TotalPersonalLoan connection service review 2021 |
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TotalPersonalLoan review

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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.


Max. Loan Amount

5.99% to 35.99%



Min. Credit Score


Product NameTotalPersonalLoan connection service
Min. Loan Amount$500
Max. Loan Amount$35,000
APR5.99% to 35.99%
Interest Rate TypeFixed
Min. Credit ScoreVaries
Late Fee$0
Late FeeNone
Loan Term61 days to 72 months
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Expert review

Kellye Guinan

Review by

Kellye Guinan is a writer and editor with Finder and has years of experience in academic writing and research. Between her passion for books and her love of language, she works on creating stories and volunteering her time on worthy causes. She lives in the woods and likes to find new bug friends in between reading just a little too much nonfiction.

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.

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.

Data updated regularly
Name Product Filter Values APR Min. Credit Score Max. Loan Amount
Best Egg personal loans
5.99% to 29.99%
A prime online lending platform with multiple repayment methods.
SoFi personal loans
5.99% to 18.85%
A highly-rated lender with competitive rates, high loan amounts and no fees.
PenFed Credit Union personal loans
6.49% to 17.99%
With over 80 years of lending experience, this credit union offers personal loans for a variety of expenses.
Credible personal loans
2.49% to 35.99%
Fair to excellent credit
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
Upgrade personal loans
6.94% to 35.97%
Affordable loans with two simple repayment terms and no prepayment penalties.

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.

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