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.
By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 11, 2026.
Our verdict
Your file goes to the highest bidder, not the best price, by PersonalLoans.com's own disclosure, so it fits only very small loans, from $250, where you accept your details will be resold. Roughly 900 companies may receive your data, payday and tribal lenders among them. It was named in the FTC's January 2022 ITMedia action, which settled for $1.5 million.
Skip it if you don't want your details resold to lead aggregators, payday lenders or debt relief sellers.
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. Our editorial rating is 4.4 out of 5.
Best 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 own 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Monthly fee: None to the consumer; lender fees unknown and unpublished.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 fees last checked on September 11, 2026.
How we reviewed it
This is a desk review: we have not opened an account with Great LLC, Tacoma WA. It is built from Great LLC, Tacoma WA's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Personal Loans shortlist. The rubric is the same for every brand.
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Read our full editorial methodology for how we review products.