PersonalLoans.com Review

ByKevin MercadanteMar. 26, 2020

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In a Nutshell

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

PersonalLoans.com customer testimonials

ExcellentReviews 19
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Excellent
89%
Great
11%
Average
0%
Poor
0%
Bad
0%
  • 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!

    ...

PersonalLoans.com