Company name
5KFunds
Website
https://5kfunds.com
info@5kfunds.com
Address
1223 Wilshire Blvd, #852, Santa Monica, CA 90403-5400
5KFunds Review 2025
Our take on 5KFunds in 30 seconds
5KFunds is a well-established lending marketplace, offering free loan comparisons from over 100 approved lenders, all in one location.
They show a wide APR range and charge no platform fees, but final costs depend on partner lenders. Terms are standard, with limited upfront detail.
Support was fast, clear, and helpful.
Pros & Cons
All credit types are acceptable
No collateral required as 5KFunds only offers unsecured personal loans
No credit check required and applying won’t affect your credit score
Qualify within minutes and receive your funds the next business day.
Simple and 100% free application process with a quick turnaround.
Not available in NY, CT, VT, WV, AK, and GA
No online chat feature.
No toll-free helpline for assistance.
5KFunds At glance
Read reviews (89)Details
Personal loan
Terms & fees
Loan amount$500 - $35,000
Term2 months - 6 years
Annual interest rate5.99% - 35.99%
Origination feeVaries by lender
Monthly fees$0
Requirements
Minimum age18
Minimum income$0
National bank requiredYes
National phone number requiredYes
Citizenship requiredYes
Electronic identificationYes
Features
Cosigner possibleNo
Revocation periodYes
Accept bad credit historyYes
Weekend payoutNo
Loan extensionsNo
Early paybackYes
Payment within 24 hoursYes
Loan brokerYes
Interest free loanNo
Additional fields
Payment hours9am-6pm
High approval rateNo
Recommended companyYes
With 5KFunds you can get a loan in as little as one business day and choose repayment periods of up to 72 months. With APRs starting at 5.99%, a 5KFunds loan can be a great option if you're looking for fast funding.
Founded in December 2015, they operate under Sincerely, LLC. Their business address is located in Boca Raton, Florida.
Note: 5KFunds loans are available in most U.S. states except New York, Connecticut, Vermont, West Virginia, Alaska, and Georgia.
Apply for a 5KFunds Loan NowHow We Rate 5KFunds
At Financer, all lenders go through a thorough research and review process. Here's how we rate 5KFunds:
| Category | Rating |
|---|---|
| Affordability | ⭐⭐⭐ |
| Application process | ⭐⭐⭐⭐ |
| Loan terms | ⭐⭐⭐⭐ |
| Transparency | ⭐⭐⭐⭐ |
| Customer support | ⭐⭐ |
| Overall | ⭐⭐⭐⭐ |
5KFunds Overview
5KFunds offers loans from $500 to $35,000 and APRs from 5.99%. They have flexible payment options and there are no minimum credit score requirements.
Borrowers have up to 72 months to pay and the approval process is very fast.
Here's a quick summary of 5KFunds:
5KFunds is committed to providing loan options regardless of credit score - one of the many advantages of using 5KFunds.
5KFunds also offers lines of credit to customers who are typically underserved at traditional financial institutions.
Want to find out more about the full range of offerings? Read our 5KFunds review below or view 5KFunds reviews from customers.
Visit 5KFunds to get startedWho Is 5KFunds For?
5KFunds are for borrowers looking for a fast online loan without requiring a high credit score. By comparing multiple lenders, 5KFunds can give you personalized loan offers from leading U.S. lenders and there are no application fees.
If you're looking for the best loan rates and you have an excellent credit score, you may want to consider other lenders that can offer you competitive rates.
Eligibility Requirements
Here are the loan requirements when applying for a 5KFunds loan:
Be at least 18 years old.
Be a U.S. citizen.
Have an active bank account that accepts direct deposits.
Have a regular stream of income.
Have a valid contact number and an active email address.
No minimum credit score is required.
Who It's For
5KFunds is for you if:
You have a less-than-perfect credit history
Need funds fast
Want to get multiple loan offers
Don't have collateral
Want to complete an online application
Who It's Not For
5KFunds may not be a good option for you if:
You want the lowest APR rates
Need a loan of more than $35,000
Want to take out a secure loan
Live in these states: NY, CT, VT, WV, AK, or GA
How To Apply for a 5KFunds Loan
Applying for a 5KFunds loan is fast and easy. Here are the steps:
Once a loan is approved, customers must communicate directly with their individual lenders to get personalized information.
Loan amounts range from $500 to $35,000 depending on the lender.
Each loan contract contains different requirements. It is essential that you thoroughly read your agreement before committing.
What To Consider Before Applying
Before you apply for a personal loan, confirm that you reside in one of the states where 5KFunds operates in.
Make sure you understand the costs involved in a 5KFunds loan, always research the offers from lenders and look for origination fees, prepayment penalties, late fees, and more.
Double-check any policies and terms before agreeing to a loan from a lender as 5kFunds just operates the marketplace and does not guarantee terms.
Although there is no minimum credit score required based on our 5kFunds review, keep in mind that the lender might do a hard credit check to determine your eligibility when you complete your loan application.
5KFunds Fees
APRs differ between lenders ranging from 5.99% - 35.99%. There are NO fees associated with using the 5KFunds site itself, though many lenders may have their own fees. Fees are dependent on the lender, not 5KFunds.
There are no prepayment penalties or hidden fees. Contact your lender directly If you are unsure whether you'll be able to afford the repayments.
5KFunds Payment Terms
The repayment terms range from a 61-day minimum to a 72-month maximum. 5KFunds does not determine the rates and terms, as these are decided by the lending partners.
Some lenders allow payments to be debited automatically from your account to help you avoid late or missed payments. Payment schedules and late payments are worked out directly with the lender.
Be sure to read the terms of your loan offer before you agree and accept.
How Financer Rates 5KFunds
Is 5Kfunds legit? Yes, at Financer we recommend 5KFunds.
At Financer, all lenders go through a thorough research and review process. We don't make recommendations lightly.
All loan applications are done through their easy-to-navigate website with a simple process that takes less than five minutes to complete. There are NO fees and many lending partners in one location.
5kFunds.com is your guide to over 100 validated lenders, enter your details and let 5KFunds prepare options that best suit your personal needs.
Application Process
The application process with 5KFunds is very quick and easy. It takes only a few minutes to complete the steps and get your loan offers.
Costs
5KFunds don't charge any fees. But some lenders may charge fees and interest.
Similar to many other short-term lenders in the U.S., the lenders' APRs start at 5.99% and are capped at 35.99%. This is much lower than payday loans.
We feel that these rates are quite attractive given that many U.S. lenders start with 10.99% APR.
There are no application fees either, making 5KFunds a good option for borrowers.
Payments
You have up to 72 months to repay a loan from 5KFunds. This is very similar to most other short-term U.S. lenders and gives you the freedom to have lower monthly payments over a longer period.
Customer Service
5KFunds provides customer service via email and phone from Mondays to Fridays, 9 am to 6 pm.
We tested out 5KFunds' customer service by requesting information via email. Although we did receive confirmation of our inquiry, we only received a formal reply a few days later, making their email support mediocre.
Privacy and Security
5KFunds takes privacy seriously by encrypting and protecting all information according to the legal requirements and 256-bit encryption.
Similar to other loan marketplaces and online lenders, 5KFunds collects and shares user information with partners in their network.
Apply for a 5KFunds loan5KFunds FAQs
How much can I borrow with a 5K Funds loan?
You can borrow up to $35,000.
What is the cost to use 5KFund?
5KFunds does NOT charge any fee, however individual lenders may have their own origination and application fees.
Is my personal information secure?
5KFunds takes your privacy seriously, and the personal information you enter protected with 256-bit bank-level SSL encryption.
Who do I contact about late payments?
Contact the lender directly if you have any issues repaying your loan. Late Payment penalties differ from lender to lender. Some lenders may automatically add a fee if it is in their agreement.
Why is 5KFunds a unique loan comparison service?
5KFunds partners with over 100 unique lenders and offers unsecured of up to $35,000. Once approved, money is directly deposited into the borrower's bank account as soon as the next business day.
How much does a 5KFunds loan cost?
The 5KFunds marketplace is 100% free to use. However, the APRs from lenders vary from 5.99% to 35.99%.
What can I use the loan for?
You can use your 5KFunds personal loan for anything you want.
When do I repay my loan?
Loan repayment terms differ by lender but repayment periods vary from 61 days to 72 months.
What can I use a personal loan for?
You can use your personal loan from 5KFunds for almost anything - home improvements, a holiday, medical expenses, shopping, or more.
Is 5KFunds legitimate?
Yes, 5KFunds is a legitimate lender marketplace that connects borrowers with lenders across the US.
How easy is it to get a 5K loan?
This depends on the lender; most lenders offering 5k loans allow for repayments of up to 5 years or more, with APRs between 5.99% and 35.99%. Many lenders also accept borrowers with bad credit.
Is lending for bad credit real?
There are many lenders that offer loans to borrowers with bad credit. Getting a bad credit loan is possible, however keep in mind that this may come with higher interest rates and fees.
5KFunds Alternatives
Here's a list of alternatives to 5KFunds and how they compare:
| Lender | Reviews | Loan Amount | APR | Max. Loan Term | Bad Credit? |
|---|---|---|---|---|---|
| PersonalLoans.com | View | $500 – $35,000 | 5.99-35.99% | Up to 6 years | Yes |
| BadCreditLoans | View | $500 – $5,000 | 5.99-35.99% | Up to 2 years | Yes |
| CashUSA.com | View | $500 – $10,000 | 5.99-35.99% | Up to 6 years | Yes |
| Fast5KLoans | View | $500 – $35,000 | 5.99-35.99% | Up to 5 years | Yes |
Should you take a loan with 5KFunds?
5KFunds has been around for quite a while and has proven to be a leading U.S. lending platform where borrowers can get personalized loan offers.
One of the best reasons for applying for a loan with 5KFunds is that interest rates from participating lenders are listed transparently.
Their customer service is responsive and they have a good feedback rating from past customers.
Read more 5KFunds reviews from customers below or add your own.
Apply for a Loan Now \u003eMore 5KFunds Personal Loan Reviews
What Users On the Web Are Saying
5KFunds gets 1.6 out of 5 stars on Trustpilot, with users showing mixed feelings:
Some users were unhappy about their personal information being shared, while others felt the service was fast and easy.
On Quora, 5KFunds generally gets positive reviews from users:
More User Reviews - Add Your Rating
Read more reviews on Financer from verified users below.
Have you used 5KFunds before? Leave your review below.
Our Commitment to Transparency
At Financer.com, we're committed to helping you with your finances. All our content abides by our Editorial Guidelines. We are open about how we review products and services in our Review Process and how we make money in our Advertiser Disclosure.
Latest Reviews
f
fc33b96575f912@crankymonkey.info
Oct 11, 2023
Upsides
Great service! I am a very happy customer. The process was really easy and 100% free. They have great customer service and make sure I...
Downsides
I have no complaints
a
afe674656cbf43@crankymonkey.info
Mar 11, 2023Upsides
Fast money within a few hours. Wide offering of loan types and payment plans. Quick sign up process with no hassles. Professional and efficient.
Downsides
No cons. Would highly recommend.
8
8c2e996567914e@crankymonkey.info
Jul 28, 2025Upsides
great experience. they offered a wide range of loans for me to chose from for the perfect fit of repaying my student debt. would highly...
Downsides
i highly recommend 5KFunds.
p
pedewos897@mainmile.com
Jul 28, 2025Upsides
100% would recommend! It was such an easy application process and I had my money within 24 hours and cant be happier about this. The...
Downsides
Not available in all states and I couldnt chat to the help line online.
s
shawndem47@gmail.com
Jul 28, 2025Upsides
The only pro was that they were willing to give me a loan.
Downsides
The cons- a repayment of over $5000 on a $900 loan. This can't be real. Be wary, be very wary of these lenders
e
erinmckenna173@gmail.com
Jul 28, 2025Upsides
No upsides mentioned
Downsides
No downsides mentioned
a
apothecareology@gmail.com
Jul 28, 2025Upsides
Not sure. Sent me buy a copy of my credit score that I didn't need and then nothing..
Downsides
Yup... sat there. Score in hand, a dollar wasted... nothing!
l
linzbrancamp@att.net
Jul 28, 2025Upsides
No upsides mentioned
Downsides
No downsides mentioned
w
wiraset715@duscore.com
Jul 28, 2025Upsides
No upsides mentioned
Downsides
No downsides mentioned
w
williamsshane73@gmail.com
Feb 4, 2023Upsides
No upsides mentioned
Downsides
No downsides mentioned
r
rnash7604@yahoo.com
Jul 28, 2025Upsides
Great reviews
Downsides
None at this time
y
yahairalee4410@gmail.com
Jul 28, 2025Upsides
No upsides mentioned
Downsides
No downsides mentioned
q
qgrace657@gmail.com
May 3, 2023Upsides
I didn’t get all well
Downsides
No one to show how the money will get into my account
s
sonyasparks0202@gmail.com
Jul 28, 2025Upsides
Seems legit
Downsides
Low income and less than perfect credit
j
johnu@yahoo.com
Mar 9, 2022Upsides
No upsides mentioned
Downsides
Can’t get approve with nothing. Keep getting spams now and redirected to other fake loans. Bye personal information
D
Davidcasley20@hotmail.com
Mar 9, 2022Upsides
No upsides mentioned
Downsides
No downsides mentioned
M
Mansitrehanbatra@gmail.com
Mar 9, 2022Upsides
I find it pretty easy to navigate . It was interactive . I will take a loan soon
Downsides
No downsides mentioned
a
a_flury@hotmail.com
Jan 8, 2022Upsides
Love the availability of lians
Downsides
Bring new company means still have tweaks and kinks to work out
e
ericagarcia110@gmail.com
Jan 8, 2022Upsides
I appreciated everything about it.
Downsides
No downsides mentioned
c
catfield85@gmail.com
Jan 8, 2022Upsides
Very good
Downsides
Nothing
s
sergiogonzalez93.sgr@gmail.com
Jan 8, 2022Upsides
Wow nice and funny
Downsides
No downsides mentioned
j
joshalbum123@yahoo.com
Jan 8, 2022Upsides
Got my loan
Downsides
No downsides mentioned
d
deriansmith63@gmail.com
Mar 7, 2022Upsides
There are none
Downsides
There are alot
p
productionsupryzin@gmail.com
Jul 28, 2025Upsides
No upsides mentioned
Downsides
No downsides mentioned
e
eseraletoa@gmail.com
Jul 28, 2025Upsides
Seems to be reasonable and reliable
Downsides
I have none to mention right now so far
f
financerus@outlook.com
Jul 28, 2025Upsides
No upsides mentioned
Downsides
No downsides mentioned
o
osunayevvie@gmail.com
Jul 28, 2025Upsides
It looked promising since I have bad credit and the website stated it worked with bad credit
Downsides
They absolutely did nothing for me , so after rereading the website I think it's a way to get my information and do nothing else
s
solomonadeeps@gmail.com
Jul 28, 2025Upsides
the pross of this company it that it make a richer guy richer
Downsides
the cons is that it might be too much for the average people to m=pay the fee
p
packioaumanyy@gmail.com
Jul 28, 2025Upsides
veryy good services for beginners
Downsides
very bad price marketing
j
janesbaster@gmail.com
Jul 28, 2025Upsides
the best one to start business or just in a lot of dept
Downsides
becarefull the interest might be too much to some
r
rajeespot@gmail.com
Jul 28, 2025Upsides
I heard some good things about t his company. I have to research it to get more loan credit
Downsides
I was recommended by my friend. I didn't know it before not well advertised.
g
gudardarine@gmail.com
Jul 28, 2025Upsides
good, reliable and trustworthy you can trust your money ,but do more research first
Downsides
pricing is high
j
johndev1223@gmail.com
Jul 28, 2025Upsides
make a great experiance for beginners
Downsides
the price could be lower
z
zackeryf007@gmail.com
Jul 28, 2025Upsides
highly recommend for money seekers
Downsides
price can be negotiable
r
ronaldarcanine67@gmail.com
Jul 28, 2025Upsides
good ,an alos more to come from this company
Downsides
very y bad
r
rayygunn0@gmail.com
Jul 28, 2025Upsides
best one all the time here
Downsides
not money should be spent it should b free
k
kinggamers7188@gmail.com
Jul 28, 2025Upsides
best site ever
Downsides
just nothing
k
kaanaltunbasak@protonmail.com
Jul 28, 2025Upsides
Çok Borç Yapıyo
Downsides
Çok Borç Var
i
iroftana@gmail.com
Jul 28, 2025Upsides
Informative
Downsides
to much blah blah blah
H
Hanning.omolo@gmail.com
Jul 28, 2025Upsides
Very Fast and understanding terms.
Downsides
I would want more loan credit.
a
aliiyumohd@gmail.com
Jul 28, 2025Upsides
This is a great market place for people seeking loan either to get through 2020 or fund their business. With 2020 i found it hard...
Downsides
No downsides mentioned
g
goaliegirl1992@msn.com
Jul 28, 2025Upsides
Great information on interest rates. They have great customer service.
Downsides
Doesn’t serve all states.
g
goaliegirl1992@msn.com
Jul 28, 2025Upsides
Great information on interest rates and great customer service.
Downsides
Doesn’t service all states.
f
fabikip123@gmail.com
Jul 28, 2025Upsides
really great helped me a lot
Downsides
nothing at all reallly enjoyed it
l
lezioniunibelle@gmail.com
Dec 3, 2021Upsides
Really fast, excellent service!
Downsides
i cant think of one
h
hanna.mina817@gmail.com
Sep 3, 2021Upsides
Fast, accurate and great interest rate
Downsides
no cons to list
r
raidily@hotmail.com
Sep 3, 2021Upsides
excellent service
Downsides
any problems
n
nadiatech1000@gmail.com
Sep 3, 2021Upsides
Top Lender
Downsides
Nothing wrong
D
Desire.Abutu@gmail.com
Sep 3, 2021Upsides
Very Good Company.
Downsides
Not Really any cons.
d
david_sevilla_1983@hotmail.com
Sep 3, 2021Upsides
Amazing customer service
Downsides
there is nothing wrong
f
farhanannoer9@gmail.com
Aug 3, 2021Upsides
The best one around
Downsides
I don't see one so far
T
Tim.Albright32@gmail.com
Jul 8, 2020Upsides
No upsides mentioned
Downsides
No downsides mentioned
k
keirrabunton@gmail.com
Aug 7, 2020Upsides
Don’t know yetv
Downsides
Just gonna have to wait and see
d
dnyandeepkhawale55@gmail.com
Jul 28, 2025Upsides
No upsides mentioned
Downsides
yeah they can do many more things to improve...
r
rebeccalvebrujo@gmail.com
Jul 28, 2025Upsides
Looks awesome
Downsides
Did not fine any
v
violet988@aol.com
Jul 28, 2025Upsides
5K Funds really helped out! Fast, accurate and great interest rate.
Downsides
There was nothing bad! Fast and super easy
j
julie.ray43@yahoo.com
Jul 28, 2025Upsides
No upsides mentioned
Downsides
No downsides mentioned
s
snehsharma183@gmail.com
Jul 28, 2025Upsides
I really loved the service from 5K Funds. They provide loan very easily in less amount of time. I recommend them to everyone
Downsides
No downsides mentioned
j
jackhhollingsworth@gmail.com
Jul 28, 2025Upsides
Fantastic customer service, very efficient and kind.
Downsides
Ease of use.
s
starc2887@gmail.com
Jul 28, 2025Upsides
Great support service really nice
Downsides
No downsides mentioned
b
benjialleman@gmail.com
Jul 28, 2025Upsides
The website is very customer- friendly and overall great to use, i haven't asked for a loan myself but seems really legit and simple. Would...
Downsides
free money haha (i'm joking, the rent service is actually pretty neat)
j
jonathanvangerve@gmail.com
Jul 28, 2025Upsides
Friend took a personal loan and he was real happy and so was i with the experience.
Downsides
Nothing really
v
vps11111@gmail.com
Jul 28, 2025Upsides
Overall good experience by my brother interaction with company regarding loan. Good back support by team.
Downsides
No downsides mentioned
s
sumankumar@email.com
Jul 28, 2025Upsides
good interesting concept making network of loan providers, saving borrowers time when searching for the right loan provider for them.
Downsides
More people need to come forward to take part in this.
n
nurmahvanlaksono@gmail.com
Jul 28, 2025Upsides
No upsides mentioned
Downsides
No downsides mentioned
h
hammasjalal@gmail.com
Jul 28, 2025Upsides
Well, looks good from the description never really took loan from the company just in it for the giveaway
Downsides
No downsides mentioned
a
adilmd501@gmail.com
Jul 28, 2025Upsides
No upsides mentioned
Downsides
No downsides mentioned
s
shorforajahmed003@gmail.com
Jul 28, 2025Upsides
Great communication and great customer service experience
Downsides
Over all a positive experience
s
syariefstar@gmail.com
Jul 28, 2025Upsides
My first loan service, so I can't really compare it to others but it was very good nonetheless.
Downsides
The website was a bit of an infodump the first time around.
a
ashleyyarbrough56@gmail.com
Jul 28, 2025Upsides
They are always there to help
Downsides
Nothing they are great keep up the good work
m
mozzouhri@gmail.com
Jul 28, 2025Upsides
GooD Compagin
Downsides
No downsides mentioned
i
infoszakmate@gmail.com
Jul 28, 2025Upsides
cool company
Downsides
nothing
p
popsoflops@gmail.com
Jul 28, 2025Upsides
good customer service
Downsides
time
s
smeade198138@gmail.com
Jul 28, 2025Upsides
No upsides mentioned
Downsides
They dont help
k
kristysims36@gmail.com
Jul 28, 2025Upsides
Great communication and great customer service experience
Downsides
Over all a positive experience
s
shavonnebabygurl95@gmail.com
Jul 28, 2025Upsides
I love funds it was very easy to get a lone and i got it more quickly then i thought i would. Awesome company.
Downsides
No downsides mentioned
r
reneeparton@aol.com
Jul 28, 2025Upsides
No upsides mentioned
Downsides
No downsides mentioned
y
yasirabbasi300@ymail.com
Jul 28, 2025Upsides
the service is to good
Downsides
No downsides mentioned
s
sriastalaxmiexports@gmail.com
Jul 28, 2025Upsides
No upsides mentioned
Downsides
No downsides mentioned
j
joshalbum@yahoo.com
Oct 8, 2019Upsides
got a loan right away
Downsides
lower interest rates
M
Michaelgaurrich@gmail.com
Apr 7, 2019Upsides
How quickly they sold my information to scammers.
Downsides
How quickly they sell your information to scammers.
c
craigbryant30@yahoo.com
Jun 6, 2019Upsides
Yes they did
Downsides
Nothing at all
j
james_6823@yahoo.com
Jul 28, 2025Upsides
No upsides mentioned
Downsides
You should not require a phone number before approval of a loan. No one wants marketing calls. I would have completed it, but I was...
k
karannarula.34@gmail.com
Jul 28, 2025Upsides
No upsides mentioned
Downsides
No downsides mentioned
k
kennywolff@icloud.com
Dec 4, 2019Upsides
Good
Downsides
No downsides mentioned
a
angel101351@gmail.com
Jul 28, 2025Upsides
No upsides mentioned
Downsides
I put all the info that was ask for my social security number and my bank account and router for about a week and haven't...
p
proudgrandma1954@yahoo.com
Jul 28, 2025Upsides
I have applied for a small loan through 5K and then sent to several lenders sites which then send me to other lenders and still...
Downsides
No downsides mentioned
m
mloft@hotmail.com
Jul 28, 2025Upsides
My experience with 5KFunds was about easier than I had imagined. The application process was quick, easy to work through, and I was matched with...
Downsides
No downsides mentioned
s
sam_machado18@yahoo.com
Jul 28, 2025Upsides
Everything about the experience with 5KFunds was great. The site was very clearm and thus made the application process quite simple. I was able to...
Downsides
No downsides mentioned
