Fiona Review

By Kevin Mercadante

Fiona ID Card

 Loan typesPersonal Loans
 Loan amount$1,000 to $100,000
 Repayment Terms   Variable, set by lenders
 Top ProSingle application for multiple lenders
 Top ConNot a direct lender
 Best forBorrowers with low credit scores

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Fiona at a Glance

‚ÄčOffering an algorithm-based marketplace for lenders and borrowers,Fiona is the premier place for borrowers of all kinds to find their lender match. Fiona works with the best-known brands in the alternative lending space and offers real-time pre-approval options from multiple lenders in mere seconds. Fiona provides a quick and simple online application that delivers a customer's best loan offers from competing loan providers. Borrowers are matched with the loan providers most likely to approve their applications, saving them time and money. Fiona is partnered with a large number of trusted lenders, such as Prosper, Lending Club, Rise, Avant, LightStream, Social Finance, and Vouch. The company has also been praised by many reputable business and news agencies, including The Wall Street Journal, the Finance Magnates, Dow Jones, and Crowdfund Insider.

Best for?

Fiona is best suited to borrowers with credit scores of 580 to 800, which allows for a wide range of loan amounts. Fiona provides services and multiple helpful options for clients whose credit scores are below 580. You must be at least 18 years old and a US citizen to qualify for a loan using this marketplace. 

Loan Features

Fiona features loans from $1,000 to $100,000 for a wide range of purposes from consolidating debt to purchasing a car. Loans made through Fiona are unsecured loans, meaning that the loan is issued and supported only by the borrower’s creditworthiness, rather than by any type of collateral. Therefore, you do not need to own a home or other property to be eligible for a loan through Fiona. 

  • Loans from $1,000 to $100,000
  • Loans for a wide range of purposes
  • Loans are unsecured — you do not need to own a home or property to qualify
  • Creditworthiness is only criteria used in determining loan eligibility

Pros and Cons

  • Single application for multiple lenders
  • Apply within seconds
  • Competitive rates assured
  • No negative impact on credit score
  • Loans up to $100,000
  • Unsecured loans
  • Loans to be used for almost any need
  • Top lenders in the industry
  • Not a direct lender
  • Borrowers may be bombarded with offers
  • Limited number of providers
  • Personalized offers are not guaranteed
  • Varying terms depending on lenders

The Application Process

To qualify for a loan with Fiona, you will need to be 18 years of age and a US citizen. The simple application form asks for your date of birth, social security number, how much you want to borrow and for what purpose, your employment status, credit score, homeowner status, and annual income. Fiona will run a soft credit check, which doesn’t harm your credit rating, and share both the form and credit check with the trusted lenders on its platform. You’ll start receiving pre-approved loan offers and static loan rates within a few minutes. You can compare them using Fiona’s algorithm to calculate your estimated monthly repayments for each option. When you’ve decided which offer to accept, you’ll visit the lender’s website directly, where you’ll be asked some more questions and go through a hard credit check before receiving a final loan offer.

Loan Terms — The Bare Basics

Fiona is not a direct lender, but rather a lending marketplace. It uses proprietary technology and its relationships with dozens of trusted lenders to find the best option for you. Therefore, Fiona does not determine APR rates. By working with the top lenders in the business, Fiona provides a wide range of loan terms for every borrowing need. Borrowers with a credit score as low as 580 can qualify for a loan. Offers are based on factors such as your credit history, current employment status, credit score, and present economic trends. Fiona Financial offers loan amounts between $1,000 and $100,000, which puts it ahead of other lending marketplaces such as LendingTree.   

  • Top lenders competing for your business
  • Loans offered for credit scores as low as 580
  • Loans from $1,000 - $100,000

Repayment Terms

Since Fiona is not a lender, it does not determine repayment lengths or APR rates. This is done by the financial institution that will be issuing your loan. Fiona’s trusted lenders offer APR rates as low as 3.48% and repayment terms may extend as much as 84 months. Compare the rates that are given to you by each lender to determine which offer is the best one for you.

  • APR Rates from 3.48%.
  • Repayment terms of 24 – 84 months

How Safe Is It?

Fiona uses industry-standard technology for encryption to ensure that all personal and financial information remains safe when you submit your application.Fiona does send information to third parties that you aren't able to vet beforehand, as with any matching service. However, it does not sell your personal data to other companies, and only partners with companies that are considered to be trusted, legitimate lenders.

Fiona also has a Programmatic Compliance tool that helps to semi-automate the process of staying within boundaries. This tool parses blog, web, or app pages where a client’s ad for a financial product will appear. It also parses the surrounding text on the page to detect any issues that could pose any problems with federal or state regulations. If the tool finds or suspects a violation, the ad placement is scratched, and an Fiona staff member takes a look and renders a judgment.

Fiona has been Better Business Bureau (BBB)-accredited since 2015 and has an A- rating on the BBB website.

Help & Support

Fiona can be contacted quickly and easily via email (, phone (800-410-1488), or live chat.

To compliment its support efforts, Fiona also provides a noteworthy blog and FAQ section. Jointly, these assets provide a wealth of information for browsers looking to educate themselves in the field of personal finance.


Fiona is a safe, secure way to obtain multiple loan offers. With a speedy approval process and unsecured loans that can be used for any purpose, it is an ideal option for customers who demand financing options and want to access them quickly.

Physical Address

Fiona, Inc.

45 West 21st Street Floor 5

New York, NY 10010


Visit Fiona


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