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PersonalLoans.com Review

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Reviews 19

This site is a free online resource that strives to offer helpful content and

comparison features to our visitors. We accept advertising compensation

from companies that appear on the site, which impacts the location and

order in which brands (and/or their products) are presented, and also

impacts the score that is assigned to it. Company listings on this page

DO NOT imply endorsement. We do not feature all providers on the market.

Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented

on this page are disclaimed. The information, including pricing, which

appears on this site is subject to change at any time.

Kevin Mercadante
Kevin Mercadante
May. 04, 20214 min read

PersonalLoans.com summary

PersonalLoans.com, a subsidiary of Cash Advance, is a search aggregator that works an on entirely online model, using affiliates and partners to give borrowers access to a wide range of options. Designed to make it easier to compare borrowing options, PersonalLoans.com can trace its roots back to the 1990s and has had a long history of success.

Over this time, the website has forged significant relationships with the best lenders in the industry to offer outstanding offers to all demographics.

PersonalLoans.com has helped millions of borrowers find great deals online, ranging from those with credit below 500 and to those with near-perfect credentials. The company was founded to combat the “one-size-fits-all” model and put the power back into the hands of the individual.

Service Profile

PersonalLoans.com does not lend any money or produce any loans; it only puts borrowers in contact with suitable financial products. As such, the terms of use for each individual are going to be different depending on the eventual lender that they choose. Across the spectrum of partnerships, PersonalLoans.com can aggregate loans from $1,000 to $35,000 – to borrowers with credit scores from below 500 to above 720. The range of available APR will vary, but is between 5.99% and 35.99%. Loans can be used for anything from auto financing, debt consolidation, paying off credit cards and buying a new home.

Agreements made with partners of PersonalLoans.com will be within a fixed loan term of between three and 72 months. PersonalLoans.com also indexes lenders which offer shorter term and payday loans, which almost always come with a -6 month repayment period. National coverage is outstanding through PersonalLoans.com – offering at least one type of loan in all but two states. Residents of North Dakota and Maine are unfortunate to not be included within the coverage area, but the majority of states have at least two types of loan to choose from.

Loan Features

  • 3-month to 72-month term
  • $1,000 to $35,000 limit
  • 5.99% - 35.99% APR
  • P2P, Bank & Personal loans
  • Approval within minutes
  • Funding paid within days
  • No prepayment penalties
  • No hidden fees

Loan Request Information

To request a loan from PersonalLoans.com, you may have to provide the following information:

  • Paystubs
  • W-2 forms
  • Tax records
  • Social security number
  • Proof of identity
  • Proof of income
  • Employment status

PersonalLoans.com itself doesn’t require any faxed or transmitted documents to enable the search aggregator, though each individual lender may have specific requirements for application and approval. Those lenders offering a peer service may demand more detailed information on a personal level, to entice investors to fund the loans.

Repayment Terms

Repayment schedules through PersonalLoans.com can reach up to 72 months, considerably longer than many other competitors. The average repayment term is between 12 – 36 months, though can be much shorter for payday and smaller loans. The majority of partners won’t enact penalties for early repayments, but will almost always charge for missed or late payments.

Help & Support

PersonalLoans.com is a very customer-focused business and boasts one of the easiest and most intuitive websites on the market. Packed with information about the service and industry in general, along with an FAQ page, you’re unlikely to need to contact the company’s customer support. However – you can reach the team during working hours through telephone or e-mail support.

Summary

PersonalLoans.com is a simple and pain free alternative to trawling through hundreds of lending websites. Even with the time and dedication, you might never find that diamond in the rough which saves you thousands of dollars. PersonalLoans.com is incredibly easy to use and can direct you to a great lender within minutes. 

Physical Address

560 E 200 North, Suite 18 Roosevelt

Utah 84066

Kevin Mercadante
Written byKevin Mercadante

Kevin Mercadante is a freelance professional personal finance blogger, and the owner of his own personal finance blog, OutOfYourRut.com. He has extensive backgrounds in both accounting and the mortgage industry. He writes for BestMoney and enjoys helping readers make sense of the options on the market.

PersonalLoans.com
ExcellentReviews 19
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  • author
    Marco
    Dec 17, 2020
    Website review

    Excellent website! Easy to navigate.

    ...

  • author
    Ramil W.
    Nov 20, 2020
    Happy return customer

    Very satisfied return customer and approval process is as easy as it can be. They came through for me again in a time of need. You guys are the real MVP!

    ...

  • author
    Mark B.
    Nov 20, 2020
    Legit!!!

    This is a legit site! Easy to navigate and the process is very easy and hassle free. I was approved in a matter of minutes and had options to choose from. I highly recommend to everyone and would certainly come back again.

    ...

  • author
    Dan L
    Nov 19, 2020
    Convenient and super easy

    Convenient and very easy to use. Approval process was timely and was matched within moments of completing the application. Will definitely use again in the future.

    ...

  • author
    Lacy
    Nov 09, 2020
    Great experience!

    I needed some extra cash and was able to get quickly approved and had my cash the next day. Very convenient and customer service was helpful along the way!

    ...

  • author
    Isabel
    Nov 03, 2020
    Quick and Easy

    The site was easy to use and worked great from my phone! I was connected to a lender who was able to get me a large portion of the money I needed. My bank could not help me so I’m thankful for what I was able to receive. I would recommend this site and use it again in the future.

    ...

  • author
    Lisa R
    Nov 03, 2020
    It was a breeze navigating through the…

    It was a breeze navigating through the website and I found exactly what I was looking for. Thanks

    ...

  • author
    Karen
    Nov 03, 2020
    Karen Approves

    I was skeptical at first but overall I'm very satisfied with the product. It's very easy to use and navigate and best of all, it's secure. Unlike most places or products I review, I do not have any complaints and have nothing but praises. Karen approves!!!

    ...

  • author
    Anna
    Nov 02, 2020
    legit site for personal…

    Finally found a legit site for personal loan options for your average person. My credit score wasn't that great but also wasn't terrible either and I was happy to see that I was matched with many financial and loan company brands that I recognized or have seen in the media. I was able to compare a few options and ended up choosing a pretty good loan for my needs. I would recommend trying out, it is totally free and zero obligation. Also, I didn't get spammed w a billion emails etc, which is always a PLUS :)

    ...

  • author
    Raymonde M.
    Oct 27, 2020
    The website was very easy to navigate…

    The website was very easy to navigate and I was able to complete my application without any issues. Got to a lender with just as much ease. Thank you Personalloans.com!

    ...

  • author
    Neil K
    Oct 13, 2020
    Fast service

    Fast service, and CEO Jason reached out personally for feedback.

    ...

  • author
    Cody
    Oct 10, 2014
    Happy

    I am really happy with how prompt and efficient this process was. I needed a loan right away and they connected me with a lender who could provide the funds almost immediately. Thanks again, guys!

    ...

  • author
    Angelo
    Sep 16, 2014
    Not a bad service

    I have mostly positive things to say about personalloans.com. Everything was pretty easy to understand and I felt safe using the lenders in their network. My only complaint is that I didn't get my loan the same day...

    ...

  • author
    Josh
    Sep 02, 2014
    Will use PersonalLoans.com again

    I will definitely be using this company again if I need a loan in the future. I needed something fast to help with my home renovations and I hadn't been approved anywhere else. This really helped move things along with the renovating and the rates were fair.

    ...

  • author
    David Gehring
    Jul 23, 2014
    overall good

    I was overall pleased with this site for my loan. Good rates and easy system, no hassles really. Customer service was pretty good.

    ...

  • author
    hilda f
    Jun 10, 2014
    got a good loan

    this site does exactly what it says with no strings attached and no fuss. you fill out the form, you get a selection of lenders to choose from. it's all easy and your information stays protected. i picked a loan and got approved. so i really like this site. i wish i could have gotten a bank loan but i couldn't but this was maybe easier. i am happy.

    ...

  • author
    George Kaufman
    May 27, 2014
    impressed.

    i am very impressed by the speed of this service and how legitimate the process was. i filled out the form in 15 mins and got my loan within a few hours. i picked the lender myself out of the options given and i am very happy with the loan i chose. everything was simple and i knew the site was safe, which was very important to me. i would recommend this to absolutely anyone. better than the bank!

    ...

  • author
    Joan Lia
    May 14, 2014
    Safe loans!

    This is a great way to get a loan if you can't or don't want to do it through your bank. I read a lot of reviews and read all the information on the site and was content knowing how safe the process was and I felt comfortable giving them my information. They gave me a great loan and I would definitely use this service again!

    ...

  • author
    Jennifer Katz
    May 01, 2014
    Very fast loan and excellent customer service.

    I needed a loan to do some remodeling and I knew that going the traditional route through a bank would be nothing but complicated, and I wasn't sure my bank would lend to me (my credit is good but not great). This was plain easy. I called the customer service line to make sure I was doing it right and they talked me through the entire application process. I was approved right away and got to pick my own loan from the options presented to me. The money was available the next morning. Would certainly recommend.

    ...

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    • About Us
    • This site is a free online resource that strives to offer helpful content and

      comparison features to our visitors. We accept advertising compensation

      from companies that appear on the site, which impacts the location and

      order in which brands (and/or their products) are presented, and also

      impacts the score that is assigned to it. Company listings on this page

      DO NOT imply endorsement. We do not feature all providers on the market.

      Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented

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    This site is not a loan provider or a broker and does not offer loans or mortgages directly to end users, but only allows users to match with lending partners and platforms that may extend a loan. All loan approval decisions and terms are determined by the loan providers at the time of your application with them. Any matching request submitted through our website does not constitute a loan application and you will have to submit a loan application to the respective lender before the lender provides you with an actual offer. We do not warrant that you will be approved for a loan, nor that you will be offered a loan with the same terms presented on our website. Lenders listing in this website DO NOT imply endorsement. Certain details, including but not limited to loan terms, prices and special offers, are provided to us directly from our partners and are dynamic and subject to change at any time without prior notice

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