• APR RANGE: 4.9%-35.99%
  • REPAYMENT TERMS: 24-84 months
  • LOAN AMOUNTS: $1000-$100.000
  • FUNDING TIME: Determined by lenders
  • FEES: No setup fees

In-Depth Even Financial Review [Updated for 2022]

  • APR RANGE: 4.9%-35.99%
  • REPAYMENT TERMS: 24-84 months
  • LOAN AMOUNTS: $1000-$100.000
  • FUNDING TIME: Determined by lenders
  • FEES: No setup fees

Best For

Automating Personal Loan Applications


  • Valuable network of reputable loan providers
  • Boasts Online Lenders Alliance (OLA) seal
  • Fantastic online educational resource center
  • Various interest rates and loan term options


  • Customer service available only via email
  • Number of offers could be overwhelming

Even Financial is a personal loan company that has recognized how frustrating and time-consuming the personal loan application process was and set about to change that with its personal loan comparison service.

We’ve considered Even Financial reviews and all the company’s services, and we’ll fill you in on what the company offers, its requirements, pros, and cons, FAQ, and more.

Even Financial Overview

Even Financial has been operating since 2014, and even though it’s a relatively new company, it has succeeded in attracting a lot of attention because it offers a quick and easy application process

Based on reviews I’ve read while researching, I concluded that there weren’t complaints that would suggest any major problems. At the same time, the fact that the application process is fast and effortless was confirmed.

Even Financial Key Details

If you shop around, you’d see that Even Financial offers higher loan amounts than most loan companies, with longer repayment terms. Some of the lenders in their network have additional features, such as a mobile app and no origination fee, among other things. Just for the sake of comparison, take a look at the top personal loans out there.

There are some cons, too. For example, APR can be high in some cases.

Feature Description Rating
Loan amount  The expected loan amount ranges from $1,000 to $100,000 based on the amount requested and your credit score. 5
APR Because of its marketplace model, the Annual percentage rate (APR) on the loans offered ranges from 4.99% to 35.99%, depending on the lender and loan you apply for. 4
Monthly payment Even Financial will connect you with lenders to find you one with a monthly payment option that best suits your budget. 4
Loan terms Even Financial’s loan term repayment ranges from 24 to 84 months. 5
Fees and penalties You don’t have to pay a cent to make use of the Even Financial platform. All fees and penalties (origination fee; prepayment penalty, late payment penalty, returned payment fee) are charged by the lender you opt for. 5
Interest rates Even Financial’s lenders offer many different types of interests, so opt for one with the most competitive interest rate. 5
Loan type You will be presented with a range of unsecured personal loans offered by the various lenders on Even Financial’s platform. 5
Automatic withdrawal Most lenders will allow you to opt for automatic withdrawal, so you won’t need to worry about making manual repayments. 5
Arbitration services As is the case with almost all loan comparison services, Even Financial does not offer any kind of arbitration services. /
Prepayment penalty, hidden fees charges Even Financial is free of charge, and as such, there is neither a prepayment penalty nor hidden fee charges. These are determined and enforced by the loan institutions, so be sure to read the fine print of any agreement you sign. 5
Privacy policy A comprehensive privacy policy can be found on the Even Financial website, so be sure to read through it and pay careful attention to the fine print that documents the information they collect and how they use it. /
Additional features Since Even Financial isn’t itself a lender, it doesn’t have any personal loan features of its own. However, its various lenders offer a range of personal loan features (mobile app, customer service via phone, no origination fee, etc.). 4
Approval time The typical approval time of a successful application is just a few minutes. 5
Funding time The typical funding time of Even Financial is determined by its lenders, so it varies accordingly. 4

Even Financial Eligibility Requirements and Application Process

Almost anyone can apply for a personal loan with Even Financial. Its eligibility criteria are fair and make the service accessible to most US adults. There are no minimum income threshold or length of credit history requirements. So long as you meet other Even Financial credit requirements regarding age, citizenship, and minimum credit score – you’re good to go! 

  • Years of age: 18 years of age 
  • Citizenship: US citizens or permanent residents only 
  • Minimum credit score: The minimum credit score needed is 550 
  • Income threshold: No minimum income threshold specified 
  • Minimum length of credit history: No minimum length of credit history specified 

Before you move on further, inform yourself on what personal information you have to provide while filling out applications.

Now, let’s dive into the application process.

Finding the right personal loan to apply for with Even Financial could not be any easier. Whether you’re reading an Even Financial refinance review or one of their other services, one thing will keep popping up: the ease of application. Just one look at the below Even Financial application process review, and you’ll see what we mean.

  1. Visit the Even Financial personal loan finder at www.hifiona.com.
  2. Enter the loan amount that you’d like to apply for. You can enter any number ranging from $1,000 to $100,000.
  3. Next, you’ll need to state your reason for requesting a loan. The options are: debt consolidation, credit card refinance, home improvement, large purchase, student, auto, baby, boat, business, green loan, household expenses, medical and dental, moving and relocation, taxes, vacation, etc. 
  4. Enter your approximate credit rating. If you have a limited or non-existent credit rating, select that option. 
  5. Enter your email address.
  6. Enter your date of birth.
  7. State whether you rent your home, own it with a mortgage, or own it outright. 
  8. State your highest level of education.
  9. Enter your street address, ZIP code, city, and state.
  10. Provide your phone number.
  11. State whether you’re employed, unemployed, self-employed, retired, or a member of the military.
  12. Enter your annual income in USD and state whether you get paid weekly, bi-weekly, monthly, or twice a month.
  13. Enter your Social Security number.
  14. Accept the terms and conditions and wait for the offers to start pouring in! This takes just a few seconds, and you’ll be automatically redirected to the most appropriate loan offering that, based on the information you provided, you’ll have preapproval for.

As you can see from the above, the Even Financial application process review is about as easy as it gets. The entire application process can take up to as little as 60 seconds of your time if you know all of your information. It may be a good idea to have your SSN and bank records on hand. If for some reason you don’t get approved, don’t worry, there are personal loans for bad credit you can get. 

Even Financial Alternatives

Company  Win Lose Best for
Even Financial Higher loan amount in comparison to other companies APR can be high with certain lenders People who need money in a short period of time
5k Funds No credit score needed to be able to apply  Lower loan amounts  Any purpose
Loans Under 36 There is no minimum credit score requirement Individuals can get loans up to $35,000  People with bad credit score 
Monevo A bit lower APR, 3.49% Not a direct lender Credit card consolidation
Credible It offers refinancing options Individuals with fair and excellent credit have more chances of approval Competitive interest rates
Best Egg This company approves loans to applicants who have a credit score of around 600. It charges an origination fee Quick funding

Even Financial has an A+ rating on BBB. And, if you need a loan for any purpose, this is the place for you. The company offers loans of up to $100,000 with terms of up to seven years. 

Is Even Financial Worth It?

So if you’re looking for a quick and easy way to get personal loan offers, this may just be it. In addition to its fair personal loan eligibility criteria, incredibly fast application process, and impressively high-quality pool of lenders, Even Financial BBB reviews are massively positive, and the company boasts the Online Lenders Alliance (OLA) seal of approval.

If you have bad credit and you weren’t approved, take a look at companies that offer loans with guaranteed approval. Or, if you need funding as soon as possible providers of fast personal loans can be of huge help.

Where Even Financial Dominates

PROS A valuable network of reputable personal loan providers and loan institutions 
Even Financial BBB reviews are largely positive, and the company boasts an A+ rating
Various interest rates and loan term options 
Competitive interest rates

Where Even Financial Falls Short

CONS Sometimes you get too many offers
Although its lender network is credible and reputable, it isn’t the largest

Even Financial loans are best for people who need preapproval and funds as soon as possible.

Key features

Feature Rating
Repayment terms 5
Loan amounts 5
APR range  3
Funding time 4
Interest rates 5
Loan types 4
Monthly payment 5


Can I refinance my personal loan?

Yes. Use the Even Financial platform to find unsecured personal loans and search for new loans from online direct lenders. Then you use the funds to pay off your old personal loan.

Even Financial interest rates vary according to the lender so be sure to opt for a new loan that has a better interest rate in order to improve your financial situation and lower your monthly payment amount.

What can I use Even Financial personal loan for?

You can use your Even Financial personal loan for bad credit to fund your upcoming home improvement project, prepare for a baby on the way, or fund your studies – whatever you like. 

And, if you’re looking at Even Financial for debt consolidation, you’re in luck, because it can help you to take care of that.

Can I get a personal loan online?

Absolutely. We are living in the digital era after all. The entire application process with Even Financial is conducted online and the unsecured loans and personal loan providers it connects you to offer the same ability to apply online or via telephone.

Who is Even Financial personal loan best for?

The Even Financial rating is so high because you can use the loans secured through the platform for whatever purpose you like. It is easy to use, as the Even Financial reviews show, and particularly well suited for people who are short on time and want preapproval as soon as possible.

What is Even Financial’s BBB Rating? Is it accredited?

Yes, Even Financial is BBB accredited for quite some time now. It boasts an impressive rating of A.

Is Even Financial safe?

Yes, it is safe to use Even Financial’s services. If you’re worried about your data not being safe, don’t be because they are protected by 256-bit encryption technology.

How can I reach Even Financial customer service?

If you have any questions you can contact their customer support team via email: help@evenfinancial.com, or phone: (800) 410-1488. They will do their best to answer your inquiries in 24-48 hours.

Is Even Financial legit?

Yes, it is a legitimate company that offers loans, among other services. Read a couple of Even loans reviews, and you’ll see that it has helped many individuals to get personal loans.


I am a curiosity-driven creature searching for answers — and questions — in the digital realm. From marketing through online business creation to software tools — I am fascinated by everything that can make life easier. When not looking for meaning, yoga and good food keep me grounded.