In-Depth Analysis Review

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Written By
Julija A.
February 02, 2022
Some or all of the products/services listed on this page are from our affiliate partners from which we receive commissions. This, however, does not influence the evaluations in our reviews. Learn more by reading our Advertiser Disclosure.

You know you’ve found the right online loan marketplace when the site conveniently bears the name of the very service you seek. So if you are among the growing number of Americans who need an easy and convenient way to secure a quick loan, check out Reviews from satisfied users praise the site’s network of reputable lenders that are willing to lend money to applicants despite their poor credit histories.

Loan amounts
$500 to $35,000

APR range 5.99% to 35.99%

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Fortunly Rating

Fortunly's Rating: Our editorial team determines the rating based on a set of evaluation criteria developed for each product and service category.

$500 to $35,000
5.99% to 35.99%
19 years
3 to 72 months
1 business day
Not rated
All 50 states
pros thumb up Strengths
  • Speedy loan decision
  • No minimum credit score required
  • Ideal for short-term loans
  • Free to use
  • Quick loan request process
  • Comprehensive knowledge base
  • Flexible loans
pros thumb up Weaknesses
  • Asks for a lot of personal information
  • Makes only small loans Overview was founded in 2001. It is one of the oldest online marketplaces dedicated to providing personal loans. The platform isn’t a direct lender but acts as a middleman between the borrower and lending companies that offer a variety of different loan amounts, terms, and rates.

Loan amounts at the platform are especially diverse. You can borrow as little as $500 with a repayment deadline of just 90 days. This is the smallest loan amount and the fastest payment plan that we have come across. It’s also one of the things that sets apart from the competition.

The site is free to use, so there’s nothing keeping you from checking out whether you’re eligible for a quick loan. And it isn’t all about short-term loans either. According to numerous loan reviews, the offers are flexible and range from very short-term to six-year plans with some of the best repayment terms on the market.

Moreover, the offers are suitable for applicants with poor credit ratings and those looking for a personal loan for debt consolidation. You can even secure capital to start a business, which is highly commendable, since most business lenders don’t offer loans to companies that aren’t already up and running.

The quality of the services places the site firmly in the upper echelon of lender networks. The site functions well, and the application process is quick and simple. The site is also accommodating to newcomers, offering all the necessary guidance. Like other platforms, will send you loan offers periodically after you sign up, so don’t be discouraged if you don’t get a suitable offer right away.

How does compare to other lenders? Logo
APR Range

5.99% to 35.99%

Min. Credit Score


Fiona Logo
APR Range

4.99% to 35.99%

Min. Credit Score


AmOne Logo
APR Range

3.99% to 35.99%

Min. Credit Score


Types of Financing Available

It goes without saying that at, personal loans are the platform’s specialty. You can apply for loans between $500 and $35,000, which are ordinarily approved within 24 hours. Non-business loans have better terms and conditions, including fewer restrictions on how you can spend the money. But most applicants take out loans for a handful of specific reasons that are listed below along with a general set of requirements that reviews when you sign up for the service.

  • Applicants must be 18 or older.
  • Applicants must be US citizens or permanent residents.
  • Applicants must have an active bank account.
  • Applicants must have an appropriate income for the repayment plan.

Personal loans for bad credit

Building up a credit score is no easy task. Fixing bad credit is hard. But a growing number of lenders are providing loans to poor-credit applicants and helping people get back on their feet. Bear in mind that you won’t be getting the best online personal loans with a bad credit score. Your APR is likely to be much higher than the average.

Fast cash

Many people with emergency expenses turn to online loans because the process is faster and involves less paperwork than when dealing with a bank or savings & loan. If you are eligible for a loan, the money is deposited into your account within 24 hours.

Debt consolidation

Nobody likes debt, but sometimes it’s unavoidable. loans can help you with consolidating your debt or with credit card refinancing so you can finally get out of the red. You won’t be free of debt overnight, but securing better repayment terms can be a lifesaver.

Application Process

Once you’ve decided to enlist the help of, simply click on the Get Started button or choose the loan amount from the homepage and enter your email address. When applying for a loan at you’ll be required to provide your address, contact information, monthly income, and a few other personal details. All of this will help the site match your profile with suitable lenders.

Those who prefer traditional forms of communication may be disappointed to learn that the company cannot be reached by telephone. The only way to apply for a loan is through an online form.

This site requires slightly more personal information than some others. Multiple reviews of point out that certain parts of the application process, specifically those involving data about your employer, are unusual for an online personal loan platform. This can be a deal breaker for some applicants, especially since this isn’t the only site where you can get a next-day personal loan.

Once you’ve signed up, the site will automatically send you loan offers until you find the one that best suits your needs. This means you don’t have to settle for the first batch of offers, as you are guaranteed access to some of the best personal loans on the market. Some lenders might contact you directly, which can help you secure more favorable repayment terms.

What Do I Need to Apply?

Although the signup process is quick and straightforward, the site will ask you to divulge a bit more data about your employment than other sites do. For example, in addition to your Social Security number, this personal loan marketplace also asks to verify your military service status. Here’s a list of all the information you’ll need to provide:

  • Loan purpose and amount
  • Estimated credit score
  • Name and date of birth
  • Military service status
  • Email
  • Phone number
  • Home address & how long you have resided there
  • Whether you rent or own your home
  • Employment information
  • Gross monthly income
  • Drivers license or state ID
  • Social Security number

You might also be asked to upload some documents like a scanned copy of your ID and a confirmation of your last tax return. This allows the lender to confirm your identity and get a clearer picture of your financial situation. reviews each application quickly; it usually takes just a couple of minutes before loan offers appear on your page.

The exact terms of the loan and whether you’ll require any additional paperwork depend entirely on the lender you choose. Your credit score will not be affected until you pick a lender and settle on an actual loan offer. Financing Features

The site is best known for accommodating newcomers and walking them through everything there is to know about applying for a loan and the repayment process. There is a comprehensive knowledge base that users can learn from as they browse through the site’s different features. If you don’t know what APR means or the implications of late payments, you can learn everything you need to know through clear and concise articles.

While there isn’t a calculator on the site, you can still get a rough idea of your loan rates and how much you will ultimately end up paying. Located near the bottom of the homepage is a small chart of APR ranges with a breakdown of monthly payments and totals for different loan amounts. Meanwhile, you can see how your credit score affects personal loan rates by browsing through the bad credit page. Of course, these are just examples based on previous loans provided through the service. The exact rates are displayed after the site connects you to a lender.

The site protects all of your personal details by employing SSL encryption technology. While reviews your application and all of the data you provided, it shares only your contact details with its network of lenders so they can get in touch with you directly. If you want the data expunged, you can contact customer support anytime Monday through Saturday.

All of this won’t cost you a dime. The platform is free to use, allowing you to apply for a loan, browse offers, and learn more about the lending business. The site doesn’t actually charge you anything even if you take a loan through its service. Instead, it gets a small payment from the lender.

PersonalLoans reviews correctly note that you won’t be able to avoid the origination fees and late payment fees on any of the loans taken through this site. Certain lenders have additional fees depending on the purpose of the loan and their specific terms, so be sure to read carefully through the contract.

Loan Amount and APR Details

The offers at are pretty ordinary compared to loans at other online marketplaces. Here’s a quick look at what APR ranges and terms you can expect when taking a personal loan:

  • Loan amount: $500 to $35,000
  • APR: 5.99% to 35.99%
  • Origination fee: Depends on lender
  • Other fees: Depends on lender
  • Loan term: 90 days to 72 months
  • Repayment options: monthly or every other week

There are two pieces of information that stand out on that list. The first is the slightly higher minimum APR – many other sites cite a low end of 3.99%. The second is the low loan amounts. It’s highly commendable that the company offers loans under $1,000. But when compared to some of the best personal loan lending marketplaces, $35,000 is a low figure. This is especially true for those planning to buy a house or start a business.

The site clearly explains how your financial situation affects the offers you get from the lending network. When you select an offer, you can discuss the details with the lender, including the repayment terms and the date of your first payment.

According to many satisfied customers, lending is a quick process where you can expect the money in your account within one business day.

Repayment Terms

The platform has a broad range of payment options, including one that allows you to pay off your loan in less than a year. That’s a lot shorter than many of the other marketplaces, not to mention banks. Of course, you still have the option of longer-term loans if you’d prefer. The shortest term is just 90 days, while the longest is 72 months.

Even if you get the very best personal loan, lenders may require frequent payments. The site states that the shortest gap between payments is two weeks, while the most common one is one payment per month. You might score discounts for early repayment with some of the lending institutions, so make sure to keep your eyes open for these offers.

The Bottom Line

With nearly two decades of experience, is ahead of the pack with an automated and streamlined application process, a reputable network of lenders, and a user-friendly web design. In our review, we’ve outlined many of the reasons why this is truly a great place for quick loans. FAQ

Is safe?

+ has been operational for nearly two decades, helping thousands of customers secure loans. It’s a legitimate lending platform with reputable partners and it guarantees professional, safe transactions.

Can I get a personal loan with a 500 credit score?


At, your credit score isn’t the only factor being considered. While having a 600+ credit score improves your chances of getting a loan with better terms, the site also takes the applicant’s income into account. Moreover, it has a section dedicated to bad-credit lending.

How can I contact’s customer service?


For any inquiry, you can contact via email ([email protected]) or by phone (800-772-2274) from Monday to Saturday between 6 a.m. and 7 p.m. Pacific time. There is also a FAQ on the site as well as a comprehensive knowledge base with guides and descriptions of terminology.

Is a direct lender?


No. It is not a direct lender but a marketplace through which you can find loan offers from lending companies. reviews your application and matches your data with appropriate lenders.