TheFinastra is a matching service, not a direct lender, so there is no single minimum score cutoff on our end. Individual loan vendors in our network set their own eligibility criteria. Some vendors work with scores as low as 500, while others may require a higher score. The best way to find out is to submit a request and see which vendors respond.

Loan amounts vary by vendor and by your financial profile. Personal loan amounts commonly range from 500 to 50,000. Borrowers with lower credit scores or lower incomes may be offered smaller amounts initially. Loan amounts and terms also differ by state.

Personal loans can be used for a wide range of needs, including emergency bills, medical expenses, car repairs, home repairs, moving costs, or everyday financial gaps. Each loan vendor may have their own guidelines on approved uses.

After submitting your request, matched loan vendors may contact you within a short window. If you accept an offer and get fully approved by the vendor, funds may be deposited in as little as 72 hours, though timelines vary by vendor and state.