CreditArm Review

ByBestmoney StaffFeb. 09, 2021

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In a Nutshell

CreditArm is an online loans marketplace that connects users with personal loans from handpicked lenders. Its website is designed in a way that lets the user quickly and easily see rates. To apply for a loan, just spend a couple of minutes filling out some basic personal and financial details. Then, CreditArm will show you the most suitable tailored deals it can find for you from its network of lenders.


  • One application form, multiple offers
  • Only takes 1-2 minutes to see rates
  • Loans can be used for any purpose


  • Not directly a lender
  • Doesn’t reveal which lenders it works with

CreditArm at a Glance

Direct lender or marketplace? Marketplace
Loan types Unsecured personal loans
Loan amount $1,000 - $50,000
Repayment terms 12-84 months
APR APR: 4.95% - 35.99%
Suitable for Comparing multiple lenders in seconds

CreditArm CreditArm Visit CreditArm

Suitable For?

As a marketplace, CreditArm exists to connect users with tailored deals from its lending partners. It doesn’t directly offer loans. This service is useful for comparing multiple lenders. If you need a loan that’s fit for any purpose, then CreditArm can help hook you up with low rates.

Range of Loans on Offer

CreditArm offers unsecured personal loans, as in loans that don’t require any collateral and can be used for any purpose. This means you can use your loan for credit card consolidation, paying for a wedding, making home improvements, or anything else you want. CreditArm says it has a large lender network although it doesn’t specify exactly how many partners it works with. With that said, it only takes a couple of minutes to fill out the short online form and discover personal loan offers. Once approved, funding is usually completed within 1-2 business days.

Application Process & Requirements

Applying through a marketplace like CreditArm is subtly different to applying directly through a lender. The initial loan request is fairly straightforward and can be completed in just a couple of minutes. You’ll need to provide personal details (including the last 4 digits of your Social Security number), employment details, and bank account information. After you complete the form, wait a few seconds for CreditArm to show its top loan options.

It’s up to each of CreditArm’s partnering lenders to decide whether to approve you, but in general CreditArm can find you a loan if you:

  • Are a US citizen or permanent resident
  • Have a bank account where your funds can be sent
  • Have decent credit (although the minimum credit score isn’t specified)

APRs, Loan Amounts & Repayment Terms

CreditArm works with many different lenders, each of which sets its own loan amounts, repayment terms, and interest rates. The CreditArm service itself is free to use and you’re under no obligation to agree to any of the loans it offers to you. Loans fall within the following ranges:

  • Loan amount: $1,000 - $50,000
  • Repayment terms: 12-84 months
  • APR: APR: 4.95% - 35.99%
  • Origination fees: 1%-8%
  • Other fees: Varies

Privacy & Security

When you use CreditArm to apply for a personal loan, all your information is protected with 256-bit SSL encryption. CreditArm is a member of the Online Lenders Alliance, which sets best practices and standards for online lenders.

Help & Support

Although this is an online service, the good news is that CreditArm offers phone and email support. Its team can be contacted during business hours at (360) 605-1215 and

How CreditArm Compares

APR APR: 4.95% - 35.99% APR: 2.49% - 35.95%
Min credit score Not stated None
Loan amounts $1,000 - $50,000 $1,000 - $50,000
Loan term 12-84 months 3-180 months
Suitable for Comparing multiple lenders in seconds Comparing the broadest cross-section of loans

CreditArm’s partner network isn’t as extensive as other well-known marketplaces, like LendingTree, but that doesn’t mean it should be dismissed. The great thing about the marketplace model is that it forces lenders to compete for borrowers’ attention. Often, 2 marketplaces will deliver 2 completely different deals from the same lender. Using CreditArm to see loan options won’t cost you anything and it won’t impact your credit score to just check rates. Therefore, if you have a couple of minutes to spare, it’s worth applying to CreditArm alongside other marketplaces to see who can find you the better deal.


Who are the lenders CreditArm works with? CreditArm partners with multiple lenders across the US, although it doesn’t specify exactly which lenders. 

Does CreditArm offer any other loan types? No. Currently, it only offers unsecured personal loans.

What can a loan from a CreditArm partner be used for? Unsecured personal loans can be used for any purpose. This includes, but is not limited to: debt consolidation, household expenses, moving or relocation, medical bills, home improvement, and large purchases.


With CreditArm, what you see is what you get. This is a no-nonsense loans marketplace that exists to connect you with personal loan deals from a curated network of lenders. CreditArm’s network isn’t the largest, but because it’s so easy to use, we recommend filling out an application and seeing what it can hook you up with.

Physical Address

9330 NE Vancouver Mall Drive Ste 203

Vancouver, WA 98662

CreditArm CreditArm Visit CreditArm