Fiona Personal Loans Review | Find the best loan for you

Fiona is a service you can use to search for personal loan providers, as well as savings accounts, student loan refinances and more. Even Financial, based in New York, created Fiona, which is not a direct lender. Instead, it uses lender relationships to connect consumers with financing options. Loan requirements depend on the individual lender, but loans are available for almost any credit score, according to Fiona. It is free to use the service and submitting an application will not affect your credit score.

Fiona can help consumers find loans for debt consolidation, credit card refinancing, home renovations, weddings, moving and more. You may be able to find unsecured loans, lines of credit or secured loans from Fiona’s partners. Lenders may apply other loan restrictions. Other services offered by Fiona include connecting consumers with personalized credit card offers and high-yield savings accounts.

Fiona can connect consumers with pre-approved and pre-qualified loan offers from its provider network. Users can submit a single application with Fiona and see loan offers in less than a minute. Each lender has their own product offerings and credit requirements, but almost any credit score can be matched, according to Fiona.

Fiona considers several factors when matching you with loan offers, including the annual percentage rate, how quickly you need the funds, and the terms of the loan. The entire process, from applying to receiving the funds, is done electronically, with no paperwork required. You can also use Plaid, a service that uses your bank account credentials to confirm your personal information and pre-fill most of Fiona’s personal information forms. Loans can be funded in as little as one business day.

Fiona is free to use. The application process with all Fiona lenders is free, but you may have to pay an origination fee of between 1% and 6%. The origination fee will be deducted from the loan proceeds you receive and is included in the APR you see. Lenders may also charge other fees, including late payment fees. You should check directly with the lender to confirm the terms, fees and conditions.

To be matched with personal lenders on Fiona, you must complete an online application. The application process is free and will not affect your credit score. Once you’ve entered information, including why you need the loan and how much you need to borrow, Fiona will provide you with a curated list of loan offers from Fiona’s network of lenders. You can search for loans of up to $250,000 through Fiona.

When you accept a loan offer, you will be redirected to the loan provider’s website to finalize the loan. The rest of the application process is done directly with the lender, but Fiona will help pre-populate the application with the information you provided in your initial application when it is possible to do so.

The minimum credit score to qualify for a loan depends on the lender, but Fiona says her network of more than 30 lenders includes loans suitable for almost any credit score.

Fiona is an all-digital service that operates in all 50 states.

Fiona’s parent company, Even Financial, received an A+ rating from the Better Business Bureau. Trustpilot gives Fiona 4.4 stars out of 5 based on more than 200 reviews, earning it an “excellent” rating.

Fiona’s customer service is available by phone at 800-614-7505, email at [email protected], or by completing the contact form on the company’s website. Fiona promises to respond within 24-48 hours to acknowledge receipt of your request. They try to resolve all inquiries as soon as possible, but may need to contact you for additional information.

Fiona offers a range of online services. You can complete the personal loan process from application to receipt of funds online. You can also find lenders to refinance existing loans or look for high-yield savings accounts.

Fiona also offers a suite of educational articles related to the financial services she offers. Topics covered include loans, insurance, savings accounts, mortgages, credit cards and credit scores.