BetterLoanChoice Review

By Kevin Mercadante

Company profile: is a company that finds traditional peer to peer loans for individuals seeking cash. If your credit is slightly damaged, you may need to be referred to a different type of loan, like a payday cash advance or short term loan.

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With over 12 years of providing this service, is headquartered in Lewes, DE. Using this site and service is free for borrowers. The focus of is to help people obtain cash for when they need it while also having a positive influence on their credit rating.

Service profile:

Borrowers may receive funding for any number of reasons like an unexpected home repair, car repair or medical emergency. Many times happy occasions can have huge expenses as well. Borrow for a wedding or vacation – any reason you like. Borrowed amounts from $1,000 to $25,000 are available.

Depending upon your credit rating and the money you would like to borrow, the loans have a very wide range of APR percentages. Some states do have maximum APR rates. Loans can be taken for up to 84 months.

Loan features:

With four categories of loans, the APR percentages can be from 6.50% to 36.00% for a traditional loan, 6.59% to 35.84% for peer to peer, 353.23% to above 700% for payday and 199.44% to 448.76% for short term. Loans are often approved in a matter of minutes. Within one business day the funds may be deposited into your bank account. You can request a check be mailed to you, but the electronic deposit will get the money more quickly into your account.

Loan application information:

While does not check your credit score or affect your score when you apply, but they do ask that you get your own credit score and let them know what it is. You need to give them your address, email, phone number and work information in order to be approved.

Repayment terms:

While all of the loan partners have their own terms, has no hidden fees and is a free service for borrowers. Most of the loans do have fees if payments are late or missed, but charge no fines for early repayment. Laws vary from state to state so be sure to read all of the fine print.

Help and support:

There is plenty of support on a frequently asked questions section will answer most of your queries pertaining to applying and repaying loans. There is a message form that is located in the contact section of the website. A phone number, fax and email address are also provided if additional help is necessary.


As an aggregate company, can help borrowers find the ideal loan for their situation. With hundreds of lenders, there is bound to be one that will meet your criteria and vice versa.

If you have good credit, a traditional lender with a low interest rate will work. With less than perfect credit, there are many other options. The better your credit is, the more opportunities will be available to you. Certainly one will fit your current financial situation.

Physical address:

16192 Coastal Highway, Lewes, DE 19958

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