Desk-researched overview · Loan matching
PersonalLoans.com review: typical requirements by loan type
PersonalLoans.com is a matching service for personal loans of $250 to $35,000. Unlike most matching sites it publishes typical lender requirements: a credit score of roughly 580–600+ and verifiable income of $2,000–$3,000 a month depending on the loan type. Its rates page lists 5.99%–35.99% APR, 90 days to 72 months and no prepayment penalty, though its APR disclosure elsewhere says 5.99%–35.89% and 61 days to 96 months.
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Loan matching · 5.99%–35.89% generally advertised
Published repayment ranges conflict. Confirm the lender’s actual schedule, costs and information-sharing permissions.
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Typical requirements by loan type
PersonalLoans.com lists example underwriting requirements for the loan types in its network (PersonalLoans.com: how it works (typical requirements, APR disclosure) ↗):
| Example loan type | Credit score | Minimum income | Income source |
|---|---|---|---|
| Example 1 | 600+ | $2,000/month, verifiable | Employed or self-employed |
| Example 2 | 580+ | $2,000/month | Employed, self-employed or benefits |
| Example 3 | 580+ | $3,000/month | Employed or self-employed |
It adds that lenders typically decline applicants with accounts more than 60 days late, active or recent bankruptcies, recent charge-offs or debts that current income cannot cover. If that describes you, a credit-building step may come first.
Two sets of published terms
| Rates page | APR disclosure | |
|---|---|---|
| APR | 5.99%–35.99% | 5.99%–35.89% |
| Term | 90 days–72 months | 61 days–96 months |
| Amount | $250–$35,000 | — |
| Prepayment penalty | None | — |
| Payment frequency | Monthly or twice a month | — |
Sources: PersonalLoans.com: rates and fees (standard terms) ↗, PersonalLoans.com: how it works (typical requirements, APR disclosure) ↗. The differences are small, but they show that the lender’s own disclosure is the only number to rely on.
Its representative example, and the fee detail
The APR disclosure gives a representative example: $1,500 over 24 months at a fixed 34.98%, monthly repayment $87.13, total $2,091.12 (PersonalLoans.com: how it works (typical requirements, APR disclosure) ↗). A landing page quotes lender examples with origination fees — for instance $5,000 over 36 months at 6.03% with a 1.11% fee of $55.50, for a 6.78% APR — and notes that some lenders add the fee to the balance instead of deducting it (PersonalLoans.com landing page (lender origination fee examples, soft pull) ↗). Check which method your offer uses with our origination fee calculator.
Credit checks and data sharing
PersonalLoans.com says it may do a soft pull that does not affect your score (PersonalLoans.com landing page (lender origination fee examples, soft pull) ↗). It is compensated by lenders, and that compensation may affect which offer you are shown (PersonalLoans.com: how it works (typical requirements, APR disclosure) ↗).
Who PersonalLoans.com may suit
Borrowers with fair credit (around 580 or higher) and steady, documented income who want a monthly installment loan rather than a short-term advance. If your score is well below 580, the published requirements suggest you are unlikely to be matched.
PersonalLoans: questions
What credit score do I need for PersonalLoans.com?
Its examples show 580+ or 600+ depending on the loan type; lenders decide.
Is there a prepayment penalty?
Its rates page lists none for standard personal loan terms.
Is PersonalLoans.com a lender?
No. It connects borrowers with lenders or lending partners and does not make credit decisions.
New to matching services? Read how loan matching services work first.
Sources and review date
| Source | Review |
|---|---|
| PersonalLoans.com: how it works (typical requirements, APR disclosure) ↗ | Checked November 12, 2026 |
| PersonalLoans.com: rates and fees (standard terms) ↗ | Checked November 12, 2026 |
| PersonalLoans.com landing page (lender origination fee examples, soft pull) ↗ | Checked November 12, 2026 |
We have not verified approval rates, personal offers, state licensing or funding speed.