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Fiona Reviews

7.5

bestfor-icon Over 100 lending partners

angelawatson
Written by Angela Mae

About Fiona | Read More

9

LS Score

7

Credibility

7

Support

7

Accessibility

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Opening Hours Opening Hours drop-down-btn
Contact Information Contact Information drop-down-btn
  • help@fiona.com
  • (800) 614-7505
  • Headquarters: 50 West 23rd Street Suite 700 New York, NY 10010
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Fiona Personal Loans Review

Since 2015, Fiona has been a leading marketplace that lets individuals search for and compare personalized personal loan offers across lenders. The marketplace has originated more than $1.7 billion in personal loans since its launch.

Fiona Personal Loans Highlight

550

Min Credit Score

5.99-35.99%

APR. Fixed Rate

$10K-$250K

Loan Amount

2-7 years

Repayment terms

Yes

Soft Credit Pull

Marketplace

Lender Type

N/A

Other Fees

1-6%

Origination Fee

Varies by lender

Prepayment Fee

1 days

Funding Time

Pros & Cons

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  • con-icon Quick and easy process to see if you are prequalified
  • con-icon Free and secure matching service
  • con-icon Great for comparing loans
  • con-icon APRs can vary
  • con-icon 7-year max repayment terms

Loan Purpose

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  • Credit Card Refinance
  • Debt Consolidation
  • Home Improvement
  • Major Purchase
  • Medical Expenses
  • Household Expenses
  • Relocation
  • Vacation
  • Wedding
  • Other

Loan Type

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  • Secured Personal Loans
  • Unsecured Personal Loans
  • Fixed-Rate Personal Loans
  • Co-singer / Joint loans
View rates

Fiona Personal Loans Terms & Requirements

The terms and requirements depend on the lender, but most lenders require the same basic information at least. This includes things like:

  • US citizenship
  • Minimum personal income
  • Verified bank account to receive funds
  • Other personal data – date of birth, education level, gender, financial history, marital status, etc.

The terms are generally no longer than 7 years, which is shorter than is standard in the industry. However, some lenders may offer more flexible or custom repayment terms.

Starting The Process With Fiona

Fiona’s forms take only about 5 minutes to complete. Head over to the “Personal Loans” section and provide the following information:

  • Estimated credit score
  • Zip code
  • Loan purpose
  • Loan amount
  • Contact information – email address, phone number, name, mailing address, etc.
  • Housing situation
  • Education level
  • Estimated current debt amount
  • Employment status and income
  • Social Security number
  • Whether you’re partnering with a co-applicant
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Type of loan

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Loan purpose

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Loan amount

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Credit score

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Credit card debt

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Address

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Annual income

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Results

The platform will then show you the best options from its network. Once you’ve chosen one, continue to that lender’s application and complete their process. Remember to read through their offer before agreeing to anything.

Qualification Requirements

  • 550+ credit score
  • 18 years or older
  • Income Undisclosed
  • Job status Employed
  • Citizenship/residency US citizen
  • Debt-to-income ratio Undisclosed
  • Co-signer Not required but acceptable
  • Bank account May be required for funds disbursement
  • Required documents Depends on lender, but SSN and verified bank account are required

Required Information

Starting the process with Fiona is easy, but it does require you to verify your contact information, identity, bank account, credit score, income and employment, credit card debt, and education level. If you’re partnering with a co-signer, be prepared to include their information as well.

Application Steps & Time Frames

  • Fiona’s form submission process takes around 5 minutes to complete. You’ll then receive various loan terms from their partners. Depending on the lender, you may have to complete a separate form.
  • The time to funding depends, but some lenders can disburse funds within 1 business day via direct deposit. This is competitive with other marketplace lenders.

State Availability

- Available in all states

Fiona Debt Relief Review

Fiona does not offer direct debt relief, but it does offer personal loans for debt consolidation, as well as refinancing options. These loans can be used to combine high-interest unsecured debts and credit cards.

Fiona Debt Consolidation Highlights

600

Min Credit Score

$1K

Minimum Debt Amount

$1K-$250K

Loan Amount

5.99-35.99%

APR. Fixed Rate

2-7 years

Repayment terms

Yes

Soft Credit Pull

Marketplace

Lender Type

N/A

Other Fees

Varies by lender

Origination Fee

Varies by lender

Prepayment Fee

1

Funding Time

Pros & Cons

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  • con-icon Comparing loan offers
  • con-icon Quick and easy application
  • con-icon Free and secure
  • con-icon APRs can vary from lender to lender
  • con-icon 7-year repayment terms

Debt Relief Product Types

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  • Debt consolidation loans
View rates

Fiona Debt Relief Terms & Requirements

The terms and requirements depend on the lender and the applicant’s credit and financial profile. Most lenders require the applicant to be a US citizen, have verifiable income, and a bank account. Other information may include date of birth, gender, marital status, and education level.

How to Apply

The application process for debt consolidation is the same as it is when applying for a personal loan. The only difference is that you need to choose “debt consolidation” as the loan’s purpose. Other than that, be prepared with the usual information – personal, contact, financial, credit, etc. – and follow the prompts. This should only take a few minutes.

Once it’s done, you’ll receive several offers from different loan providers in Fiona’s network. Choose one and fill out their application. This may require additional information or documentation.

Qualification Requirements

  • $1,000 minimum debt
  • 600 credit score
  • Verifiable income and bank account
  • Employment information
  • Citizenship information
  • Personal and contact details
  • Bank account details
  • Co-signer’s details (optional)

Required Information

The pre-approval process can be done entirely online and generally requires your contact, personal, employment, and bank account information. It also requires a Social Security number. Most lenders will also ask for debt documents to verify your debt.

Application Steps & Time Frames

  • The application process takes around 5 minutes to complete. Once submitted, you’ll receive a personalized list of recommendations with a rough outline of their terms.
  • The time to funding depends on the lender but may be available within 24 hours with direct deposit.

State Availability

- Available in all states

Fiona Student Loans Review

Fiona is a standout marketplace when it comes to financing student loans from major service providers. It partners with several dozen institutions and lenders to create personalized recommendations – at competitive rates. These loan offers come in real-time and are pre-approved upon completing a quick online application.

Fiona Student Loans Highlight

620

Min Credit Score

2.83-8.77%

APR. Fixed Rate

$1K-$500K

Loan Amount

24-84 months

Repayment terms

Yes

Soft Credit Pull

Marketplace

Lender Type

Yes

Other Fees

Varies

Origination Fee

Varies

Prepayment Fee

Student Loan Refinance

1.97-8.94%

APR. Fixed Rate

$1K-$500K

Loan Amount

Pros & Cons

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  • con-icon Conveniently compare different refiance offers from several lenders in one place
  • con-icon Initial application doesn’t hurt your credit score
  • con-icon Easy to navigate website and fast application process
  • con-icon Completely free service with no obligation to choose a loan
  • con-icon Not a direct lender, so terms and rates may vary
  • con-icon Fiona may share personal data with its partners or affiliates
  • con-icon Hard credit check may be required when applying through a direct lender

Student Loan Type

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  • Private student loans
  • Student loan refinance
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Fiona Student Loans Terms & Requirements

Fiona’s overall student loan refinancing terms are good for the industry. The application process can be more intense than what you’d find on other marketplaces. However, this also allows Fiona to offer the best, most competitive offers.

As a marketplace, the specific terms and requirements vary depending on the lender. Some lenders offer more flexible options, such as those with longer repayment periods or different amounts. Rates and eligibility are mainly based on the individual’s creditworthiness, income, and degree status. Some lenders accept co-signers to help improve the approval odds.

How to Apply

Fiona is built on simplicity, in a good way. Its online application process takes just a few minutes to complete and requires standard information, such as:

  • Personal information – full name, SSN, date of birth
  • Contact information – mailing address, phone number, email address
  • Annual income and pay frequency
  • Employment status
  • Highest education level
  • University name and last date enrolled
  • Estimated credit score range
  • Housing status (ex. rent or own) and monthly cost of rent/mortgage
  • Citizenship status (ex. US citizen, permanent resident, or visa holder)
  • Other assets
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Refinance amount

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Credit score

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Highest level of education

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Intuition

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Graduation date

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Savings amount

There’s no hard credit inquiry at this stage, meaning there’s no impact to the applicant’s credit score. The time to funding depends on the lender, but some people receive funds within 1 business day after applying.

Required Information

Fiona’s prequalification process requires standard information about the applicant, including their personal and contact details, income and assets, and education level. To get started, simply go to Fiona’s website and apply under “Student Loan Refinance.” Keep in mind that individual lenders may require additional documentation or information.

State Availability

- Available in all states

angelawatson
Written by Angela Mae

Angela Mae is a personal finance writer specializing in loans, debt management, investing, retirement planning, and financial literacy. She comes from a journalistic background and pulls from hands-on experience and deep-dive research to breathe life into her stories. Her goal is to help others achieve financial stability and independence. When not writing, she can be found traveling, honing her yoga skills, hiking, or exploring new means of healthy, sustainable living.

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FAQ’s

Is Fiona Legit

Yes, Fiona is a reputable marketplace in New York, founded in 2015

Does Fiona provide direct loans?

No. Fiona is a marketplace. It has a large network of lenders and service providers and can connect you with the best one for you.

What services does Fiona provide?

Fiona offers personal loans, auto refinance, student loan refinance, life insurance, mortgage refinance, auto insurance, credit cards, and savings through its partner lenders.

Is the process free?

Fiona’s application process is entirely free. Its online resources are also free.

Customer Support

Fiona has a dedicated “Contact Us” page where you can fill out an online form about an issue or inquiry. It typically takes 24-48 hours to get a response.

For a faster response, contact them via email or phone. Or check their FAQ section, which answers many questions related to Fiona’s services.

If you choose a lender through the platform, you’ll need to contact them instead of Fiona for any further questions.

Privacy & Security

Fiona has standard privacy and security policies. These policies indicate what types of information Fiona collects and how the platform uses that information. Information primarily comes from filling out an online application and may include demographic data, account registration, personal records, feedback, and so forth. Fiona mainly uses personal data to help make the lending experience more personalized and connect you to the right service provider and loan.

The website and online application are also secured to protect consumer data. Most lenders in the network have similar privacy protections in place, though it’s wise to check their policies before sharing information.

Fiona is ranked 4.4 out of 5 stars on Trustpilot with 255 total reviews.

In Conclusion

Fiona is a reputable marketplace that can help make the process of finding a lender for your financing needs easier. It has over 100 partners and a convenient application process. Plus, it offers a lot of free financial resources online and a comprehensive FAQ page.

Although most of the loan service providers are carefully vetted, it’s still a good idea to verify the information with the one you’re interested in before sharing information. After all, each company may have its own privacy policies, eligibility requirements, and loan terms and rates.

Brand Disclaimer

Even Financial, Inc./ Fiona (“Fiona”, “Even”, “Even Financial”, “we”, “us”, “our”) provides our Services (described below) to you through our website located at www.hifiona.com (the “Site”) and through our online content, tools and services related to the marketplace, whether accessed on the Site or through third-party websites, mobile sites and/or applications (collectively, such services, including any new features and applications, and the Site, the “Services”), subject to the following Terms of Service (as amended from time to time, these “Terms of Service”). We reserve the right, in our sole discretion, to change or modify portions of these Terms of Service at any time without further notice. You should periodically visit this page to review the current Terms of Service so you are aware of any revisions to which you are bound. If we make any revisions, we will post them on this page and will indicate at the top of this page the date these Terms of Service were last revised. We will also notify you of any material changes through a pop-up notice, email or other reasonable means. Your continued use of the Services after any such changes constitutes your acceptance of the new Terms of Service. If you do not agree to abide by these or any future Terms of Service, do not use or access (or continue to use or access) the Services. In addition, when using certain services, you will be subject to any additional terms applicable to such services that may be posted on or in connection with the Services from time to time, including, without limitation, the Privacy Policy located at https://hifiona.com/privacy. All such terms are hereby incorporated by reference into these Terms of Service. If there is any conflict between such additional terms and these Terms of Service, the additional terms will supplement or amend these Terms of Service, but only with respect to the matters governed by the additional terms. Loan Example: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected. In this case the total amount expected to pay by the borrower will be $13,680