TotalPersonalLoan Review

ByBestmoney StaffFeb. 26, 2021

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In a Nutshell

TotalPersonalLoan offers a simple solution to users looking for a quick loan of up to $35,000. Unlike traditional lending solutions, TotalPersonalLoan is a completely free, no obligation service that has an extensive network of lenders so you can receive an offer in real-time.


  • All credit types accepted
  • Secure, quick, and easy to use form
  • Large network of lenders with competitive rates


  • Does not provide information on lending partners

TotalPersonalLoan at a Glance

Loan types Unsecured personal loans
Loan amount $500 - $35,000
Repayment terms 1-5 years
APR 5.99% - 35.99%
Min. credit score None
Best for Fast and safe loans

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Best For?

Borrowers with good or bad credit who are looking for funds deposited in their bank account as soon as the next business day. With its user-friendly process, TotalPersonalLoan provides an efficient way for borrowers with any credit type to receive the funds they need while avoiding the long and strenuous process required by existing loan providers.

TotalPersonalLoan understands that not every financial situation is the same, therefore, its extensive network of lenders provides the financial help you need, whether it be to clear off existing debt, get a new loan, renovations, an unexpected emergency or any other event or situation life may throw at you. The way you use your loan is for you to decide.

Loan Features

TotalPersonalLoan prides itself on making it painless for borrowers with any credit to be connected with a lender and attain a loan. With TotalPersonalLoan’s network of lenders, users could be offered loan options anywhere from $500 to $35,000 with flexible rates and terms. The service is completely free to use with no obligation or fees. Applying does not affect your credit score. Simply complete the quick and secure online form and you can connect with one of the lenders based on your desired loan amount, employment information, income and so forth. Once connected with a lender it is totally up to you to decide whether you would like to accept the offer or try again. 

Application Process & Requirements

The form is just 3 easy steps, it only takes a few minutes to complete and is broken down into the following categories: 

  • Loan details
  • Personal/contact details
  • Employment details
  • Banking details

TotalPersonalLoan’s form is sleekly designed to make the user experience as smooth and seamless as possible, with a brief explanation of each section to guide users through the form. Once the form is submitted, you will be connected with one of the trusted lenders in under 5 minutes. 

APRs, Loan Amounts & Repayment Terms

With TotalPersonalLoan, details may vary between lenders. Below are the ranges you can expect to see with the various lenders:

  • Loan amount: $500 - $35,000
  • APR: 
    5.99% - 35.99%
  • Repayment terms: 1-5 years
  • Minimum Credit Score: None

Because TotalPersonalLoan is not a direct lender and does not issue loans it is not able to provide exact rates. Rates will be dependent upon the lender you are connected with. The main appeal of TotalPersonalLoan is that you can request smaller loan amounts, it accepts all credit types, and you can potentially be connected with lenders you wouldn’t find in other marketplaces. 

Privacy & Security

TotalPersonalLoan makes it clear that your privacy and security is their top priority. Their form is encrypted with the latest 256-bit SSL technology so borrowers can rest assured that their information is safe and secure. It is also a member of the Online Lenders Alliance which means it is compliant with all the best practices of online lending. 

Help & Support

For any inquiries or related support requests, TotalPersonalLoan can be contacted via its support email located on the contact page of their site. 

TotalPersonalLoan FAQs

Q: How long does it take to get funded? 

A: Once TotalPersonalLoan connects you with a lender, you will be asked to review your loan agreement. Once you sign the loan, your funds are released, and typically are available by the next business day.

Q: What are the operating hours?

A: TotalPersonalLoan can connect you with a lender 24/7 365 days a year.

Q: How do I know if I qualify for a loan?

A: In order to qualify for a loan, TotalPersonalLoan requires you to be a US citizen, 18 years or older, have a bank account and have a regular source of income.


TotalPersonalLoan is ideal for borrowers with both good and bad credit who are looking for fast funding from a service they can trust. It’s simple and quick form ensures users can get the funds they need without delay with flexible loan terms and rates from its large network of lenders. The safe and secure application process is completely free with no obligation and takes less than 5 minutes to complete. If you’re looking for a loan, there’s really no reason why you shouldn’t apply and see what loan options are available to you. 

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