Personal Loans ( is a unique online loan matching platform that allows applicants to request a variety of loans ranging between $500 to $35,000. Unlike traditional loan matching services, Personal Loans supports more than just payday loan lenders. Other lenders who provide installment, bank and peer-to-peer loans are also incorporated into their structure which allows them to operate as an alternative for applicants who have had trouble in the past through traditional financing outlets.

While Personal Loans appears to be a legitimate and well-respected operation, some troubling consumer reports have gained traction on the web and are fueling further allegations of suspicious business practices allegedly being conducted as To learn more about whether Personal Loans is a reliable loan procuring service for you, we encourage you to continue reading our investigative review.

What is Personal Loans? is an online platform that allows consumers in need of obtaining loans to complete an application, where if approved, will be connected to their network of lenders and lending partners. All applicants despite credit history are encouraged to request a loan although it should be made clear that the better you fulfill the eligibility requirements disclosed later on, the more likely you are to receive loan offers. Incepted in 1999, Personal Loans has operated as an online matching network for nearly 18 years.

Personal Loans Offer & Features offers just as the domain name suggests, personal loans. These personal loans can vary depending on the lenders who approve your request along with the disclosed information submitted through the loan application process. Installment, bank and peer-to-peer loans are offered to prospective borrowers while average APRs tend to reside within a 5.99% to 34.99% margin, although each lender will require different terms and conditions.

Eligibility Requirements

  • Must be 18 years of age
  • Possess a valid checking account
  • Provide personal and financial information
  • Disclose proof of citizenship or legal status
  • Generate over $1,000 per month, after taxes
  • Disclose proof of employment or income source for past 3 months

In order to apply for a loan through Personal Loans, applicants must first meet all of the eligibility requirements above. If you do satisfactorily fulfill those requirements, you are eligible to move onward with the application process. You will then be prompted to disclose sensitive personal and financial information. Among the information that needs to be disclosed would be full name, date of birth, SSN, current and past employment information along with checking account information.

If a consumers’ request has been approved, they will be connected to the lenders who approved their request. Oftentimes these approved loan offers will come with taxing fees, terms, and conditions that must be met, which is why we urge consumers to only utilize payday loan services like Personal Loans for emergency expenditures. If the consumer accepts a lenders offer, they will be prompted to electronically sign the loan, where the money will then be sent to their desired checking account as soon as 24 hours.

Who is Behind Personal Loans? is owned and operated by Arrow Eagle LLC, which coincidentally owns other loan matching platforms such as and While no specific information regarding founders or current operators are disclosed, according to the Terms of Use policy featured at the Personal Loans site, their limited liability corporation is chartered to the laws of the Ute Indian Tribe and actively owned by only enrolled members of the Ute Indian Tribe.

Any legal claims of action that may occur with this operation are also therefore governed by the laws of the Ute Tribe of Utah. This indicates to consumers that their corporation is not overseen or regulated by the U.S. government, which could generate some serious complications if a consumer was to ever become entangled in a litigation with them.

Community Feedback

Much of the consumer feedback we found regarding Personal Loans is controversial or downright negative. Being considered as a “joke” or “scam” among the majority of users who have had experience with their platform, it becomes difficult to recommend this platform to our subscribers.

On the other hand though, we have found some positive consumer feedback at TrustPilot. According to that review page, 75% of consumers report an excellent experience which makes it difficult to weigh and completely rule Personal Loans as a prospective scam.

Personal Loans Spec Report

  • Created on November 30th, 1999
  • Operates as a loan matching service
  • Owned and operated by Arrow Hawk, LLC
  • Available to consumers despite credit history
  • Personal loans range between $500 to $35,000
  • Estimated to employ between 50 to 200 employees
  • Allegedly headquartered out of Houston, Texas, USA
  • Estimated annual revenue is valued between $1 million to $10 million

Can be Trusted?

Due to the outweighing negative consumer feedback pending against Personal Loans, we wouldn’t necessarily proclaim this service to be trustworthy. While the track record and corporate entity behind Personal Loans appears to be legitimate, consumer feedback must also be considered, which is where we leave our subscribers to decide whether they choose to utilize this loan matching network or seek other verified alternatives.

Popularity had a SimilarWeb global rank of 182,164 with a US rank of 36,904 during the time of writing this review. Ranked in the 245th spot amongst credit, loan and mortgage niches, Personal Loans receives a monthly average of over 371,000 visitors and has suffered an approximate 32.85% decrease in visitor traffic since last month. Just over 90% of the sites traffic originates from visitors within the United States while over 66% of all traffic is referral based. Review Conclusion

Personal Loans is a dynamic loan matching operation that has been in the loan connection niche for nearly 2 decades. While a considerable benefactor to this operations extensive longevity must be due to reliable and trusted services rendered in their earlier stages, it appears that even once exceptional loan service providers like Personal Loans are subject to structural decay and operational discrepancies over time.

With this in mind, we are currently not endorsing the Personal Loans platform but if you still wish to check out their platform and pursue at your own risk, you are more than able to do so. Just bare in mind that personal and payday loans should only be considered under absolutely necessity.


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