13 Reviews

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

  • Loans from $250 - $35,000
  • Repayment terms from 6 - 72 months
  • Access to hundreds of lenders
  • APRs from 5.99%
Pros & Cons
  • Large network of lenders
  • Personalized loan offers
  • Fast online application process
  • Not a direct lender

PersonalLoans.com Review 2023

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 between six months and 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.com, all lenders go through a thorough research and review process. Here’s how we rate PersonalLoans.com:

Application process⭐⭐⭐⭐
Loan terms⭐⭐⭐⭐
Customer support⭐⭐⭐

Do We Recommend PersonalLoans.com?

Yes, we recommend PersonalLoans.com as a reliable lender marketplace. Skip to our full review below and see how we rate PersonalLoans.

Here’s what we’ll cover in this review:

Want to skip the details? Jump to our final verdict here.

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:

Loan type:Personal installment loans, peer-to-peer loans, bank personal loans
Loan amount:$250 – $35,000
Loan term:Up to 72 months
APR:From 5.99%
Min. credit score:None
Monthly fees:None
Payout time:One business day
Weekend payout:No
Requirements:At least 18 years old
U.S. citizen
Active bank account
Regular income
Valid phone number and email

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 R250 to $35,000. These loan types are generally available from lenders:

  • Peer-to-peer loans
  • Personal installment loans
  • Bank personal loans
Chosen 31,104 times
  • Loans from $250 – $35,000
  • Repayment terms from 6 – 72 months
  • Access to hundreds of lenders
  • APRs from 5.99%

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.

PersonalLoans.com Pros and Cons

PersonalLoans.com offers a large network of lenders that allows borrowers to compare multiple loan offers and choose the best deal.

Like other online lenders, the platform features lenders with APRs starting at 5.99%. Their loan limit of $35,000 is lower than other lenders but quite high for borrowers with bad credit.


  • Not a direct lender

The only real drawback of PersonalLoans.com is that they are not a direct lender. This may lead to higher APRs from some lenders, especially if a borrower doesn’t have a good credit score or a thin credit history.

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 US citizen
  • Have a credit score of at least 600
  • Have a steady income

Rates & Fees

APRs range from 5.99% to 35.99%. There is no cost to submitting a loan request with PersonalLoans.com.

The actual loan rate depends on the loan amount requested, as well as the borrower’s credit score, usage, and history. Keep in mind that some lenders may charge an origination fee as well as a late fee for overdue payments.

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.

Payment Terms

PersonalLoans.com offers repayment terms from three months 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.

Your loan cannot be conditioned upon repayment by electronic funds transfer or automatic withdrawal.

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

Who It’s Not For

PersonalLoans.com may not be a good option for you if:

  • You want the best loan rates
  • Need a loan of more than $35,000
  • Want to take out a secure loan

How to Apply for a Loan

Step 1

Visit PersonalLoans.com

Visit PersonalLoans.com and click on Get Started.

Step 2

Fill in the form

Complete a simple loan request form including the amount you want to borrow, the reason, and your credit type. You will be required to provide some personal, income, and banking information. 

Step 3

Receive loan offers


Within minutes you’ll receive suitable loan offers from various lenders, along with an invitation to complete a loan application on their website if you choose to take up an offer.

How Financer.com 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, 6 am to 7 pm PST.

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

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

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.

PersonalLoans.com FAQs

How much can I borrow?

PersonalLoans.com works with a network of lenders that offer loans up to $35,000. Loan amouns 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:

LenderReviewsLoan AmountAPRMax. Loan TermBad Credit?
5KFundsView$500 – $35,0005.99-35.99%Up to 6 yearsYes
BadCreditLoansView$500 – $5,0005.99-35.99%Up to 2 yearsYes
CashUSA.comView$500 – $10,0005.99-35.99%Up to 6 yearsYes
Fast5KLoansView$500 – $35,0005.99-35.99%Up to 5 yearsYes

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 US 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

What Users On the Web Are Saying

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.com from verified users below.

Have you used PersonalLoans before? Leave your review now.

Was this article helpful?

Be the first one to give feedback

Reviews of PersonalLoans.com

PersonalLoans.com is rated 78 out of 313 companies in total rating and got an average review score of 3.8 based on 13 reviews. Their weakness is Website & Functionality and their strength is Flexibility & Terms.
Customer reviews
Filter reviews Close Icon
All reviews
Loan reviews
Sort by Close Icon
Best rated
Worst rated
Most helpful
Tonie Torres 4 reviews | May 23, 2023
General Review
Solid and reliable
Until last month, I had poor credit scores that were in the 500s due to student loan in the past, but then I read some good reviews about this specialists so I did not hesitate to reach them on Fixmycredit At writeme c0m, They really did a good job. Negative items were erased from my report and my score went up to 250pt within few weeks. I will be forever grateful
Post reply
Aaron Anderson 1 review | March 7, 2023
General Review
Post reply
Anna Capalbo 1 review | September 1, 2022
General Review
great fast service
Post reply
Aboagye George 1 review | December 27, 2021
General Review
Though I'm in Ghana[Africa] and do not qualify, i love the simplicity of explanation provided
Try and expand your coverage
Post reply
darla_peduzzi 1 review | April 8, 2021
General Review
Post reply
shobnom_ahmed 1 review | December 3, 2020
General Review
Good rate yes
Good. Rate yes
Post reply
Aziou 1 review | March 29, 2020
General Review
Post reply
Karol hartline 1 review | December 20, 2019
General Review
Post reply
Seretta 1 review | December 16, 2019
General Review
Good service and good costumer service they help me alot
Post reply
Doris Dixon 1 review | November 14, 2019
General Review
Quick to response, easy to understand terms, accepted my application
Post reply
Load more reviews

Rate & Review PersonalLoans.com

Not convinced?

Visit their official website and learn more about PersonalLoans.com

We use cookies to give you the most relevant experience. By using our site, you accept all cookies and our privacy policy. To find out more about what cookies we use you can go to privacy overview