Are you in need of a personal loan but don’t know where to start? Look no further than Fiona Personal Loans. Fiona is a lending marketplace that connects borrowers with a network of lenders, offering personal loans ranging from $1,000 to $250,000 with comfortable repayment terms from 6 to 144 months. But is Fiona the right choice for you? In this article, we’ll take a detailed look at Fiona, its pros and cons, and its services, and answer all the questions you may have.

Fiona Overview
Fiona is a lending marketplace, it is not a direct lender, so it provides borrowers with a wide range of loan options. Whether you’re looking for a small loan to cover unexpected expenses or a larger loan for a major purchase, Fiona can help you find the right lender and loan product. Here are some fast facts about Fiona:
- Fiona Personal Loans connects borrowers with a network of lenders, giving you access to a variety of loan options.
- Personal loans offered through Fiona range from $1,000 to $250,000, providing flexibility to meet different financial needs.
- Repayment terms for personal loans can be as short as 6 months or as long as 144 months, allowing borrowers to choose a term that fits their budget.
- To qualify for a personal loan through Fiona Personal Loans, a minimum credit score of 600 is generally required.
- The APRs (annual percentage rates) for personal loans through Fiona start from 5.99%.
- In addition to personal loans, Fiona also offers access to savings accounts, credit cards, and student loan refinancing, making it a comprehensive platform for managing your finances.
Pros and Cons of Fiona Personal Loans
Like any lending platform, Fiona has its pros and cons. Let’s take a closer look at the advantages and disadvantages of using Fiona Personal Loans.

Pros
- Easy online application process: Fiona makes it simple for borrowers to apply for a loan online. The application process is user-friendly and can be completed in a matter of minutes, saving you time and effort.
- Access to a network of lenders: By connecting borrowers with a network of lenders, Fiona increases the chances of finding a suitable loan. This gives borrowers more options and the opportunity to compare different loan offers.
- Comfortable repayment terms: Fiona Personal Loans offers flexible repayment terms, allowing borrowers to choose a repayment period that aligns with their financial situation. Whether you prefer a shorter term with higher monthly payments or a longer term with lower monthly payments, Fiona can help you find a loan that suits your needs.
- Personalized loan offers: Fiona takes into account your credit score and other factors to provide personalized loan offers. This means you’re more likely to receive loan options that are tailored to your specific financial situation.
- Access to additional financial products: In addition to personal loans, Fiona also offers access to savings accounts, credit cards, and student loan refinancing. This makes it a convenient platform for managing multiple aspects of your financial life.
Cons
- Minimum credit score requirement: To qualify for a personal loan through Fiona Personal Loans, a minimum credit score of 600 is generally required. This may limit access to loans for borrowers with lower credit scores.
- Loan approval not guaranteed: While Fiona Personal Loans connects borrowers with a network of lenders, not all loan offers are guaranteed. Some lenders may choose not to approve your application based on their specific criteria.
- Potential for high APRs or fees: Depending on your creditworthiness, some loan offers through Fiona may come with high APRs or fees. It’s important to carefully review the terms and conditions of each loan offer to understand the overall cost.
- Limited customer support options: Fiona’s customer support options may be limited, which can be a drawback if you have questions or need assistance during the loan application process. It’s important to keep this in mind and be prepared to navigate the platform independently.
Fiona Services
Fiona’s main service is connecting borrowers with a network of lenders to find personal loans. However, the platform offers more than just personal loans. Let’s explore the different financial products and services offered by Fiona:
Personal Loans
Fiona specializes in personal loans, offering borrowers access to a wide range of loan options. Whether you need funds for debt consolidation, home improvement, medical expenses, or any other personal financial need, Fiona can help you find the right loan. With loan amounts ranging from $1,000 to $250,000 and repayment terms from 6 to 144 months, you have the flexibility to choose a loan that fits your specific requirements.
Savings Accounts
In addition to personal loans, Fiona Personal Loans provides access to savings accounts. The platform displays the best Annual Percentage Yields (APY) on savings accounts, allowing you to compare rates and find an account that offers competitive interest rates. By taking advantage of higher APYs, you can potentially earn more interest on your savings over time. Fiona’s platform makes it easy to explore different savings account options and find one that aligns with your financial goals.
Credit Cards
Fiona also offers access to credit cards. Through the platform, you can explore various credit card options and pre-qualify for cards that suit your needs. Whether you’re looking for cashback rewards, low APRs, or no annual fees, Fiona provides a selection of credit card choices from different companies. The platform guides you through a simple questionnaire to determine which credit cards you’re likely to be eligible for, saving you time and helping you make informed decisions.
Student Loan Refinancing
For those burdened with student loan debt, Fiona offers a streamlined search mechanism to access the best student loan refinancing offers. By entering the amount you owe, Fiona compares lenders and presents you with estimates for monthly payments, term lengths, and interest rates. This allows you to evaluate different options and choose the refinancing offer that best suits your needs. With partner lenders offering both fixed and variable APR refinance loans, you can find a solution that helps you better manage your student loan debt.

How Fiona Works
To better understand how Fiona operates, let’s take a closer look at how the platform works:
- Application: As a borrower, you begin by completing an online application on Fiona’s website. The application requires you to provide personal and financial information, such as your income, employment details, and credit score.
- Matching: Once you submit your application, Fiona matches you with potential lenders from its network based on the information provided. This matching process helps identify lenders that are likely to offer loans that meet your requirements.
- Loan Offers: After the matching process, you’ll receive personalized loan offers from different lenders. These offers will outline the loan amount, repayment terms, APR, and any applicable fees. You can review and compare these offers to choose the one that best fits your needs.
- Loan Application: Once you’ve selected a loan offer, you’ll be directed to the lender’s website to complete the loan application process. The lender will guide you through any additional requirements, such as verifying your income and providing supporting documents.
- Loan Disbursement: If your loan application is approved, the lender will disburse the funds directly to you. The time it takes to receive the funds will vary depending on the lender and other factors, but it is typically within a few business days.
It’s important to note that Fiona is not the lender itself. Fiona acts as an intermediary between borrowers and lenders. The platform facilitates the loan search and application process by connecting borrowers with a network of lenders that are willing to offer personal loans. Fiona’s role is to provide borrowers with access to multiple loan options and assist them in finding the best loan offer for their specific needs.
During the loan application process, Fiona takes into account factors such as your credit score, income, and financial information to match you with lenders that are likely to provide suitable loan offers. This personalized approach increases the chances of finding a loan that aligns with your requirements and financial situation.
It’s important to understand that while Fiona strives to provide a seamless and efficient loan application process, the final decision to approve or deny a loan application rests with the lender. Each lender may have its own criteria and evaluation process, so it’s essential to carefully review the terms and conditions of the loan offer before accepting it.
Fiona’s Minimum Requirements
To qualify for a personal loan through Fiona, borrowers generally need to meet certain requirements. While specific requirements may vary depending on the lender and the loan product, here are the typical minimum requirements:
- Credit Score: A minimum credit score of 600 is usually required to qualify for a personal loan through Fiona. It’s worth noting that some lenders may have higher credit score requirements, so it’s essential to check the specific criteria of each lender.
- Age: Borrowers must be at least 18 years old to apply for a personal loan through Fiona.
- Income and Employment: Proof of income or employment is typically required to demonstrate your ability to repay the loan. Lenders may request documents such as pay stubs, bank statements, or tax returns to verify your income.
- Social Security Number: A valid Social Security number is necessary for identity verification purposes.
- Contact Information: You will need a valid email address and phone number to complete the loan application process and receive loan offers and notifications.
- Checking Account: Lenders often require a valid checking account for loan disbursement and automatic repayment purposes.
It’s important to remember that meeting these minimum requirements does not guarantee loan approval. Lenders consider various factors when evaluating loan applications, such as debt-to-income ratio, credit history, and employment history. While Fiona’s platform can increase your chances of finding suitable loan offers, the final decision rests with the lender.
Interest Rates and Fees
The interest rates for loans offered through Fiona can vary depending on several factors, including the lender, loan product, and creditworthiness. However, APRs for personal loans through Fiona typically start from 5.99%.

It’s crucial to carefully review the terms and conditions of each loan offer, as lenders may charge additional fees, such as origination fees or prepayment penalties. These fees can impact the overall cost of the loan, so it’s essential to understand the total amount you’ll be required to repay over the loan’s duration.
Before accepting a loan offer, take the time to compare the APR, fees, and repayment terms of different offers. This will ensure that you choose a loan that suits your financial situation and minimizes the cost of borrowing.
Fiona Reviews and Reputation
When considering any financial service provider, it’s important to assess their reputation and customer feedback. While Fiona is not accredited by the Better Business Bureau (BBB), it has received positive reviews on other review platforms, such as Trustpilot. Customer reviews and ratings provide valuable insights into the experiences of other borrowers who have used Fiona’s services.
It’s recommended to read a variety of reviews and evaluate the overall consensus before making a decision. Positive reviews highlight Fiona’s user-friendly platform, access to multiple lenders, and personalized loan offers. However, it’s also important to consider any negative feedback and understand the concerns or issues raised by customers.
Although Fiona may not have BBB accreditation, it is essential to note that the platform is powered by Even Financial, which is a reputable and trusted search engine for financial services. Fiona has facilitated over $600 million in personal loans since its establishment in 2015, indicating its track record in connecting borrowers with lenders.
While customer reviews can provide valuable insights, it’s crucial to exercise due diligence and carefully review the terms and conditions of any loan offer received through Fiona. Take the time to thoroughly understand the interest rates, fees, and repayment terms before making a decision. Additionally, researching the reputation of the specific lenders associated with the loan offers is recommended to ensure they are legitimate and trustworthy.
How Fiona Compares to Other Lending Marketplaces
Fiona is one of several lending marketplaces available to borrowers. To determine if Fiona is the right choice for you, it’s important to compare it to other platforms and consider the factors that matter most to you. Here are some aspects to consider when comparing Fiona to other lending marketplaces:
- Application Process: Fiona offers an easy and streamlined online application process, making it convenient for borrowers. Compare this with other lending platforms to assess which platform provides a smoother experience.
- Lender Network: Fiona’s network of lenders increases your chances of finding a suitable loan. Evaluate the lender network of other platforms to ensure they offer a wide range of options.
- Personalized Loan Offers: Fiona’s ability to provide personalized loan offers based on your credit score and other factors is advantageous. Assess if other platforms offer similar customization in loan offers.
- Repayment Terms: Fiona’s repayment terms range from 6 to 144 months, offering flexibility to borrowers. Compare this with other platforms to determine which platform provides repayment terms that align with your financial goals.
- Interest Rates and Fees: Compare the interest rates and fees offered through Fiona with those of other lending marketplaces to ensure you’re getting the most favorable terms.
- Additional Financial Products: Fiona’s provision of access to savings accounts, credit cards, and student loan refinancing sets it apart as a comprehensive financial platform. Consider if other platforms offer similar additional financial products if that is important to you.
By comparing these factors across different lending marketplaces, you can make an informed decision and select the platform that best meets your needs and preferences.
Conclusion
In conclusion, Fiona Personal Loans is a legitimate lending marketplace that connects borrowers with a network of lenders. It offers a range of personal loan options, from $1,000 to $250,000, with comfortable repayment terms and APRs starting from 5.99%. Fiona’s platform provides convenience through its easy online application process, personalized loan offers, and access to additional financial products such as savings accounts, credit cards, and student loan refinancing.
While Fiona has received positive reviews from customers and is powered by a reputable financial services search engine, it’s important to carefully review the terms and conditions of loan offers and exercise caution throughout the loan application process. Additionally, comparing Fiona to other lending marketplaces can help determine if it’s the right fit for your specific needs.
If you’re in need of a personal loan or looking to manage your finances through savings accounts, credit cards, or student loan refinancing, Fiona Personal Loans can be a valuable platform to explore. Remember to assess your financial situation, compare loan offers, and make an informed decision that aligns with your long-term financial goals.
Fiona Personal Loans
Fiona Personal Loans Review
In conclusion, Fiona Personal Loans is a legitimate lending marketplace that connects borrowers with a network of lenders. It offers a range of personal loan options, from $1,000 to $250,000, with comfortable repayment terms and APRs starting from 5.99%. Fiona’s platform provides convenience through its easy online application process, personalized loan offers, and access to additional financial products such as savings accounts, credit cards, and student loan refinancing.