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5KFUNDS Review

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Reviews 7

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BestMoney Staff
Bestmoney Staff
Jun. 18, 20214 min read

5KFUNDS summary

5Kfunds connects people seeking loans to its network of reliable lenders. It offers an effortless way to fund life projects, vacations, and other expenses in an affordable, quick way, avoiding complications and red tape. With a simple online pre-qualify form, 5Kfunds gives the leverage back to consumers as lenders compete for their business in a modern marketplace.


  • Reputable lenders, variety of loan alternatives
  • The application process is quick and straightforward
  • US-based customer support


  • Not many educational resources
  • Little information about lending partners on the website
  • No live chat


Suitable For?

With a lightning-fast application and the ability to get funds delivered directly to a bank account, 5Kfunds is an ideal solution for anyone looking for an efficient and affordable way to finance life projects, expenses, or other spending. Its partners offer competitive interest rates and a good variety of repayment terms, giving borrowers the opportunity to compare options before making a choice. 5Kfunds’ simple application will also match you with the loan providers that are most likely to grant approval. Thanks to an extensive network of reputable lenders, you can get even better value as lenders compete for your business. Moreover, 5Kfunds doesn’t put any limits on how you use your loan, making it ideal if you want the freedom to pick the right loan for your specific needs.

Loan Feature

5Kfunds is not directly a lender, but it still provides customers with a wide range of options for personal loans. The company’s network of lenders offer a solid range of loan amounts, alongside great interest rates and flexible loan terms. Should any questions arise during the process, 5Kfunds’ US-based customer support is on hand to help answer any questions. 5Kfunds also stands out for its simple application, which takes only a few minutes before matching you to several lenders with options that match your needs and financial circumstances. Here are some of the highlights for 5Kfunds:

  • Straightforward application
  • Network of 100 reputable loan providers
  • Up to $35,000 in loans available for as long as 72-month terms
  • Competitive interest rates
  • US-based customer support
  • Match instantly to a lender
  • Reach customer support via email or telephone
  • Commitment to protecting customers’ information

The Application Process

Getting started with 5Kfunds only takes a few minutes. The initial application process takes you through several pages and collects basic information, including personal details and some banking records. Once complete, the company instantly matches you to the available lenders based on financial circumstances. It is important to remember that 5Kfunds’ application only prequalifies candidates, but official terms and conditions for the loan are negotiated directly with the lender you are matched with. A positive feature of this process is that 5Kfunds does not require a credit check to get started, though a lender might require it for final loan approval. From start to finish, the application process takes under 10 minutes, and funds can be approved shortly thereafter once you agree on terms with your chosen loan provider.

Loan Terms - The Bare Basics

With a network of 100 reliable loan providers, 5KFunds can help borrowers find a wide variety of alternatives at competitive rates. The application process is extremely intuitive, taking less than 10 minutes before capably matching you to several potential lenders. Once matched, the page that displays the possible choices is incredibly useful and easy to use.

The initial application does not require a credit check, and 5Kfunds is partnered with lenders that offer loans to borrowers with a wide range of credit scores. Before approval, some loan providers may require a credit check further into the application process.

5KFunds’s lender network offers loans up to $35,000, with APRs between 5.99% - 35.99%. Furthermore, the company can help match you with incredible precision to a lender that fits your credit qualifications.

You don’t need to submit any paperwork during your application, and even when you reach an agreement with your loan provider, all documents can be signed electronically. In addition, it is also worth noting that 5Kfunds’ services are completely free. The company does not charge customers to apply or match with a lender. The company does collect a small fee after you are matched, but we found it remained objective and continued to connect customers to available lenders.

Repayment Terms

One of the areas where 5Kfunds stands out in particular is the repayment terms available from its network of lenders. The company’s partners offer loans from less than $1,000 up to $35,000. For most of the loans, you can choose terms between 2 and 72 months. These terms offer tremendous flexibility when combined with the rates offered, and allow customers to find terms that are tailored to their individual circumstances. It is important to keep in mind that the rates quoted by 5Kfunds’ websites are representative, and individual lenders may offer slightly different terms when you reach the negotiation stage. 

Privacy & Security

5Kfunds places a serious emphasis on customers’ information security. It uses industry standard protections and secure servers to protect all valuable personal details. Additionally, all data is encrypted using bank-level security protocols. With a very thorough privacy policy, it is transparent about the information it collects, as well as how it’s used. 5Kfunds does not share your information without your consent, although it does distribute some details to partners and service providers. We were happy with the level of seriousness 5Kfunds dedicates to information security.

Help & Support

One of the features of 5Kfunds is its supportive customer service. The company offers US-based support that can be reached by both telephone and email. The phone line is available during business hours on weekdays, while the email channel is open 24/7. When we called, we did not wait long before representatives answered our questions promptly and effectively. Via email, we found that the company usually replies in a short time with professional and knowledgeable responses. Apart from dialogue with representatives, the company’s website also features an informative FAQ section to help tackle lending basics.


Access to a wide network of reliable loan providers means 5Kfunds is able to give customers a high degree of choice when it comes to personal borrowing. With a simple application process that effectively matches you immediately with a range of lenders, 5Kfunds delivers an easy way to compare different borrowing options as providers compete to give you a loan. While it could offer a slightly higher range of loan amounts, the company’s combination of terms and interest rates make for an excellent blend of convenience and flexibility. Individuals looking for a quick and efficient way to access funds while reviewing all their choices will appreciate 5Kfunds effective solution for comparing available borrowing options.

Physical Address

5Kfunds Corp.

11041 S Eastern Ave

Henderson, NV



BestMoney Staff
Written byBestmoney Staff

Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.

AverageReviews 7
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See what some costumers are saying about 5KFUNDS
AverageReviews 7
  • author
    Nick Agnone
    May 02, 2022
    Super disappointing

    I've had the misfortune of having to deal with the imbeciles at Navient for over 8 years. The combination of poorly trained "customer service experts" with extremely sloppy record-keeping leaves you with the sensation of wanting to pull your own hair out with every email and phone call. I moved out of my parents house over 10 years ago and they continue to receive "urgent" mail that is directed to me. I have made this correction about a half-dozen times. When I reach out to customer service and finally reach an actual live person (30 minute wait), the representative seems more lost by my questions than I am. Super disappointing.


  • author
    D Garcia
    Mar 21, 2022
    Navient is a private entity who is…

    Navient is a private entity who is making money at the expense of struggling middle class. Horrible greedy company. And because they are a private entity one cannot ask for loan forgiveness via the federal government


  • author
    Aaron Osborne
    Mar 29, 2021
    Navient sucks.

    The only thing they've done successfully is take my money. Anything out of the ordinary occurs and you're going to be in for more stress than necessary. They have made it clear that their employees cannot be trusted to deliver on promises. Absolutely worthless company who is profiting off people trying to better themselves.


  • author
    Alex Medrano
    Feb 23, 2021
    The worst

    The worst! They call non stop.


  • author
    May 19, 2020
    I was paying this student loan…

    I was paying this student loan consistently at 50 dollars, then increased it to 100 dollars FOR YEARS,then I noticed the balance never changed. I stopped because of hardship. I paid one time 500 dollars same thing the balanced never changed. I stopped due to frustration and I found out my balance of 5K, they splitted it 5 times that I owe 1K, IK,1K,1K,1K. They reported me delinquent 5 different times and 5 ways you could imagine to destroy your credit. NAVIENT YOU ARE SO BAD,FOR DOING THAT!!! THANK GOD there is STUDENT LOAN FORGIVENESS...


  • author
    Feb 24, 2020

    Always so helpful, always quick and very professional kind customer service.


  • author
    Hillary Leben
    Nov 13, 2019
    Navient owns my student loans and they…

    Navient owns my student loans and they have been fine. They’ve been helpful during times when I couldn’t make payments.


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