article by Emery S. author June 26, 2017
our score is a loan broker that helps people who need a little financial assistance for a brief period of time. Not an actual lender, provides the link between borrowers and lenders depending on the lender's criteria and the borrower’s background.
  • Offers three kinds of personal loans
  • Accepts applicants with bad credit
  • Up to 72-month repayment plans
  • No hidden fees
  • Fast application process
  • No loan processing on weekends
  • Recent bankruptcies affect eligibility
  • Company is not subject to federal or state laws offers multiple types of personal loans, allowing them to cater to borrowers from many different financial backgrounds.
Emery S., author
Money Back Guarantee Works with low credit scores (580+)
Key Factors Offers peer-to-peer, personal installment, and bank personal loans
Quick pre-approval process
Ease of Use Easy online application process
Reliability Funding available within 3 business days
P2P Loans Try Now >>
APR as low as 5.99%
  • Credit Score: 600+
  • Minimum Income: $2,000 per month
  • Income Source: Employed or Self-Employed
  • Loan Range: $1,000 to $35,000
Try Now >>
Installment Loans Try Now >>
APR as low as 5.99%
  • Credit Score: 580+
  • Minimum Income: $2,000 per month
  • Income Source: Employed, Self-Employed, or Benefits
  • Loan Range: $1,000 to $35,000
Try Now >>
Bank Loan Try Now >>
APR as low as 5.99%
  • Credit Score: 580+
  • Minimum Income: $3,000 per month
  • Income Source: Employed or Self-Employed
  • Loan Range: $1,000 to $35,000
Try Now >>

Quick Data

  • Unspecified number of lending partners
  • Loans range from $1000-$35,000
  • APRs range from 5.99%-35.99%

Applicant Requirements

The specific requirements for each borrower will vary depending on which lender they are working with. Some lenders require higher credit scores than others, for example. For a comprehensive list of these requirements, see the specific lender you wish to deal with on the website.

Regardless of which lender you opt for, your credit score will be checked, and you can expect to provide basic information such as:

  • Loan amount desired
  • Bank account information
  • Age and US citizenship status
  • Reason for the loan (this can be quite general as personal loans are typically used for nonspecific purchases or reasons, unlike mortgages or auto loans that are earmarked for a particular purpose)

State eligibility will depend on the lender as well, and which states participate with the particular lender in question.


Application Process’s application process is one of the easiest and fastest available since everything is done online. The entire process can be completed in 4 simple steps:

  1. Fill out the brief online questionnaire to see if you are eligible for a loan.
  2. com will process your information and send you lender matches that apply to your circumstances.
  3. Carefully read over the terms for each offer you are given. Remember, you are under no obligation to accept an offer that is presented to you. Once you’ve chosen a lender, you’ll be in touch with them directly to work out the repayment terms and deposit details for your loan.
  4. Give the lender your necessary details, and a deposit can be made within one business day of application approval.

Loan Terms Overview

The terms of each loan will vary depending on which lender an applicant is pursuing as well as the specific details of the borrower themselves. Different lenders will have different terms attached to their loans including repayment methods, late or early payment fees, and dates when the repayments are required. Additionally, lenders may alter their terms depending on the credit history and reputation of the borrower and the amount of the loan being taken.

Repayment loan terms can range anywhere from six to 72 months.

Special Features 

Possibly the most impressive feature that sets apart from the competition is the fact that they will work with low and bad credit score applicants. In an attempt to break the “only good credit” stigma of many other personal loan providers, offers financial assistance to borrowers with credit scores as low as 600 (and in some cases even lower). This provides a tremendous service to those who really need the financial aid but aren’t able to meet the steep requirements of most lenders.

Additionally, offers three different types of loans:

  • Peer to peer: Borrow money from a lender rather than a bank for looser requirements. These loans can come with an origination fee of anywhere from 1%-5% though, so read the terms.
  • Personal installments: These are direct bank loans, but they’re much easier to manage than a typical bank loan.
  • Personal bank loans: This is a proper loan from a bank and is available for borrowers with great credit and a steady monthly income that is verifiable.

The various types of loans allow to cater to a wider range of borrowers than the average lender marketplace.

Multiple Devices Platforms Available offers a mobile app that’s helpful for applicants who prefer to apply and compare offers via their mobile device. The app is currently available for iOS devices including iPhones and iPads.

Antivirus Setup Limitations only offers loans up to $35,000. While this may be a reasonable amount for paying off a small debt or making a mid-sized purchase, $35,000 will not finance a larger business venture, extensive household renovation, or major event. Potential borrowers should note that the company is owned by the Ute Indian Tribe, meaning that any legal disputes with the company will be resolved under their legal system, rather than a state or federal legal system.

Support offers an FAQ section with answers to most of the common questions people have when venturing into a personal loan acquisition.

Customer support is available via email at, an online contact form, a mailing address listed on their website, or toll-free number: 1-800-772-2274 Monday-Friday from 6AM-7PM CST.

Bottom Line Bottom Line’s website is intuitive and easy to use. The application process is fast, and connects borrowers of all financial backgrounds to a wide range of potential lenders.