10KLoans Review

By Kevin Mercadante

Company Profile

10KLoans is clearly one of the most recent entrants to the personal loans industry, judging by its low profile so far. However, that doesn't mean that its services should be ignored - indeed, it could just be the perfect way for those in a tight financial situation to find the best solution for them.

That's because the site isn't a lender itself, but instead maintains a network of third party lenders that it uses to 'match' the enquiring borrower with the most appropriate company. All that it takes is the quick completion of the site's brief homepage form, before the applicant can sit back and await offers.

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Service Profile

Given that the site is not a lender itself, it's difficult to be specific about the loans themselves, except to say that you can borrow as little as $100 or as much as $10,000. APRs and other terms and conditions attached to the loan are very much set by the lender, rather than 10KLoans itself.

The application process is free, easy and takes just a few minutes. Approval, too, is fast, but you are under no obligation to accept any particular loan offer.

Loan Features

  • Variable repayment lengths
  • $100 to $10,000 limit
  • APR varies by lender
  • No minimum credit score
  • Process takes minutes
  • Funding usually paid in next business day
  • Free service
  • No obligation


Loan Application Information

Requesting to be matched with the best lender in 10KLoans' extensive network is as simple a task as completing the homepage form with your first name, last name, email address and zip code, before certifying that you are a United States resident over the age of 18 and agreeing to the site's privacy policy and terms of use. You will then be directed to the page where you can choose between lenders and agree to their specific terms and conditions.

Those terms and conditions do, of course, differ from one lender to the next, and 10KLoans has no control over them. However, that are certain stipulations that are typical for this type of loan. In addition to the aforementioned, it's safe to say that you will also need an active and valid checking account, as well as a job or other proven source of income.

Other requirements may apply, which makes it all the more important to read them carefully before agreeing to any loan.

Repayment Terms

Again, a loan's repayment terms are for the direct lender to decide, rather than 10KLoans. It is the responsibility of such a lender to make clear the loan amount, loan fees and repayment process as part of any loan offer, and you should also ask what would happen if you missed a payment or made it late.

Different lenders have different policies in this area, with additional fees, penalties and interest all possible consequences. The failure to fully repay a loan could also result in the referral of your account to collections and an adverse effect on your credit.

Help & Support

The obvious first place to look for help and support in relation to personal loans offered through 10KLoans is the site's informative Frequently Asked Questions section, where you can learn - among other things - what an installment or personal loan and APR actually are. But it is also possible to submit a query to the site team via a simple online contact form, and if you prefer telephone or direct mail contact, these are options as well.


Some people might think that there's little point in using such a newcomer to the industry as 10KLoans for something as important as finding a personal loan, but our experiences suggest that they would be much mistaken.

We were pleased by the breadth and reputability of the lenders that were suggested to us, and the site is quick-loading, informative and easy to use. The level of support is also high. As the site is also completely free to use, it really does represent a 'no lose' solution for those seeking the most competitive personal loans.

Physical Address:


3824 Cedar Springs Rd #801-2439
Dallas, TX 75219

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