PersonalLoanOnline Review

ByKaty WardFeb. 01, 2021

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In a Nutshell

PersonalLoanOnline works with a network of lenders across the US. Although the company isn’t a direct loan provider, its partners provide personal loans between $100 and $35,000. The application process takes less than five minutes and, if successful, you could receive your funds within 24 hours.


  • Apply within minutes
  • Get funded within 24 hours


  • No phone support
  • APR/repayment terms only available after applying

PersonalLoanOnline at a Glance

Direct lender or marketplace? Marketplace
Loan types Personal loans
Loan amount $100-$35,000
Repayment terms Varies depending on provider
APR 5.99% and 35.99%
Suitable for Comparing up to 5 loan deals

PersonalLoanOnline PersonalLoanOnline View Rates

Suitable For?

Borrowers looking to compare deals from a range of providers.

Range of Loans on Offer

The company specializes in working with lenders that provide personal loans for a range of purposes, such as:

  • Making a major purchase
  • Consolidating debt
  • Business loans
  • Medical expenses
  • Car financing

Application Process & Requirements

You need to be over the age of 18 to apply, and have a valid bank account and proof of income. The first step is to fill in an online application form and select the amount you’d like to borrow. 

You’ll then need to provide information such as:

  • Your full name and address
  • Your credit score
  • Your annual pre-tax income
  • The details of any co-borrowers

The application process takes under 5 minutes, then PersonalLoanOnline presents you with a selection of potentially suitable deals. Depending on your circumstances, you could receive offers from up to 5 lenders. PersonalLoanOnline then connects you with your chosen lender and, if your application is accepted, you could receive your funds within 24 hours.

APRs, Loan Amounts & Repayment Terms

Most lenders in the company’s network allow you to borrow between $1,000 and $35,000, but the exact amount will depend on your circumstances. The rate of interest you pay (the APR) will also vary depending on the provider you choose, though PersonalLoanOnline states APRs are typically between 5.99% and 35.99%.

Your repayment terms will also vary depending on the deal you choose. According to PersonalLoanOnline, however, personal loans tend to have repayment terms of between 61 days and 72 months.

Privacy & Security

The company may share some of your information in line with federal regulations. You can find full details of the information the company collects, and the way it may share this data, in its privacy policy.

The company is covered by the California Consumer Privacy Act. Under this legislation, you can request details of the data a business holds on you and, if appropriate, request this information is deleted. 

Help & Support

You’ll normally need to contact your loan provider directly if you have a question or concern. All providers should display their contact details on their websites.

The company’s online resources section contains articles on more general topics such as boosting your credit score and getting access to cash in an emergency.

How PersonalLoanOnline Compares

PersonalLoanOnline Credible
APR 5.99% and 35.99% 2.49% - 35.99%
Minimum credit score None 680
Loan amounts $100 and $35,000 $1,000-$50,000
Loan term 2-72 months 12-84 months
Suitable for Comparing a range of lenders Instant and accurate results


Will I pay any fees?

Although PersonalLoanOnline’s service is free for you to use, the lender that provides your loan will charge fees and interest: the details of which will be displayed as part of your loan offer.

What happens if I make a late payment?

If you miss a payment, you’re likely to face a penalty. The amount will vary depending on the lender. Although some lenders may be flexible if you miss a payment, others will automatically add a penalty to your account and a late payment will almost certainly affect your credit score.

What if I am in serious financial difficulty?

Before taking out any loan, you should make sure you can afford the repayments and read the terms and conditions carefully. If you can no longer manage your debt repayments, it’s wise to seek out a debt support opportunity.

What is the relationship between PersonalLoanOnline and the lenders in its network?

PersonalLoanOnline connects you with companies that could potentially offer you a loan. The company is not responsible for processing, accepting, or rejecting your application.


If you’re hit by an unforeseen expense, PersonalLoanOnline could connect you with a suitable lender and the funds could be in your account in as little as24 hours.


Springates Building,

Lower Government Road,

Charlestown, KN0801, KN 

PersonalLoanOnline PersonalLoanOnline View Rates