— personal loan review November 2017

If you need a personal loan fast, will do the leg work for you and match you with a lender.

If you have less than perfect credit and find yourself in a financial emergency, you might be looking for an alternative to traditional bank loans. There are short term loans out there for you. The most important thing to keep in mind is that a short term loan is a temporary fix, not a long-term solution. A good place to begin your search is with a lender-matching service. is not a direct lender, but instead works by matching your personal loan application with the most suitable lender from its extensive network of providers. You can apply to borrow up to $10,000, and applying for a loan with is quick and easy, with a fast turnaround time on receiving your funds.

Product Personal Loan
Min Loan Amount$500
Max. Loan Amount$10,000
Min APR From
Minimum Loan Term0.25 year
Maximum Loan Term5 years
Requirements18+, have an open bank account, be employed or have regular income


  • Quick and simple process.
  • Borrow up to $$10,000.
  • No collateral required for approval.


  • Provider is a lending broker.
  • Can be expensive to borrow small amounts of money.
  • Fees depending on the lender you ultimately apply with.

How does work?

Follow a simple online application process to apply for a personal loan through Once you submit your application, and if you qualify, matches your application with a suitable lender. Bear in mind that this does not mean you’ll automatically be approved for a loan. After matches your application with a lender you can expect a lender to contact you. At this point, the lender provides you with a loan contract that details the loan’s terms and also lists out all applicable fees and charges. Be sure to review this contract carefully before accepting. Upon acceptance of the contract the lender will disburse the funds, and you can expect the money in your bank account by the next business day. You’ll have to start making repayments as per the repayment plan until you repay the loan completely.

How does compare?

Rates last updated November 22nd, 2017
Name Product Max. Loan Amount Term of Loan Turnaround Time Costs
Laurel Road Personal Loans
3, 4 or 5 years
Even Financial Personal Loans
2 - 7 years
Prosper Personal Loan
3 or 5 years
1-3 business days
SoFi Personal Loan Fixed Rate (with Autopay)
3, 5, or 7 years
LendingPoint Personal Loans
24 or 48 months
Next business day after approval and document verification
LendingClub Personal Loan
3 to 5 years
Up to 7 days
Depends on your credit score.

Compare up to 4 providers

Features of a personal loan from

These personal loans come with a number of features, and here’s what you should know before you submit your application:

  • Quick and simple process. It should take you around five to 10 minutes to complete the application, and you’ll find out if you qualify soon after you submit your application. Once you’re approved, you’ll be given an opportunity to go through the loan contract. Once you accept it, you’ll can get access to your money the following business day.
  • Borrow as much as you require. A number of short-term loans don’t allow you to borrow more than $1,000. With you can borrow as much as $10,000. The maximum amount you can borrow will depend on the state you live in, your creditworthiness, and the potential lender.
  • Repayment period options. Unlike most personal loans, which require full repayment on your next payday, can match you with a lender with longer repayment terms.
  • Repayment flexibility. Depending on how often you can make payments, you can choose to make repayments toward your personal loan once or twice each month. If you end up paying the loan before schedule, you don’t have to worry about paying any kind of prepayment penalties.

Explore loans through

Rates last updated November 22nd, 2017
Name Product Max. Loan Amount Term of Loan Turnaround Time Costs Payday Loan
As soon as the following business day
Rates and fees are determined by the lender who approves you. Personal Loan
2-60 months
As soon as tomorrow
APR ranges from 25-45% based on your credit score. Installment Loans
As soon as the following business day
APR ranges from 25-450% based on your credit score.

Compare up to 4 providers

Fees and charges

Until you accept the loan contract, you have no obligations to pay any fees. The loan contract you receive from the chosen lender gives you a clear indication of all the costs you might incur as the loan progresses, and it is in your best interest to review these before accepting the contract. You will have to pay finance charges, and in case of late and deferred payments, you might have to pay late charges.

How to apply for a personal loan from

Eligibility criteria:

  • Age 18 years or older
  • Permanent U.S. resident or a U.S. citizen
  • Steady source of income and be actively employed
  • Checking or savings account that allows direct deposits

Required documents & information:

  • Your complete name, date of birth, driver’s lisence number, and Social Security number
  • Your home address, phone number and email address
  • Your employer’s name and phone number
  • Details about your income
  • Bank account details
Back to top

Are payday loans available in my state?

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and our Privacy Policy.