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TotalPersonalLoan review

This service provides simple guidance for your next personal loan.

  • Best for quickly finding a lender through a transparent service.
  • Pick something else if you want to avoid high potential rates.
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Min. Loan Amount$500
Max. Loan Amount$35,000
APR5.99% to 35.99%
Interest Rate TypeFixed
Min. Credit ScoreVaries
Origination FeeUp to 0%
Late Fee$0
Loan Term61 days to 72 months
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First, am I eligible?

The lenders in TotalPersonalLoan's network may have more specific requirements, but you'll need to meet the following basic criteria to be connected:

  • Active checking account
  • Regular source of income
  • Not a resident of New York, Oregon, West Virginia or Washington, DC

How much does TotalPersonalLoan cost?

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.

How do I use TotalPersonalLoan?

To be connected to a lender in TotalPersonalLoan's network, follow these four steps:

  1. Click the Check my rate button on this page or go to TotalPersonalLoan's website.
  2. Select the amount you want to borrow, your credit score range and your loan purpose. Then click Start here.
  3. Enter information about yourself, including your date of birth, employment status and Social Security number.
  4. Review TotalPersonalLoan's terms and conditions, then click Submit request.

What information do I need to submit?

TotalPersonalLoan requires you to submit some basic personal information through its online form.

  • Date of birth
  • Gross monthly income
  • Driver's license number
  • Social Security number
  • Bank routing and account numbers

Pros and cons

Although TotalPersonalLoan is a legit connection service, it requires you to provide a little more information than its competitors.

  • Low starting amount of $500
  • Member of the Online Lenders Alliance (OLA)
  • Some lenders report on-time repayments
  • Available in most states
  • Potentially high APR of 35.99%
  • May receive marketing materials after borrowing
  • Must submit banking numbers

See other personal loan options

Select your credit score and state of residence to get matched with even more lenders.

1 – 9 of 9

Name Product Filter Values APR Min. Credit Score Loan Amount
Credible personal loans
3.99% 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.
Upstart personal loans
5.4% to 35.99%
$1,000 to $50,000
This service looks beyond your credit score to get you a competitive-rate personal loan.
Upgrade personal loans
5.94% to 35.97%
$1,000 to $50,000
Affordable loans with two simple repayment terms and no prepayment penalties.
LendingPoint personal loans
7.99% to 35.99%
$2,000 to $36,500
Get a personal loan with reasonable rates even if you have a fair credit score in the 600s.
LightStream personal loans
Good to excellent credit
$5,000 to $100,000
Borrow up to $100,000 with low rates and no fees.
SoFi personal loans
6.99 to 22.23%
$5,000 to $100,000
A highly-rated lender with competitive rates, high loan amounts and no fees.
LendingClub personal loans
6.34% to 35.89%
$1,000 to $40,000
A peer-to-peer lender offering fair rates based on your credit score.
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

How do repayments work with TotalPersonalLoan?

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.

Expert review

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.

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