Fiona Review: Save Time with Personalized Loan Offers

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Fiona provides the fastest, easiest and most comprehensive way to get matched with offers from top providers whether you’re in the market for a loan, savings account or credit card, as well as other financial services. By filling out a simple form (in less than 60 seconds), Fiona checks all the best offers and whether you’re pre-approved by the top providers — in one place in and in real-time. This way, you’ll get instantly matched with financial product offers that meet their individual demands.

New York, NY
  • Personalized offers (loans, savings, credit cards and more)
  • Quick and easy application
  • Credit scores as low as 580
  • Unsecured loans from $1,000 to $100,000
  • Free and secure
  • High APR for low credit applicants
  • May pay loan application fees to final lender
  • Depending on creditworthiness, not all users will qualify for the appropriate recommended offer


Fiona is for adults who value making informed financial decisions and taking advantage of competitive offers. It’s best for anyone that wants a personalized offer experience that suits their financial needs. It’s also a smart choice for borrowers who want fast access to funds and the ability to use their funds without strict limitations. Consumers save time by filling out a single application that reaches multiple top providers and can also achieve pre-qualification without a hard credit hit (meaning no impact to their credit score).

How Does Fiona Work?

Fiona provides essential infrastructure to connect customers with personalized products (including loans, credit card accounts and more), utilizing its robust yet simple API. The Fiona platform serves as a trusted intermediary for financial institutions – including Prosper, SoFi, LendingClub, and Marcus by Goldman Sachs. Fiona helps customers get matched with the financial services they need. All it takes is filling out a simple form, and Fiona will check if you are pre-approved and match you with offers from all the top providers within seconds. The offers, whether they are for a loan, credit card or savings account, including comparisons for differentiators like loan terms, APR and average monthly payments.

The personal loans available through Fiona range between $1,000 and $100,000. Terms generally range from 24 to 84 months, based on creditworthiness and loan amount. Since Fiona only asks borrowers to provide their social security number initially, it results in just a soft pull. Typically, a hard credit pull does not take place until a borrower has selected their loan option and proceeds with the full application.

Fiona accommodates a flexible use of funds, so borrowers can use their loans for debt consolidation, major purchases, home improvements, medical expenses, weddings, education and more. Borrowers can use Fiona’s services for free; associated fees, if any, are determined by the chosen lender.


Pay off Debt, #1 Personal Loan

The most comprehensive lending marketplace

Only one application
Save time by filling out one application for multiple lenders without a hard credit hit.
Flexible use of funds
Use loans for debt consolidation, major purchases, home improvements, medical expenses, weddings, education, and more.
Approval based on creditworthiness
For instance employment status, credit score, homeowner status, debt-to-income ratio, and annual income instead of collateral

Similar Products

Lendio is similar to Fiona, but for small businesses. It allows borrowers to compare options, choose a loan and get funded quickly. It’s a fee-free service that works with more than 75 lenders that specialize in small business funding.

Prosper is a loan provider that lets users browse and apply for fixed-rate, fixed-term loans from them, between $2,000 and $40,000. Individuals and institutions invest in the loans and earn returns as the loans are paid off.

Does Fiona Cost Money?

Fiona is a completely free service. Borrowers can use it as much as they want to compare loan offers, browse credit card choices or select the best savings account. Fees, APR, and any other costs depend entirely on the chosen financial institution. Fiona’s financial partners offer APR rates that range between 3.84% and 35.99%. Some require an application, administration and origination fees, but others do not.

Features and Pro Tips

Anybody who is at least 18-years-old and a US citizen can qualify for a loan using Fiona. It’s best suited for borrowers with credit scores of 580 to 800. Since the loans selected through Fiona are unsecured, approval decisions are made based on creditworthiness rather than collateral. This includes employment status, credit score, homeowner status, debt-to-income ratio, and annual income.

Fiona has partnered with many big names in the industry including Prosper, SoFi, LendingClub, and Marcus by Goldman Sachs, so customers can rest assured that Fiona is a legitimate way to obtain a personalized financial offer that suits their needs.

Is Fiona Right For You?

Fiona is the right choice for people who are pursuing a financial product and want to explore their potential options without a hard credit hit. It is also beneficial in that it matches users with personalized offers from various companies in one centralized location. The platform offers a risk-free way to compare offers without any commitment or credit score damage. Fiona is also recommended for subprime consumers or those with low credit scores since it partners with alternative lenders who may be able to provide loans that standard banks cannot.