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Personal loans are a great tool to use if you need a lot of money in a pinch, want to consolidate debt, or are interested in funding a personal project. With so many loan providers to choose from, many people are unsure where to begin their search. is a great resource for people that are looking for a personal loan. If you need to borrow anything up to $35,000, can help you compare lenders and secure a loan in mere minutes.


The most important thing to understand about is that they themselves do not write or issue any loans. They are simply a loan aggregator service.

Essentially, connects you to multiple lenders at once by having you complete a single form online. The lenders will review your information and decide if they want to finance your loan.

If you are approved, you will be presented with loan offers from various personal loan lenders. You can then choose an offer with which you would like to move forward. works with some of the nation’s top lenders, and loans can be approved in a matter of minutes. In order to finalize your loan, you will need to complete a formal application through the lender. Depending on which lender you work with, you could have your funds in as little as one business day. Features has several features that set it apart from other online loan marketplaces. Here are some features that you can expect when you use

Obligation-Free Quotes

When you get a quote from one of’s lending partners, you have no obligation to close a loan with any of them. Most lenders will require that you input your banking information before getting a quote so that you must go with one of their options. allows you to look at quotes from their partners without giving all your information away.

Offers From Actual Lenders

Instead of going to each lender individually, uses a single application to present you with real offers from multiple lenders. uses a proprietary algorithm to run your information past all their lending partners for pre-approved rates. They then connect you with the best lenders for your loan request so that you can compare options.

Multiple Types of Loans has several types of loans available through their site. Here are the different types of personal loans that are available through

  • P2P loans: a peer-to-peer or P2P lender is an average joe that is looking to invest in a loan. They would make money on your interest payments, and you can get a loan that might not be approved with a traditional lender. It’s a win-win for everyone.
  • Installment loan: an installment loan is a loan that comes in one fixed amount that you repay plus interest and fees. Typically, these are short-term loans and can attract borrowers with poor credit. Be sure to read the terms of the loan thoroughly before you sign on the dotted line.
  • Bank personal loan: You will need a minimum income of $3,000 per month and a credit score of at least 580 in order to qualify for a bank loan through

Interest Rates

Because is not a direct lender, they do not determine the rates, loan amounts, terms, or fees applied to your loan. In fact, it is completely free to use

The lender you close the loan with will be in charge of all these deciding factors. However, sets a few parameters regarding what you can apply for through their site. offers loan amounts from $500 to $35,000, with interest rates ranging from 5.99% to 35.99%. You will receive a better interest rate the higher your credit score is. Loan terms can be anywhere from three months to six years, which can also influence your interest rate and monthly payments.

Turnaround times for loan approval and fund distribution will vary by lender, but you can expect to receive your funds anywhere from one to five business days.

Eligibility Requirements

Before you are able to apply for a loan through, you must meet their minimum eligibility requirements. To get started, you must:

  • Have a minimum credit score of 580
  • Have a valid bank account
  • Have a regular source of income
  • Have no accounts that are overdue by 60 days or more
  • Have no current or recent bankruptcies

How To Apply

Getting started with is relatively straightforward and should only take a few minutes. To begin your application, enter your email on their homepage and click “Get Started.” will then ask you to fill out basic information, such as your name, phone number, zip code, birthdate, and military service status. You will also be asked to select how much you would like to borrow.

Next, they will ask for more information regarding your credit, the purpose for your loan, driver’s license or Social Security number, and what type of bank account you will be using for your loan.

You will also need to review their privacy policy, terms and conditions, and e-consent before submitting your loan request.

Finally, will process your loan request and come back with any pre-approved rates. If you decide to move forward with an offer, the lender will walk you through the next steps. After your loan is finalized, the funds should be disbursed to your account.

Security is a member of the Online Lenders Alliance (OLA), which is an organization that upholds industry standards for online loan companies. As an OLA member, they adhere to all federal laws and regulations to protect their users from fraud and other online threats. They also avoid any false or misleading advertising as well as responsibly managing third party affiliations.

In addition to precautions that come with their OLA membership, has industry-standard SSL encryption to protect personal information. This can help prevent your information from being accessed in transit.

The unfortunate fact of connection services is that they frequently sell your information as a lead to other lending services. This is fairly common, but it can also lead to spam calls and emails trying to win your business even after you have closed on a loan. If you would like to avoid this, your best bet is to apply directly with the lender.

Customer Support’s purpose is to connect you with a personal loan provider. Once the lender funds your loan,’s role in the process is complete. If you have questions after you close your loan offer, these questions should be directed to the lender itself.

However, if you are having trouble with their site or have questions about your loan offers, has a customer service team to assist.

You can contact the team between the hours of 6 a.m. and 7 p.m. Monday through Friday by phone or email. Customers report their team being very helpful and polite when answering questions.

You can also find additional information to guide you through the site on’s website and social media pages. uses a Facebook and Twitter account to field inquiries and interact with customers.

Pros and Cons

Just like any online marketplace, has its advantages and disadvantages. If you are looking to weight the pros and cons before beginning your application, here are some points to consider.


  • Multiple types of loans: When you apply for a loan through, you have the choice between a peer-to-peer loan, installment loan, or a personal bank loan. With more loan types to choose from, you increase your chances of getting approved by a lender.
  • Get approved by multiple lenders: uses one application to send your information to multiple lenders at once. This can save you the time of researching each lender, filling out an application, and waiting for approval. This also allows you to easily compare your options before you make a decision.
  • Easy to use: uses a straightforward system that even a first-time borrower can understand. In minutes, you can fill out your application and get pre-approval rates to compare.


  • Not available in every state: Unfortunately, does not offer loans in Arkansas, Georgia, or New York. If you live in these states, you will need to look for a loan through another online marketplace.
  • Possibly twice-per-month payments: Some of’s lending partners use a bi-monthly payment schedule. Be sure to check the pay schedule for each loan. This could change your loan budget entirely.
  • Doesn’t represent every lender: Even the most popular online marketplace won’t represent every possible lender. Be sure to check with your local credit unions as well as national brands to make sure all your bases are covered.

Alternatives to

The personal loan space can be a bit crowded, so it’s always good to have a service like to connect you with the best lender. is not the only online marketplace though, and there may be a site out there that is better suited for your needs.

If you are interested in alternatives to, here are a few options. is a great resource for people with bad credit that are trying to shop for a loan. They offer loans with rates from 5.99% to 35.99% and a borrowing limit of $5,000.

Just like, uses a single application to run your information past their lending partners. They will then present you with your options, and you can decide if you would like to move forward.

If you are considering taking a payday loan, can give you some better options.

Next Steps: is a loan aggregator that is largely similar to They offer a few different lending partners, which can widen your search even more.

Borrowers can apply for loans ranging from $500 to $10,000, with rates ranging from 5.99% to 35.99%. Loans can be paid out over terms ranging from 90 days to 72 months. also has a vast educational page that can help you learn more about personal loans, credit, and personal finances. This shows that they are not only interested in winning your business, but they want you to understand how your finances work as well.

Next Steps:

Is For You? is a great tool to use if you want to shop offers from multiple lenders at once. With their high borrowing limits and transparent process, they rival other platforms when it comes to usability by first-time loan borrowers.

Always make sure you read the terms and conditions before you close on a loan. Each lender comes with a different set of rules, so it’s important to understand their terms before you close the deal.

While does much of the hard work for you, they do not represent every lender out there. Do your homework before you close a loan to ensure you are getting the best rate that you can.

Overall Rating


Bottom Line is a great tool to use if you want to shop offers from multiple lenders at once. With their high borrowing limits and transparent process, they rival other platforms when it comes to usability by first-time loan borrowers.


  • Numerous Types of Loans
  • Approvals for Multiple Lenders
  • Easy To Use Platform


  • Not Available in all 50 States
  • Does Not Represent All Lenders

Types of Loans


Multiple Lender Quotes


Ease of Use




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