CircleBack Lending Review

By Kevin Mercadante

Company Profile

CircleBack Lending is a new contender in the financial sector – specializing in personal loans for good-credit borrowers. Based in Boca Raton, this Floridian outfit is relatively new to the market, but is already earning plaudits from industry experts and satisfied customers. MarketWatch, Thomson Reuters, Bloomberg and Financial Times have all given this provider publication coverage. Operating on a completely online model, CircleBack Lending utilizes its reduced overheads to pass those savings on to the end user.

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Service Profile

Personal loans through CircleBack Lending are issued by County Bank of Rehoboth Beach, Delaware. By using this website, you can borrow between $3,001 and $35,000 across a whole host of loan types (debt consolidation, refinancing, home improvement, medical, auto, wedding, business, military etc.)

APR rates vary depending upon a bunch of things like credit history and employment details – but the range is between 6.63% and 35.99%.  You must be over 18, a registered U.S citizen and live in a state where such financial products are legal.

Loan Features

  • 36 and 60 months terms
  • $3,001 - $35,000 limit
  • 6.63% - 36% APR
  • 660 minimum credit score
  • Instant pre-approval decision
  • No prepayment penalties
  • No teaser rates or hidden fees

Loan Application Information

To apply for loans through CircleBack Lending, you must some of the following:

  • Current employment
  • Checking account
  • Proof of identity
  • Proof of income

Repayment Terms

For those with ‘Excellent’ credit, APR as low as 6.63% is available provided you meet all the conditions and requirements. For those who have a less sparkling credit history, APR can extend up to 36%. Repayment terms available are 36 or 60 months.

Help & Support

We contacted CircleBack Lending a couple of times via e-mail during our analysis, to check some figures. We received a fantastic first-call-resolution service with speedy replies and friendly demeanor. If you prefer to speak with one of their loan analysts over the phone you can find the customer service number on the 'Contact' page.


CircleBack Lending is certainly ticking the right boxes to be successful in the competitive personal loans market. The lower ranges of APR offers fantastically cheap borrowing options for customers with great credit – whilst flexibility in other areas makes it a viable option for most American consumers.

Physical Address

2500 Military Trail, Suite 130, Boca Raton, Florida 33431

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