Fiona Personal Loan Review
- Can compare offers: With
- Owned by Prosper : Prosper (another lending platform) owns
pros and cons
Taking out a personal loan isn’t a decision to take lightly. Have a look at
Regulatory action against MoneyLion, parent company
The Consumer Protection Financial Bureau (CFPB) is suing MoneyLion, parent company.
The CFPB says Prosper broke the Military Lending Act (MLA) by overcharging servicemembers on loans. Prosper requested the case — originally filed in 2022 — be dismissed, but the CFPB said in early 2025 it won’t drop the suit, which is still pending.
requirements
How to shop for a loan with
Because
How compares to other personal loan companies
Even if
| Lender | Upstart | ||
|---|---|---|---|
| LendingTree’s rating | /5 | /5 | |
| Minimum credit score | |||
| APRs | Starting at | 7.23% – 24.00% | (with autopay) |
| Loan amounts | Not specified | Not specified -$125,000,000 | |
| Repayment terms | Not specified | 12 or 84 months | months
|
| Origination fee | None | ||
| Funding timeline | Not specified | Receive funds as soon as one business day | Receive funds as soon as the same day |
| Bottom line | is a loan marketplace that partners with a network of lenders. You’ll have to prequalify for more loan details. | Upstart is one of Fiona’s partners, but you can also apply with it directly. This loan marketplace could be useful if you have bad credit, even with a score as low as 300. | (another Fiona partner) offers large loans with no fees. It doesn’t specify its credit score requirements, but you can only qualify with good to excellent credit. |
How we rated
We evaluate personal loan lenders on more than just interest rates. Our goal is to show how accessible, affordable, transparent and supportive each lender really is.
Our categories
Every lender is scored out of 5 stars, with 5 stars being the highest rating. LendingTree loan experts determine this score using dozens of underlying data points across four weighted categories covering the full borrowing journey.
We assess how easy it is for people to qualify and apply. This includes state availability, soft-credit prequalification, membership requirements, funding speed and whether borrowers with less-than-excellent credit can get a loan.
We evaluate how affordable the loans are based on minimum and maximum APRs, loan fees and rate discounts. Lenders with unclear or potentially predatory costs receive lower scores.
We consider repayment term flexibility, loan amount ranges and whether options like secured loans, joint loans or direct-to-creditor payments are offered — plus whether the lender clearly communicates these options.
We evaluate borrower experience after funding: customer service access, hardship or forbearance programs, payment flexibility and digital tools like mobile apps or credit monitoring.
Our process
We gather data directly from lenders through their websites, disclosures and direct communication with company representatives. Our editorial team verifies and updates information regularly. We value transparency and award less favorable scores when lenders obscure or omit details.
In some cases, our editors may apply a small adjustment (no more than 4% of the overall score) to account for factors not captured by the methodology. This could include J.D. Power customer satisfaction surveys, recent regulatory actions or features that stand out in ways our rubric doesn’t measure directly.
Our editorial team applies the same scoring model and standards to every lender. Lenders cannot pay to influence our ratings.
Frequently asked questions
Yes, partners are major players in the personal loan market, including , and Upgrade .
On the other hand, some of bad credit lenders might offer loans with triple-digit interest rates. Scrutinize the details before agreeing to your offer.
doesn’t say what its minimum credit score requirement is, but it does say that some of its partners work with borrowers of nearly any score.
No, offers, the lender that you formally apply to will then probably do a hard credit pull.
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