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SearchKeyLoans Reviews


bestfor-icon Quick access to small loans

Written by Andrew Omalley

About SearchKeyLoans | Read More


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SearchKeyLoans Personal Loans Review

SearchKeyLoans is an online marketplace that offers a very narrow range of personal loan amounts. The max you can borrow will be $5,000. SearchKeyLoans will pair you with some trusted lenders so you can find the best deal for your needs. SearchKeyLoans accepts people with poor credit, while funding times often seem to be quite good.

SearchKeyLoans Personal Loans Highlight


Min Credit Score


APR. Fixed Rate


Loan Amount

Varies by lender

Repayment terms


Soft Credit Pull


Lender Type


Other Fees


Origination Fee


Prepayment Fee

1-3 days

Funding Time

Pros & Cons

  • con-icon Deals with some reputable lenders
  • con-icon Easy online process
  • con-icon No fee charged by SearchKeyLoans
  • con-icon Fast time to funding often the case
  • con-icon Not too much information about SearchKeyLoans available
  • con-icon Only small loan amounts possible

Loan Purpose

  • Business Loans
  • Car
  • Debt Consolidation
  • Home Improvement
  • Medical Expenses
  • Student Loan Refinance
  • Vacation
  • Other

Loan Type

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

SearchKeyLoans Personal Loans Terms & Requirements

A variety of loan purposes can be used if you are looking to get access to funds through the SearchKeyLoans marketplace. The loan amounts are quite small, starting at $500 and only going as high as $5,000. The exact repayment terms, APRs, and fee structures will depend on the specific lender that you end up choosing.

SearchKeyLoans does not charge you any direct fees for using its marketplace service. SearchKeyLoans also does not have any minimum credit score requirements in place, so those who have a sparse or poor credit history can find some options here.

Qualification Requirements

  • Social Security Number
  • At least 18 years old
  • US permanent resident or citizen 

Required Information

  • Credit history
  • Financial history
  • Copy of government-issued ID
  • Social Security card
  • Loan purpose
  • Proof of residence
  • Proof of income

Application Steps & Time Frames

There is a form on the SearchKeyLoans website that you fill out in order to see what loan options are available to you. This process takes a couple of minutes, requiring you to enter basic info like your full name, address, preferred loan amount, and date of birth. No hard credit check takes place at this point.

You will then be presented with a range of options for SearchKeyLoans. If you like a given loan offer, you can proceed with that given lender and submit an application. The requirements of the application process generally will be quite similar for lender to lender. Providing info about your income, loan purposes, and so on will usually be necessary.

Providing certain documents like proof of address and pay stubs often are necessary too. A hard credit check will be necessary when submitting an official application. The time to funding is going to depend on the lender, but many of them offer next-day funding.

State Availability

- Available in all states

Andrew is a freelance writer who has been crafting valuable pieces of content relating to personal finance for more than five years. Previously, he studied Economics & Finance at university and he has professional qualifications relating to financial advice.



Does SearchKeyLoans charge any fees?

SearchKeyLoans does not charge any fees to people using its platform. Instead, it makes money by getting compensation for lenders that it matches with a person.

What loan amounts are available through SearchKeyLoans?

You can get access to loans that are worth between $500 and $5,000.

Is there a credit score requirement in place at SearchKeyLoans?

There is no minimum credit score requirement disclosed by SearchKeyLoans, but it does accept people who have poor credit scores.

Customer Support

The SearchKeyLoans is very sparse, so there isn’t a huge amount of info that you can garner about the offering. However, there is enough to get started with this personal loan marketplace.

The main form of contact available through SearchKeyLoans will be through the email form on the SearchKeyLoans website. It does not really provide any telephone or live chat support to its user base. Email responses can take about a day or so to receive.

Privacy & Security

Not much information is available regarding SearchKeyLoans. It does not have a profile on Better Business Bureau and there is not too much information around about the company. It does state on its website that it is a part of the Equal Housing Opportunity Scheme.

In terms of privacy, SearchKeyLoans uses encryption technology to protect any private info or data that gets shared through the platform. As SearchKeyLoans is a marketplace as opposed to a direct lender, you will not be doing direct business with SearchKeyLoans. Many reputable lenders are a part of the SearchKeyLoans network, including Avant and Payoff.

In Conclusion

SearchKeyLoans is an online personal loan marketplace that works with certain reputable lenders. There is not a whole lot of information about this offering, which will put off a lot of people from using the offering. However, SearchKeyLoans does not charge any fees and you can be matched with some reputable personal loan lenders.

Brand Disclaimer

The operator of this website does not make loan offers, but pairs consumers with lenders and lending partners. The information you provide on this site will be shared with a lender or lending partner.

Submitting a request allows us to refer you to third-party lenders and lending partners from whom we receive compensation. Please be aware, the lender or lending partner you are paired with may not offer you the best loan terms for your financial situation. 

Loan example: If a client were to borrow a $10,000 loan with a 23.83% interest rate, 24-month loan term, and 2% origination fee ($200), the monthly payment would be $527.86.