Fiona Personal Loans Review

I'm Donny. I'm a world traveler, investor, entrepreneur, and online marketing aficionado who has a big appetite to compete and disrupt big markets. I thrive on being able to create things that impact change, difficult challenges, and being able to add value in negative situations.

Fiona features the ability to shop lenders efficiently and comprehensively within minutes without affecting your credit score.

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Our Partner

Personal Loans


  • Matched with loan offers in 60 seconds
  • Multiple lender rates
  • Fast funding approvals
  • Outstanding customer reviews
Overall Rating

Best for Debt Consolidation Loans

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Pros & Cons


  • Fiona is a free service
  • Ability to browse lenders without affecting credit score.
  • Reputable & legitimate lenders
  • Fast & comprehensive search process


  • Fiona is not a direct lender
  • The availability of multiple lenders doesn’t guarantee you will qualify for a loan.

What if there was an efficient way to get a large lump sum of money without having to wait for your income tax return? 

Imagine the freedom you would experience by finally consolidating your credit card debt or making that large purchase you have been daydreaming about. With interest rates for personal loans near all-time lows, now is a perfect time.

Fiona is an online marketplace based in New York City that provides a directory of multiple lenders for customers to make the best selection as per specific financial requirements. 

Consider Fiona as a comparison and contrasting tool, highlighting the most competitive benefits lenders can offer, according to your financial vision.

Fiona originated over $600 million in personal loans in 2019, positively impacting the clients they served. The website uses intuitive algorithms to offer you live quotes from lenders in minutes simultaneously. 

For a full Fiona Personal Loans review, keep reading.

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Quick Summary

Estimated APR: 4.99% – 35.99%

Loan Amount: $1,000 to $100,000

Min. Credit Score: 600+ FICO score

About Fiona

Fiona is a free service that simplifies the process of determining the best financial service based upon your specific financial needs. 

In answering a few simple questions, you can quickly review and select the lender based upon who offers you the best financial benefit by answering a few simple questions. 

When you select the lender suited for your financial needs, Fiona assists you with the loan application, which varies from lender to lender.

Fiona is not a direct lender, but serves as a liaison in the process. You will be directed to complete this process on the lender’s website by providing the requested information. 

Once you submit the application, you will be subjected to a hard inquiry which can affect your credit score. Loan approval typically takes minutes. The approval is based on creditworthiness. You can expect to be funded the next business day via direct deposit. 

A major benefit in utilizing this resource is that it’s an efficient way to search for the best lenders, credit cards, student loan servicing, and life insurance policies without applying on multiple websites or affecting your credit score. 

This convenience is powered by EVEN Financial, a leading search and recommendation engine.

Fiona Personal Loan Services

Services offered include:

  • Personal Loans: Matches you with the lenders that offer you the best financial benefits
  • Student Loan Financing: Assists clients in seeking better rates for their student loans
  • Credit Cards: Displays pre-qualifying credit cards for you to determine which offers the best rates and benefits
  • High Yield Savings Accounts: Offers you search results with savings accounts offering the highest APY that earn the most for your hard-earned savings
  •  Life Insurance: Compare life insurance policies from major insurers and choose the best benefits for yourself and family.

A personal loan offers you a fixed amount of money ranging from $1,000 to $250,000 in a lump sum amount. These loans are unsecured, meaning they don’t require the use of collateral to secure them. 

Payment terms can range from one to seven years, and the terms vary from lender to lender.  

How to Qualify for a Loan

Fiona requires potential clients to be at least 21 years of age. You also must be a citizen of the United States or Permanent Resident to qualify.

Those wanting to gain the most advantage in qualifying for a loan, it's best to have a credit score of 620 or better. Fiona does list lenders who will allow credit score profiles as low as 580 to apply. 

However, credit score profiles this low will be restricted in the results available for lending. They will also be subject to much higher rates.

Fiona is based upon creditworthiness and does not require any collateral, and they also accept co-applicants if necessary for application approval. 

Here is the process for getting a loan through Fiona:

  1. Complete the online application with the requested information.
  2. Review the personalized pre-qualified loan offer result.
  3. Compare & contrast the choices for the most competitive rates, terms, and fees.
  4. Complete the lender application of your choice best suited for your needs.
  5. Get Approved.
  6. Receive funds as soon as the next business day via direct deposit.

Who is Fiona Best For?

Fiona is best for anyone 21 and over with a credit score of at least 620. As stated before, credit score profiles as low as 580 may apply but will be restricted to one or two lenders and will experience high rates/fees and may require a co-applicant. 

Clients with credit scores over 620 will enjoy the ability to select competitive benefits from lenders according to their financial vision and creditworthiness. 

Fiona’s partners have a variety of rates available for multiple credit profiles. Starting at 4.99% to 35.99%, Fiona strives to provide lenders who can serve as many applicants as possible.

Should I Get a Loan with Fiona?

If debt consolidation, making a large purchase, or home improvement can positively impact your current lifestyle, then using Fiona to determine your options requires no money and only takes a few moments of your time.

It’s worth reviewing and understanding your options. It’s a free service designed to connect you to providers capable of fulfilling the financial needs of an array of credit score profiles.

Check out their website to get started today!

Compare to Other Lenders

Sofi logo
  • Loan Amount: Up to $100,000
  • APRs: 5.74% -20.28%
  • Min. Credit Score: 680
Credible logo
  • Loan Amount: Up to $100,000
  • APRs: 2.49%-35.99%
  • Min Credit Score: 620
Upstart logo
  • Loan Amount: Up to $50,000
  • APRs: 6.95% - 35.99%
  • Min. Credit Score: 580

Fiona FAQ’s

Below are some of the other questions people typically ask about this service.

Is Fiona a legitimate company?

Yes, Fiona is a legitimate company that launched in 2014. Fiona is documented as having several major lending partners, including Marcus by Goldman Sachs and several other major financial institutions. 

Consumers Advocate reports that Fiona has a 4.5/5 star rating for their customer service and reputation on Consumers Advocate. Also, currently, there are no complaints filed with the Consumer Financial Protection Bureau. 

Fiona takes customer service issues seriously. It’s their policy to respond to customer inquiries within 24–48 hours. All inquiries are tracked through an automated system. They can be easily contacted via email and phone.

Safety is a priority for them. The security protocols they use are much higher than the standard protocols banks use. 

How long does it take Fiona to fund a personal loan?

With Fiona, customers can search the multiple lenders simultaneously for the most competitive rates with results in minutes.

Once you complete the application process and get approved, you can expect funds via direct deposit as soon as the next business day. 

What is the minimum credit score needed to qualify for a Fiona loan?

Fiona’s directory of lenders will offer the most competitive rates and results to credit score profiles starting at 620 and above. They have lenders that will allow credit profiles as low as 580 to apply.

However, search results will be restricted to one or two lenders. Low credit score profiles must also consider they will be subject to higher rates and fees. 

What interest rates can I expect to pay on a personal loan?

The fees and interest you pay on your loan are paid to the lender, not Fiona. APR for loans offered by lenders on Fiona range from 6.79%-149%. 

Rates and terms vary from lender to lender based upon their terms and agreements and how you qualified for the loan. This means your credit score influences your ability to gain the most competitive rates.


Fiona is the fastest, easiest, most comprehensive way to search financial services from top providers (including loans, savings accounts, credit cards and more).

Fiona icon

I'm Donny. I'm a world traveler, investor, entrepreneur, and online marketing aficionado who has a big appetite to compete and disrupt big markets. I thrive on being able to create things that impact change, difficult challenges, and being able to add value in negative situations.

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