PersonalLoans.com Review 2026: The Ultimate Guide to Their Loan Marketplace

- Jan 12, 2026

Adheres to

PersonalLoans.com is ideal for borrowers with poor credit who want to compare multiple loan offers quickly. Their marketplace connects you with various lenders, increasing approval odds. However, expect aggressive marketing after applying and potentially multiple credit inquiries. Best for those prioritizing accessibility over the lowest rates.

APR starting from 5.99% with loan amounts up to $35,000 for qualified borrowers
Fast online application process with personalized loan offers available within minutes
Large network of lenders increases approval chances for borrowers with bad credit scores

Financer score™ is our own point system which is updated live and based on several criteria that gives you a balanced view of the company quality.

Pricing

APR ranges 5.99%-35.99% with potential origination fees from lenders. As a marketplace, rates vary widely by credit score and chosen lender - competitive for bad credit borrowers.

Customer Support

Phone and email support Monday-Friday, 6am-7pm PST. Quick response times (few hours) but limited availability and marketplace model restricts loan-specific help.

Terms and Flexibility

Clear loan amounts ($250-$35,000) and terms (90 days-72 months). Transparent about marketplace model and lender requirements. Straightforward documentation process.

Popularity

The popularity score indicates the percentage of customers choosing this company the last 90 days.

Customer Experience

Users appreciate loan matching for bad credit access. Major complaints include aggressive post-application marketing and multiple credit inquiries from referral model.

Review this company Read reviews (35)

Loan PersonalLoans.com in PersonalLoans.com – Details

Terms & fees

Loan amount$250 - $35,000

Term3 months - 6 years

Annual interest rate5.99% - 35.99%

Origination feeVaries by lender

Monthly feesVaries by lender

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 extensionsYes

Early paybackYes

Payment within 24 hoursYes

Loan brokerYes

Interest free loanNo

Additional fields

Payment hours24/7 online applications

High approval rateNo

Recommended companyYes

Company information – Details

Company namePersonalLoans.com

Websitehttps://www.personalloans.com

Phone1-800-772-2274

Emailsupport@personalloans.com

Address2661 N Pearl St. #431 Tacoma, WA 98407

Get started

PersonalLoans.com provides personal loans of up to $35,000. The company has a large network of lenders and offers loans to borrowers with bad credit.

The repayment periods for PersonalLoans.com loans typically vary from 90 days up to 72 months, based on the terms offered by each lender.

Loans obtained from PersonalLoans.com can be used for various purposes, like debt consolidation, home improvement, medical expenses, or major purchases.

Note:

PersonalLoans.com is not a direct lender, but rather a service that matches borrowers with lenders based on their credit profile, income, and loan amount.

How We Rate PersonalLoans.com

At Financer, all lenders go through a thorough research and review process. Here's how we rate PersonalLoans.com:

Category	Rating
Affordability	⭐⭐⭐
Application process	⭐⭐⭐⭐
Loan terms	⭐⭐⭐⭐
Transparency	⭐⭐⭐⭐
Customer support	⭐⭐⭐
Overall	⭐⭐⭐⭐

Do We Recommend PersonalLoans.com?

Yes, we recommend PersonalLoans.com as a reliable lender marketplace. See our full review on them below.

PersonalLoans.com Overview

PersonalLoans.com offers different types of personal loans and each type has its own pros and cons, depending on your situation and preferences.

They are quite transparent about the terms and fees lenders may charge, and they do provide a few representative loan examples.

Here's a quick summary of PersonalLoans.com:

Overview	Features
Loan type:	Personal installment loans, peer-to-peer loans, bank personal loans
Loan amount:	$250 - $35,000
APR	From 5.99%
Min. credit score:	Varies by lender (typically 580-600+)
Monthly fees:	None
Payout time:	1-5 business days
Weekend payout:	No

Their service is free to use and funding is provided directly to your account as soon as the next business day.

Their extended lender network offers competitive rates and potential customers access to services such as credit repair, debt relief, and credit monitoring.

Products Offered

PersonalLoans.com offers loans that range from $250 to $35,000. These loan types are generally available from lenders:

Peer-to-peer loans
Personal installment loans
Bank personal loans

The application process is very fast and loan offers are available within minutes. PersonalLoans.com works with a large network of lenders to provide a range of personalized loan offers for every borrower.

Borrowers with bad credit are welcome to apply.

How PersonalLoans.com Works

Getting loan offers from PersonalLoans.com is easy and straightforward. It takes only a few minutes to receive personalized loan offers online.

The company uses proprietary technology to evaluate loan requests while also searching for potential lenders. Applicants can benefit from a simple three-step loan request to find out if they qualify.

Once a loan offer is located, PersonalLoans.com redirects applicants to the lender’s page, which contains the specific details of the loan.

Loan Requirements

Loan requirements vary between lenders, however, PersonalLoans.com matches you with suitable loan offers based on your unique needs.

It's important to review loan offers and their terms, to ensure you have the best possible chance of being approved. Loan requirements vary between lenders, but these are the typical qualifying criteria:

Be at least 18 years or older
Be a U.S. citizen
Have a credit score of at least 600
Have a steady income

Payment Terms

PersonalLoans.com offers repayment terms from 90 days up to 72 months, and loans can typically be repaid once or twice a month.

Specific loan terms will depend on the lender as well as the borrower's credit profile and payment history.

Depending on your choices or the terms set out by the lender, personal loans are typically repaid either monthly or every two weeks.

You might be able to arrange for money to be automatically taken out of your bank account on the day that you and your lender have agreed.

Make sure you read and understand all loan repayment policies to know what you must do as a borrower in order to pay back the loan.

Simulation

Representative example: A personal loan of $8,500 over a 24-month period with an APR of 6.99% will have monthly payments of $380.53 for a total loan amount of $9,132.68.

Who Is PersonalLoans.com For?

PesonalLoans.com is ideal for borrowers looking to compare loan offers from multiple lenders offers online without requiring a high credit score.

By comparing multiple offers, PersonalLoans.com 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.

Who It's For

PersonalLoans.com is for you if:

You want to compare multiple lenders
You have a bad credit score
You want a fast application process
You want a completely online application

They also have FAQs available, as well as clear terms and requirements.

Their website is straightforward and easy to navigate, with contact information and service terms clearly available.

Privacy and Security

PersonalLoans.com 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, PersonalLoans.com collects and shares user information with partners in their network.

How Financer Rates PersonalLoans.com

Is PersonalLoans.com legit? Yes. PersonalLoans.com connects applicants with suitable lenders that offer loan products that meet their individual needs.

With a wide network of reputable lenders, PersonalLoans.com is able to provide personalized loan offers to each borrower within minutes.

The loan application process is fast and the website offers transparency about loan rates, terms, and requirements.

Customer Service

PersonalLoans.com offers customer service via telephone and email from Mondays to Fridays, 6am to 7pm PST.

We've tested out their email support and received a reply within a few hours:

FAQs

How much can I borrow?

PersonalLoans.com works with a network of lenders that offer loans up to $35,000. Loan amounts may vary from one lender to the next and will depend on each borrower's credit profile.

What are the loan rates?

This varies between lenders but APRs are typically between 5.99% and 35.99%.

What happens if I miss a payment?

If you think you won't be able to pay your loan on time, you should get in touch with your lender as soon as possible to find out what your options are. You may qualify for a new payment arrangement but be aware that some lenders may charge late fees for missed payments.

Is PersonalLoans.com a direct lender?

No. PersonalLoans.com works with a network of lenders and connects you with suitable loan offers from specific lenders.

Is PersonalLoans.com legit?

Yes. PersonalLoans.com is a reputable online lending platform that connects borrowers with a network of lenders for personalized loan offers.

PersonalLoans.com Alternatives

Here's a list of alternatives to PersonalLoans.com and how they compare:

Lender	Loan Amount	APR	Max. Loan Term	Bad Credit?
5KFunds	$500 – $35,000	5.99-35.99%	Up to 6 years	Yes
BadCreditLoans	$500 – $5,000	5.99-35.99%	Up to 2 years	Yes
CashUSA.com	$500 – $10,000	5.99-35.99%	Up to 6 years	Yes
Fast5KLoans	$500 – $35,000	5.99-35.99%	Up to 5 years	Yes

Should you take a loan with PersonalLoans.com?

PersonalLoans.com 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 PersonalLoans.com is they work with reputable U.S. lenders and they are transparent about their terms.

Their customer service is responsive and they have a good feedback rating from past customers.

Read more PersonalLoans.com reviews from customers below or add your own.

More PersonalLoans.com Reviews

5KFunds gets 4.6 out of 5 stars on Trustpilot, with users being happy about their user experience on the platform:

Although PersonalLoans.com is not BBB accredited, they get a 4.8 out of 5 stars:

More User Reviews - Add Your Rating

Read more reviews on Financer from verified users below.

Have you used PersonalLoans.com before? Leave your review below.

Latest Reviews

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Latest Reviews

Super convenient way to secure a loan online instead of researching tons of lenders on my own. They basically did all the hard work for me. Got matched right away with a lender who could give me the money I was looking for. Definitely coming back if I need this again.

Had to get a personal loan fast! Didn't think I'd actually find something that worked until I stumbled on this site. To be honest I was nervous doing it all online but the site was super simple to use and felt safe. Got my money within a couple days and finally stopped worrying about where to get the cash.

Filled out the application and they actually connected me with a Lender who approved the exact loan I requested. Other sites just kept wasting my time going nowhere, so finding Personalloans was a huge relief because they genuinely came through. Even got the complete amount I asked for.

My local bank turned me down for the funding I was after. Tried this site instead and got paired with a lender who approved the small loan I needed to fix my car fast.

You should approve people who actually pay their bills back (makes no sense why you don't) did anyone even check my history of paying credit card bills on time every single month for years not just two years but YEARS "NO" you won't help someone with an honest track record I have no idea what you're even looking for since it's clearly NOT someone who pays bills monthly.

I am just waiting.

No complains

great fast service

Great website! Simple to navigate.

Super happy repeat customer and the approval process couldn't be simpler. They delivered for me once again when I really needed help. You guys are seriously the best!

This site is totally legit! Simple to use and everything about the process is straightforward with no headaches. Got approved within minutes and had multiple options available. Would absolutely recommend to anyone and will definitely be back.

Really convenient and super simple to navigate. Approval happened quickly and I got matched right after finishing the application. Will for sure use this again down the road.

Needed extra cash and managed to get approved fast with the money in my account the next day. Super convenient and their customer service helped me out throughout the process!

Super easy to get around the site and located just what I needed. Appreciate it

Wasn't sure about it initially but I'm really pleased with how everything turned out. Super simple to figure out and get around, and most importantly, it's safe. Unlike a lot of other things I've reviewed, I honestly don't have any issues and only good things to say. I'm giving this my full approval!!!

At last, a legitimate website for personal loan choices for regular folks. My credit wasn't amazing but it wasn't horrible either, and I was pleased to find myself matched with several financial and loan companies I'd heard of or seen advertised. Got to compare multiple options and picked out a solid loan that worked for what I needed. Definitely worth checking out, completely free with no commitment required. Plus, they didn't flood my inbox with a ton of emails or anything, which is always a BIG plus :)

Navigating the website was super straightforward and my application went through smoothly without problems. Connected to a lender just as easily. Thanks so much Personalloans.com!

Quick service, plus the CEO Jason contacted me directly asking for my feedback.

Awesome

Good service and good costumer service they help me alot

Good rate yes

Good. Rate yes

poor srvice

Their expertise shone through as they guided me through the labyrinthine process of dealing with banks and financial institutions, ensuring that all necessary measures were taken to protect my interests.

Very good service. Personalloans.com was able to find me a loan for couple bigger purchases. Recommended

Filling the application online is easy. I was able to get a $20.000 loan to renovate my home.

Quick to response, easy to understand terms, accepted my application

Really pleased with how quick and smooth everything went. Needed funding urgently and they matched me with a lender who got me the money almost right away. Thanks a lot, guys!

Got mostly good things to say about personalloans.com. Everything made sense and felt secure working with their network of lenders. Only issue is I didn't receive my loan same day...

Would absolutely use this company again when I need another loan down the road. Needed quick funds for home renovations and got turned down everywhere else. This really got my renovation project moving and the rates were reasonable.

Generally happy with this site for getting my loan. Decent rates and straightforward system, not much hassle at all. Customer service was solid.

this site delivers exactly what it promises without hidden catches or complications. you complete the form, you get matched with lenders to pick from. everything's straightforward and your data remains secure. i selected a loan and got the approval. so yeah i really like this site. i wish a bank loan had worked out but it didn't but this was probably simpler anyway. i'm satisfied.

honestly blown away by how fast everything moved and how legit the whole thing felt. filled out their form in about 15 minutes and had my loan just a few hours later. got to choose my own lender from the options they showed me and couldn't be happier with what i picked. the whole process was straightforward and i felt confident the site was secure, which mattered a lot to me. would tell anyone about this. way better than dealing with a bank!

Really solid option for getting a loan when going through your bank isn't ideal or possible. I spent time reading through reviews and all the details on their website and felt good about how secure everything was, so I was comfortable sharing my info. They got me an excellent loan and I'd absolutely use them again!

Had to get a loan for some remodeling work and knew the traditional bank route would just be a hassle, plus I wasn't confident my bank would approve me (my credit's decent but not perfect). This was super straightforward. I actually called their customer service to confirm I was doing everything correctly and they walked me through filling out the whole application. Got approved immediately and picked my loan from what they offered me. Money showed up the next morning. Would definitely recommend.

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PersonalLoans.com Review 2026: The Ultimate Guide to Their Loan Marketplace