection services, you aren’t guaranteed to qualify for that low rate. Although borrowers with bad credit may be connected with a lender, you may receive an APR as high as 35.99% — or be limited to how much you can borrow.