Many or all of the companies featured here provide compensation to us. This is how we maintain our free service for consumers. Compensation, along with hours of in-depth editorial research, determines where & how companies appear below. Advertiser Disclosure

Many or all of the companies featured here provide compensation to us. This is how we maintain our free service for consumers. Advertiser Disclosure

Many or all of the companies featured here provide compensation to us. This is how we maintain our free service for consumers. Compensation, along with hours of in-depth editorial research, determines where & how companies appear below. Advertiser Disclosure

Many or all of the companies featured here provide compensation to us. This is how we maintain our free service for consumers. Advertiser Disclosure

Regardless of what you are looking to achieve financially, such as consolidating debt or making a large purchase, there are a variety of ways to go about it and find personal loans. The loan that is best for you is determined by your credit score and other associated financial details. It is critical to locate the best interest rates and conditions for the loan, savings account, credit card, or student loan refinance that you need.



Fiona is here to offer personalized loan product recommendations. We have compiled a thorough review to assist you in the personal loan process determining if it is the right choice for you when looking for a loan product, so you can make a well-informed decision.

Fiona Review

Fiona Summary

Do you require a loan or savings account but don’t know where to start? Fiona makes it simple to find a product that perfectly meets your needs. Here is a quick summary of the facts:

  • Fiona is a platform which links you with a variety of loan providers.
  • It is possible to obtain personal loans that go from $1,000 to $250,000.
  • They provide convenient payment plans ranging from 6 to 144 months.
  • To be eligible for a personal loan, you must have a minimum credit score of 600.
  • The Annual Percentage Rates start from 5.99%.
  • Fiona offers the ability to open savings accounts, utilize credit cards, and refinance student loans.

What is Fiona?

Fiona is a financial services provider that links you with current offerings from various lenders, giving you the ability to easily compare things such as interest rates and terms without having to search through multiple websites.

Fiona, based in New York City and established in 2015, is powered by Even Financial – the leading search engine for financial services. Though recently established, it allowed customers to receive over $600 million in personal loans

How does Fiona operate?

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Fiona is unique in its industry because it does not give out loans itself. Rather, it works with numerous loan and financial service companies to get you the best loan and interest rates. The entire process is customized to your individual circumstances, allowing you to evaluate the best options and compare personal loans at competitive rates without a hard credit check.

Fiona loans provides an opportunity for individuals to explore the interest rates and terms of personal loans for debt consolidation, major purchases, house renovations, or tuition. Unfortunately, it does not serve those looking for loans for business startups or tax payments. Additionally, in order to qualify for the loan, applicants must be 18 or older and a citizen of the United States.

Fiona can provide an estimate of what direct lenders may offer based on your credit score and other factors. This includes the loan rates, repayment plans, and loan amounts you would receive. Here is a summary of the possible options:

Loan amount$1,000 to $250,000
Loan term6 to 144 months
APRFrom 5.99% (as of Feb. 28, 2023)
Minimum credit score600+ FICO score
Origination feesVaries by lender

It’s important to remember that Fiona is not the loan provider, so the process of applying for a loan could be different depending on the lender that works best for you. Once you have located a loan that fits with Fiona, you will be sent to the lender’s website to explore the personal loans and fill out the application.

Eligibility requirements to complete the application

The data you will likely be asked to furnish may vary depending on the individual lender, but here is generally what you will need to provide:

  • Personal information like your name, date of birth, Social Security number, home address, and email
  • Work background, details for current job, and telephone number
  • Annual income 
  • Recurring expenses, like your monthly rent or mortgage payment

Once you submit your paperwork, you may have to go through a tough credit investigation that could lower your credit score by a few points. Nevertheless, this dip is usually only a short-term situation.

What other services does Fiona provide access to?

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Savings accounts

Fiona provides an easy-to-use platform that shows the highest Annual Percentage Yields (APY) for savings accounts, as well as information about fees and availability. Depending on the lender, APYs can reach up to 3.40%, which is significantly higher than the usual 0.35% national average interest rate, as of February 28, 2023.

This examines the contrast in the amount of money that can be gained from interest over a period of time between a savings account with a 3.40% Annual Percentage Yield (APY) compared to the national average APY. For the examples below, the interest was computed annually.

Traditional Savings Account 
0.35% (as of Feb. 28, 2023) APY
Savings Account with
3.40% (as of Feb. 28, 2023) APY
Starting balance$5,000$5,000
After one year$5,017.50$5,170
After three years$5,052.68$5,527.54
After 10 years$5,177.78$6,985.14

It is clear that a higher APY rate in your savings account will lead to a larger return in the long run. If your savings account has a 0.35% APY, then the interest you will receive after three years will be much less than if you had a 3.40% APY after only one year.

Credit cards

With Fiona, you can rapidly examine credit card options that you can be approved for and review features such as the APR, annual fee, and rewards rates. A wide range of personalized credit card offers from a variety of issuers are offered on the website, including the best cashback credit cards and the best cards without an annual fee. Additionally, there are secured cards for people with bad credit scores, so you can find a product that is achievable and suits your requirements. To start, you just have to answer a few basic questions and Fiona will give you a personalized credit card offer that is likely to be great for your finances.

If you opt for a credit card from partner lender, you will likely be asked to provide personal information such as your name, residence, email address, and yearly income. Additionally, they typically conduct a hard credit check to determine your eligibility for the card.

Student loan refinancing

Through Fiona, you can easily find the best student loan refinancing offers for your credit score and location. Simply enter the total amount of your loan, and Fiona will compare lenders and calculate an estimated monthly payment, as well as the length of time and interest rate for each offer. With partners offering both fixed and variable APR refinance loans, you’ll be able to pick the perfect loan for you with the rate and repayment terms being tailored to your credit score and other factors.

How can Fiona save borrowers time and money?

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Without the help of a site like Fiona, borrowers would need to devote a lot of time researching loan options from multiple lenders. Compiling and organizing that data can be challenging and could lead people to make a choice that is not the best for them.

Fiona, a loan comparison website, makes it simpler for individuals to borrow money by presenting all the information about various loan products in the same place. Borrowers can effectively compare different various loan offers and providers and choose the most appropriate rate for their situation. Furthermore, they can quickly filter their choices based on their creditworthiness and the amount being requested.

Fiona refrains from providing too much detail, allowing you to grasp the main points. This is a powerful tool that helps you conserve both time and money.

Fiona consumer ratings

The majority of clients are pleased with Fiona’s services. According to reviews on Consumers Advocate, Fiona was given an impressive 4.2/5 star rating based on ratings from different sections such as “Flexibility” and “Discounts and Fees” (4.0/5), as well as “Interest Rates” and “Customer Service and Reputation” (4.5/5). This means that when you’re looking for a loan, you can be sure you are going to be offered excellent credit at some of the best rates available.

Customers of Fiona who shared their experiences on Consumers Advocate were mostly pleased with the convenience of the website and how it helped them find a satisfactory deal quickly. They commented that the the loan terms and conditions were simple and transparent, as well as the customer service they received. On the other hand, some users were disappointed with the interest rates and other aspects of the loan they got.

Frequently Asked Questions

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Is Fiona a reputable company?

Fiona has been highly appraised for its Customer Service and Reputation, receiving a 4.5/5 star rating on Consumers Advocate. As of October 2019, the Consumer Financial Protection Bureau (CFPB) has not reported any issues or complaints.

Does Fiona affect your credit?

Fiona will not have any detrimental effect on your credit rating because they do not directly provide loans and only conduct a soft inquiry. If you decide to take out a loan, however, the lender will perform a hard inquiry, which could result in a temporary lower credit score. This is true no matter if you go through Fiona or the lender directly.

What is the minimum credit score to get a loan through Fiona?

Fiona does not have an established credit score demand, but there are loan options available for people with various credit report ratings. You can enter your credit score range in Fiona’s search engine, with credit scores ranging from “Excellent” to “Poor,” and it will show you the loan options you may be eligible for. You can check your credit score by visiting

Is Fiona a lender?

Rather than lending money itself, Fiona acts as a middleman between borrowers and lenders. It is not a direct lender, but serves as an online marketplace platform where customers can search for and compare various financial products from different partner lenders.

Is it secure to use Fiona?

Fiona’s website advertises that it utilizes 256-bit encryption for enhanced security, unlike other loan providers which typically use a lower level of protection for customers’ data.

Is Fiona legit?

Yes, Fiona can help you find the perfect loan for you and save you time and money by providing personalized advice and allowing you to compare rates between lending partners. If you’re not sure where to start when looking for a personal loan, Fiona will walk you through the application process. This is an optimal way to start searching for a financial product that meets your needs.

If you’ve worked with Fiona previously, please share your experience by leaving a review and giving a rating in the comments section.

Thank you for reading!

Fiona Review
  • Fiona

Fiona Summary

Fiona is a web-based resource that provides customers with the ability to find and apply for pre-approved loan options from various lenders quickly and easily. Its user-friendly site allows individuals to be approved for a personal loan in no time. Additionally, Fiona’s search engine can help customers discover competitive savings accounts with great rates and yields. Compared to the larger online loan providers, Fiona is still relatively small, yet it provides excellent deals and services for those in need of a personal loan.

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Oscar Smith is a finance and tax journalist with over 10 years of experience covering personal finance, taxes, and investing. He has contributed to a variety of publications over the years. With a passion for demystifying complex financial concepts, Oscar's goal is to help readers make informed decisions about their money.

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