Borrower reviews of our request form

We invite every person who submits a personal loan request to rate the experience by email about two weeks later. We publish every star rating in our average and post written comments after removing personal details such as account numbers or full names.

We do not pay for reviews, offer discounts in exchange for ratings or remove negative comments. Comments about direct tribal loans and other offers are treated the same way. A comment is removed only if it contains personal information, offensive language or content unrelated to our service. Because ratings describe the request experience, a borrower who received an expensive offer can still rate the form highly, and someone who received no offer can rate it low. Both views are useful, and both appear here.

Borrowers most often praise the speed of the personal loan form, the clarity of the APR and total cost on offers, and the freedom to decline without pressure. Those three themes appear in more than half of positive comments.

Several reviewers also mention the representative example and calculator, which helped them choose a shorter term. Others valued getting an answer by email from a real person. People who used the form for urgent repairs often mention next-day funding from the lender they chose, though funding speed is set by the lender, not by us.

The most common criticisms are high APRs on some personal loan offers, receiving fewer offers than expected and limited lender availability in certain states. We take each of these seriously, even though lenders set the terms.

High APRs mostly come from tribal and high-risk lenders, including some direct tribal loans, which is why we show the cost difference on every guide. Fewer offers usually reflect credit, income or state rules. When a comment points to something we can fix, such as a confusing form step, we change it. Recent changes based on feedback include clearer explanations of tribal lending and a better calculator on our personal loan calculator page.

Read personal loan reviews for patterns rather than single stories. Look for repeated mentions of hidden fees, aggressive calls or surprise charges, and for whether the company responds to complaints.

Public complaint data adds another view. The Consumer Financial Protection Bureau publishes complaints about lenders and loan services. Discussion boards, including tribal loans reddit threads, can surface common problems but mix verified and unverified accounts. Compare what you read with the lender's own disclosures before deciding. Reviews of our service describe the request experience; reviews of a specific lender describe that lender's personal loans or direct tribal loans.

If you used our form to request a personal loan, you can leave a review by replying to the follow-up email or by writing to [email protected]. Include the month you applied and the purpose of the request so we can match it.

We welcome critical feedback. If something went wrong with a lender, we also suggest contacting the lender directly and, if needed, filing a complaint with the Consumer Financial Protection Bureau. Our contact page lists every way to reach us.