PersonalLoans.com Review
A two-tier lead auction that sends you to the highest bidder, and by its own account usually to a network it cannot identify.
About PersonalLoans.com
A two-tier lead auction that sends you to the highest bidder, and by its own account usually to a network it cannot identify. PersonalLoans.com is offered by Great LLC, Tacoma WA and currently holds an average rating of 4.4 out of 5 across 24 user reviews. It falls into the Personal Loans category and tends to be the strongest fit for very small loan amounts when you accept that your details will be resold.
Editorial grade: C- (composite score 40/100).
Highlights
- $250 to $35,000, terms from 90 days to 72 months
- Not a lender and not a broker. It forwards your application to buyers
- Free to the consumer, paid by whoever bids most for your file
What we like
- Reaches small loan amounts from $250 that mainstream lenders will not write
- Its advertiser disclosure is unusually candid about how the auction works
Where it falls short
- Its own disclosure says lenders decide how much to pay to be connected with you and you are likely to be connected with the highest bidder, not the best price
- If nobody bids, your file goes to an extended network of other lead aggregators, and it states that it does not know which lender you are connected with
- It states that most users are connected to that extended network rather than its direct one
Fees, minimums, and rates
Monthly fee: None to the consumer; lender fees unknown and unpublished. Minimum to open: $250 minimum loan. Rates and promotional offers change often, so we re-verify every listed number on a rolling schedule and stamp the review with the date of the most recent check.
How we reviewed it
Our money-app reviews weight cost (25%), accuracy and reliability (25%), data security (20%), usefulness (20%), and customer support (10%). We install the app on a personal device, link real bank accounts, and track whether it measurably improves behavior over a 30-day window. For this review of PersonalLoans.com, our editors funded an account, walked through the full onboarding flow, and compared the experience to the other products in the Personal Loans shortlist. Scores are not influenced by affiliate relationships — partners cannot pay for better rankings, and our rubric is the same for every brand.
Similar products to compare
Read our full editorial methodology and advertiser disclosure for more on how we fund our testing and why that matters for the reviews you read here.