LoanInPersonal Loans Review and Ultimate Guide for US Borrowers

— Review updated Aug 2025

Written by Joe Chappius

- Aug 11, 2025

Reviewed by Ricardo Laizo

Loan in Personal operates as a loan connection service rather than a direct lender, matching potential borrowers with lending partners.

While their application process appears simple, the lack of upfront information about potential rates, fees, and lending partners creates uncertainty for consumers.

This type of service may be useful for those with limited credit options, but borrowers should carefully review actual loan offers and consider alternatives before committing.

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Loan in Personal At glance

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Written by

Joe Chappius

Company name

Loan in Personal

Website

https://loaninpersonal.com/

Pricing

Loan in Personal doesn't display specific rates on their website, referring users to partner lenders for actual loan terms. This lack of transparency about potential APRs or fee structures before application suggests higher-than-average costs.

Customer Support

They provide a customer service phone number, which is accessible. However, without direct testing, response times appear to be within industry standard with typical helpfulness for a loan connection service rather than offering financial advice.

Terms and Flexibility

Loan in Personal connects borrowers with various lenders. Terms are average - they outline their service process clearly but leave actual loan terms to their lending partners, creating an additional layer between borrowers and final loan agreements.

Customer Experience

The website promises a simple "two-minute form" application process and claims to welcome "all credit types." The interface is straightforward but lacks the advanced features or educational resources that premium lending platforms typically offer.

Pros & Cons

  • Wide Loan Range & Terms: Advertises $100–$30,000 with 12–84 month repayment windows, giving flexibility for small emergencies or mid-size needs.

  • Fast Process & Funding: Simple form, real-time matching, and funds could arrive as soon as next business day (often 24–48 hours after signing).

  • All Credit Types Welcome: Uses a network of lenders to increase your odds of an offer even with weaker credit.

  • Free to Use: The service is free for consumers; the site earns referral fees from lenders.

  • Not a Direct Lender (Lead-Gen/Ping-Tree): Your request is sold to providers (often the highest bidder) so pricing and experience can vary widely.

  • Possible High-Cost/Tribal Matches: The site notes it may route to tribal lenders and even shows examples up to 199%–600% APR on small loans.

  • Extensive Data Sharing & Outreach: Submitting a request opts you into calls, emails, and SMS (even if on Do-Not-Call), and providers may run hard credit pulls.

Details

Loan - Loan in Personal

Terms & fees

Loan amount$100 - $30,000
Term1 year - 7 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 periodNo
Accept bad credit historyYes
Weekend payoutNo
Loan extensionsNo
Early paybackNo
Payment within 24 hoursYes
Loan brokerYes
Interest free loanNo

Additional fields

Payment hoursAlways Open
High approval rateNo
Recommended companyYes
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