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Fiona Loans Review

Home » Fiona Loans Review

The following Fiona loans review will illustrate how this company operates, details of complaints found online, and its overall reputation. Look closely at the pros and cons of using Fiona’s loans compared to other debt consolidation lenders. And don’t forget to also check out the “Top 20 Best Debt Relief, Settlement, and Consolidation Lenders for 2023” after reading the Fiona personal loans review.

Fiona debt consolidation loans are a top-rated choice at, and we will tell you why.

Fiona loans reviews: BBB, Complaints and More!

What is a Fiona loan?

Fiona debt consolidation loans come from the most reputable banks and lenders. But Fiona is not a direct lender. Instead, they match people with the best lenders depending on each person’s unique financial profile, credit score, and debt-to-income ratio. For this reason, Fiona debt consolidation loans are the Top Choice–because consumers can access all the best lenders in one spot. is a comparison site for finding loans. They make shopping for a loan easy. They do all the leg work for you, evaluating lenders to determine the best lenders for each type of loan based on each person’s unique set of circumstances.

Then in addition to that, their technology makes it easy to apply for a loan, get approved, and get the money fast. Usually, getting a loan can be a very stressful task. First, you have to find reputable companies. That means you must do extended research online and all on your own. Then, you have to reach out to different companies for quotes and deal with their salespeople pitching you various products, not knowing who to trust. 

Eventually, your phone will get non-stop calls from salespeople following up with you about getting a loan, to the point where you can feel harassed. And suppose you do find a lender that you want to apply with. That can be more stressful because most lenders have a compliance department that does extensive due diligence and can take weeks of back-and-forth conversations. In addition, you have to submit document after document. As if you didn’t have enough going on with life, family, possibly kids, and a job?

With Fiona, all this gets streamlined into one easy-to-use application. And that’s why has selected Fiona as our Top Choice for personal loans and debt consolidation lenders.

Review Fiona Loan Pros

  • The service is free. 
  • Quickly compare the best loan options.
  • It’s a safe way to apply for a loan. 
  • No adverse effect on credit due to their system using soft credit pulls
  • Easy application process 
  • Personalized loan options 
  • Excellent customer service 

Review Fiona Loan Cons

  • Fiona does not offer mortgage or auto loans.
  • Fiona is not a direct lender.
  • Not every lender is part of their network. 
  • You are not guaranteed to get approved for a loan. The loan offers customers get approved for from the direct lender they get matched with may vary from what Fiona’s pre-approval initially quoted them.
  • After applying for a loan with Fiona, you may receive promotional offers from lending partners, which some borrowers could consider spam.
  • Fiona does not have a lender’s license. And a lender’s license forces debt consolidation companies to be more accountable for advertising.

Fiona Personal Loans Vs. Bank Loans 

The time it takes to get a loan from a bank can vary depending on the bank, the type of loan, and your financial situation. Generally, the loan application process with a bank can take anywhere from a few days to a few weeks.

The process typically involves filling out an application, providing documentation to support your application, and undergoing a credit check. The bank will then review your application and credit history to determine whether to approve your loan and what interest rate and terms to offer you.

The loan process with a bank can be stressful for some people, especially if they are concerned about their credit history or have anything less than a 700 credit score. This is because banks have the strictest lending policies and credit requirements compared to other online lenders, including companies like Fiona.

For example, Bank of America and Discover will only offer debt consolidation loans to people with a credit score of 660 or higher. And even if your credit score is above 660, that won’t guarantee getting approved for a bank loan. Banks also consider your income, employment status, and other debts when determining your eligibility for a loan.

 However, banks typically have clear requirements and guidelines for loan applications, and if you meet these requirements, you are likely to be approved for a loan.

The bottom line is that the loan application process with a bank can be more time-consuming and involved than applying for a loan through an online loan marketplace like Fiona or Credible. 

Complaints mentioned in Fiona loans reviews? 

While there are many benefits to using Fiona to find and compare loan options, there are also some potential downsides to be aware of, including:

  1. Complaints about Fiona’s misleading loan terms (i.e., rates and payments): A handful of Fiona customers complained at about how their pre-approval included misleading and inaccurate details. For example, one complaint stated, “Even with good credit, Fiona’s loan offer was for less than I needed, an interest rate twice as high as what I’m paying now, with a monthly payment three times higher than what I’m paying now.” Another complaint about Fiona personal loans mentioned, “I received an email that I could receive up to $250,000. I put in all the necessary info, and Fiona said, ‘I could receive a $5,000 loan’.”
  2. Limited lender options: While Fiona partners with a wide range of lenders, the platform does not work with every lender and bank. This means that you may not be able to find the best loan option for your needs if the lender you want to work with is not on Fiona’s platform.
  3. Potential spam emails: When you apply for a loan through Fiona, you may receive loan offers from multiple lenders. While these offers can be helpful, they may also result in an influx of emails and calls from lenders. You can opt out of receiving these emails by unsubscribing from the lender’s email list. That said, after applying with most online lenders for a loan, your phone will start ringing with lots of loan solicitations for months following the initial loan inquiry. Credit9 is one of those lenders that has many negative reviews online about how people have gotten harassed with unsolicited ads from lenders after applying for a loan on their platform.
  4. Not a direct lender: Fiona is not a lender but rather a loan marketplace connecting borrowers with lenders. This means that you will need to complete the loan application process with the lender directly, and Fiona may be unable to assist you if you encounter any issues or problems with the lender.
  5. No guarantee of approval: While Fiona can help you find and compare loan options, there is no guarantee that you will be approved for a loan. Approval is ultimately up to the lender and will depend on factors like your credit score, income, and debt-to-income ratio.

Overall, while there are some potential downsides to using Fiona for loans, the platform can be a helpful tool for comparing loan options and finding a loan that meets your needs. 

What is Fiona’s loan application process? 

To apply for a loan through Fiona, these are the steps –

  1. Go to the Fiona website at
  2. Click the “Get Started” or “Check My Rate” button.
  3. Enter your personal information, including your name, address, date of birth, and Social Security number.
  4. Provide details about your employment, including your current job status, income, and employer information.
  5. Indicate the loan purpose and amount you’re interested in borrowing.
  6. Review and agree to the terms of service and privacy policy.
  7. Submit your loan application and await loan offers from Fiona’s partner lenders.

Once you submit your application, Fiona will match you with potential lenders based on your credit profile, loan amount, and loan purpose. Then, you will receive loan offers from the lenders, including the interest rate, loan term, and any associated fees.

It’s important to carefully review the terms and conditions of each loan offer and compare them to find the best option for your financial needs. You can then select an offer and complete the loan application process with the lender directly.

What does it mean to be pre-approved by Fiona?

Being pre-approved by Fiona means that based on the information you have provided, Fiona has matched you with personalized loan offers from their network of lending partners that you will likely be a good candidate for.

The pre-approval process typically involves a soft credit inquiry, which does not affect your credit score. Fiona will use your information, such as your credit score, income, and employment status, to determine your eligibility for different loan offers.

If you see loan offers you are interested in, you can choose to apply for the loan. At this point, the lender may conduct a hard credit inquiry, which can impact your credit score. The lender will also review your application and may require additional documentation, such as pay stubs or bank statements, before making a final decision on your loan application.

It’s important to note that being pre-approved by Fiona does not guarantee getting approved for a loan. The final decision on your loan application will depend on various factors, including the specific lender’s underwriting criteria and your ability to meet the lender’s requirements. 

However, getting pre-approved can give you a good idea of the loan offers you may qualify for and help you make an informed decision about borrowing.

Is Getting a Loan at Fiona Safe?

Fiona’s loan interface is one of the safest places to apply for a loan. And here’s why – The platform takes several measures to protect an applicant’s personal and financial information.

First, Fiona uses industry-standard encryption technology to protect users’ data when it is transmitted over the internet. This means your personal and financial information is kept secure and private during the loan application process.

Fiona only works with reputable lenders that the platform has vetted and verified. The lenders that Fiona partners with must comply with all applicable laws and regulations, including those related to data privacy and consumer protection. Using their platform to find trustworthy lenders can keep you safe from scams. 

Finally, Fiona is committed to providing its users with transparent and reliable loan-matching services. The platform discloses all fees, rates, and terms associated with each loan offer, so you can make an informed decision when selecting a loan option. 

Overall, while no online platform can be 100% guaranteed safe, Fiona takes multiple measures to protect its users and ensure a safe and secure loan application process.

Fioana loan reviews that were evaluated online tell us –

  1. Clients say Fiona offers a high chance of approval: You have a better chance of qualifying for a loan when applying through Fiona because they’ve connected their user-friendly platform to the top lenders in the nation, including Prosper, SoFi, LendingClub, and Goldman Sachs. 
  2. Its customers talk about Fiona offering the best rates: You can quickly get a list of lenders that will approve your loan, and you’re presented with the details of each option, seeing the rates, fees, and terms connected with each loan option. You can then pick the one that you like best.
  3. Applicants use Fiona loans for various reasons: Fioana can offer you a loan to consolidate debt, pay off a home improvement project, finance a major purchase, education loans, and much more.
  4. Clients appreciate the personalized service: Fiona offers personalized loan recommendations based on your credit profile and borrowing needs.

The remainder of this Fiona loan review will help you compare this online lender to similar companies in the industry. 

We’ll give you insight about–

  1. The cost of Fiona’s debt consolidation loans
  2. Analysis of customer complaints and reviews found online about Fiona.
  3. Fiona loan requirements 
  4. Frequently Asked Questions (FAQs)

Fiona Debt Consolidation Loan Cost:

Fiona is a loan marketplace that connects borrowers with lenders who offer debt consolidation loans. Fiona does not charge a fee for its services, so you can use the platform to compare loan offers from multiple lenders for free.

However, the lenders you are matched with through Fiona may charge fees associated with the loan, such as an origination fee or prepayment penalty. The fees vary depending on the lender and the loan terms. 

Overall, the cost of a debt consolidation loan through Fiona will depend on the loan offer you receive from the lender, including the interest rate, fees, and repayment terms.

Details About Fiona Personal Loan Reviews Found Online From its Customers:

Fiona has generally received positive customer feedback for its loan-matching platform and personalized loan recommendations.

Customers have appreciated the ease of use and convenience of comparing loan offers from multiple lenders in one place. Many have also noted that the platform is user-friendly and that the loan application process is quick and straightforward.

Additionally, customers have found that Fiona’s loan recommendations are personalized to their specific financial situations, credit scores, and borrowing needs. This has helped many customers find loan options suitable for their financial goals.

Fiona Loans Reviews at BBB:

Unfortunately, we could not find this company’s BBB profile and rating. However, customer reviews about Fiona can be found in other reputable places, including,, TrustPilot, and

What credit score do you need for a Fiona loan?

There is no set credit score requirement for a loan through Fiona, as the platform works with a variety of lenders who may have different credit score requirements. However, most lenders on the Fiona platform prefer borrowers with a credit score of at least 600.

That being said, even if you have a lower credit score, you may still be able to find loan options through Fiona. The platform works with lenders specializing in offering loans to borrowers with lower credit scores, although you may face higher interest rates and fees.

It’s important to note that your credit score is just one factor that lenders will consider when reviewing your loan application. Other factors that may impact your eligibility for a loan include your income, employment history, and debt-to-income ratio. Additionally, lenders may review your credit report in more detail to assess your creditworthiness beyond your credit score.

Suppose you are concerned about your credit score or your eligibility for a loan through Fiona. In that case, you can use the platform’s pre-qualification tool to see what loan offers you may be eligible for before officially applying. This can help you understand what loan options are available to you and what the terms and rates may be.

Does using Fiona hurt your credit score?

Using Fiona’s pre-qualification tool to check for loan offers does not typically hurt your credit score. 

However, if you officially apply for a loan through Fiona and a lender performs a hard credit check, it may impact your credit score. A hard credit check is a more in-depth review of your credit report and occurs when you formally apply for credit, such as a loan or credit card. 

Even a hard credit check typically only has a small impact on your credit score, and the effect tends to fade over time.

Accepting a loan offer and making timely payments can help improve your credit score over time. On the other hand, if you are late on payments, it can hurt your credit score.

Is Fiona worth using?

Whether or not Fiona is worth using depends on your individual financial situation and borrowing needs. However, the platform can be a helpful tool for borrowers looking to compare loan offers from multiple lenders quickly and easily. 

In addition, if circumstances make it hard to find a lender to approve you, such as due to bad credit, Fiona’s platform can offer tremendous value by giving you access to a variety of lenders and personalized loan offers. 

Can Fiona help you borrow up to $250000?

After submitting a loan request to Fiona, you may receive multiple loan offers with varying loan amounts. However, the maximum loan amount you can borrow through Fiona is typically around $100,000. The loan amount you are eligible for will depend on factors including your credit score, income, and debt-to-income ratio.

It’s also important to note that borrowing a large amount, such as $250,000, typically requires more stringent lending criteria and may be more difficult to obtain. Lenders may require a higher credit score, more income, and additional collateral to secure the loan. It’s also possible that you may need to apply for a business loan rather than a personal loan to obtain such a large amount.

Suppose you’re interested in borrowing a large amount of money. In that case, it’s essential to carefully review any loan offer’s terms and rates and consider your ability to repay the loan. It is also helpful to consult with a financial advisor to determine the best course of action for your financial situation.

Does Fiona do a hard pull?

Using Fiona’s pre-qualification tool to check for loan offers typically only results in a soft credit inquiry, which does not affect your credit score. However, if you formally apply for a loan through Fiona, the lender may perform a hard credit inquiry, impacting your credit score.

Fiona Loans Review – Disclosure: aims to provide the most factual information about debt relief, settlement, and consolidation reviews. Please email us at if any of the information mentioned in this Fiona loans review is incorrect. We are not responsible for the results of any program or loan you choose. Therefore, always do your own research without relying on this or any single third-party review. Other reputable sources to check reviews about Fiona loans include the BBB, and the Attorney General office.

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