PersonalLoans.com Review (2025): The Ultimate Guide to Their Loan Marketplace

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.

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

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:

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:

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.

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:

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.

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.

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:

Who It's Not For

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

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.

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

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.

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:

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