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Fiona Review

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Kevin Mercadante
Kevin Mercadante
May. 17, 20214 min read

Fiona summary

Fiona is a marketplace for lenders and borrowers that works with well-known brands in the alternative lending industry, offering real-time pre-approval options quickly. By filling in a quick and simple online application, borrowers are matched with the loan providers most likely to approve their applications, saving them time and money.


  • Single application for multiple lenders
  • No negative impact on credit score


  • Borrowers may be bombarded with offers
  • Limited number of providers

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Offering an algorithm-based marketplace for lenders and borrowers, Fiona is where borrowers of all kinds to find their lender match. Fiona works with brands in the alternative lending space and offers real-time pre-approval options from multiple lenders in mere seconds. Fiona provides a quick and simple online application that delivers a customer's top loan offers from competing loan providers. Borrowers are matched with the loan providers most likely to approve their applications, saving them time and money. Fiona is partnered with a large number of trusted lenders, such as Prosper,LendingClub, Rise, Avant, LightStream, Social Finance, and Vouch. The company has also been praised by many reputable business and news agencies, including The Wall Street Journal, the Finance Magnates, Dow Jones, and Crowdfund Insider.

Suitable For?

Fiona is most suited to borrowers with credit scores of 580 to 800, which allows for a wide range of loan amounts. Fiona provides services and multiple helpful options for clients whose credit scores are below 580. You must be at least 18 years old and a US citizen to qualify for a loan using this marketplace.

Loan Features

Fiona features loans from $1,000 to $100,000 for a wide range of purposes from a debt consolidation loan to purchasing a car. Loans made through Fiona are unsecured loans, meaning that the loan is issued and supported only by the borrower’s creditworthiness, rather than by any type of collateral. Therefore, you do not need to own a home or other property to be eligible for a loan through Fiona.

  • Loans from $1,000 to $100,000
  • Loans for a wide range of purposes
  • Loans are unsecured — you do not need to own a home or property to qualify
  • Creditworthiness is the only criteria used in determining loan eligibility

Application Process

To qualify for a loan with Fiona, you will need to be 18 years of age and a US citizen. The simple application form asks for your date of birth, social security number, how much you want to borrow and for what purpose, your employment status, credit score, homeowner status, and annual income. Fiona will then search, compare and recommend personal loan offers and can match with top providers without doing a hard pull on your credit You’ll start receiving pre-approved loan offers and static loan rates within a few minutes. You can compare them using Fiona’s algorithm to calculate your estimated monthly repayments for each option. When you’ve decided which offer to accept, you’ll visit the lender’s website directly, where you’ll be asked some more questions and go through a hard credit check before receiving a final loan offer.

Loan Terms

Fiona is not a direct lender, but rather a lending marketplace. It uses proprietary technology and its relationships with dozens of trusted lenders to find the right option for you. Therefore, Fiona does not determine APRs. By working with the top lenders in the business, Fiona provides a wide range of loan terms for every borrowing need. Borrowers with a credit score as low as 580 can qualify for a loan. Offers are based on factors such as your credit history, current employment status, credit score, and present economic trends. Fiona offers loan amounts between $1,000 and $100,000, which puts it ahead of other lending marketplaces such as LendingTree.

  • Top lenders competing for your business
  • Loans offered for credit scores as low as 580
  • Loans from $1,000 - $100,000

Repayment Terms

Since Fiona is not a lender, it does not determine repayment lengths or APR rates. This is done by the financial institution that will be issuing your loan. Fiona’s trusted lenders offer APR rates as low as 3.84% and repayment terms may extend as much as 84 months. Compare the rates that are given to you by each lender to determine which offer is the right one for you.

Privacy & Security

Fiona uses industry-standard technology for encryption to ensure that all personal and financial information remains safe when you submit your application. Fiona does send information to third parties that you aren't able to vet beforehand, as with any matching service. However, it does not sell your personal data to other companies, and only partners with companies that are considered to be trusted, legitimate lenders.

Fiona also has a Programmatic Compliance tool that helps to semi-automate the process of staying within boundaries. This tool parses blog, web, or app pages where a client’s ad for a financial product will appear. It also parses the surrounding text on the page to detect any issues that could pose any problems with federal or state regulations. If the tool finds or suspects a violation, the ad placement is scratched, and an Fiona staff member takes a look and renders a judgment.

Fiona has been Better Business Bureau (BBB)-accredited since 2015 and has an A- rating on the BBB website.

Help & Support

To complement its support efforts, Fiona provides a noteworthy blog and FAQ section. Jointly, these assets provide a wealth of information for browsers looking to educate themselves in the field of personal finance.


Fiona is a safe, secure way to obtain multiple loan offers. With a speedy approval process and unsecured loans that can be used for any purpose, it is an ideal option for customers who demand financing options and want to access them quickly.


Does Fiona charge any fees?

Fiona does not charge any fees and there is no cost to submit a loan request. The actual loan rate depends on the loan amount and term requested, as well as your credit score, usage, and history.

What happens if I'm offered a loan?

If you are offered a loan, you will have the opportunity to review the final offer made by lender or lending partner, and to accept the loan agreement made directly between you and the lender or lending partner. The lenders and lending partners that Fiona works work with may charge an origination fee for facilitating the loan to you. For example, on a $10,000 loan with a 5% origination fee, you will incur a $500 origination fee and receive $9,500 upon successful issuance of your loan.

What can I use my loan for?

Fiona doesn’t enforce any specific requirements for how you use your loan, which means you can use it for anything from debt consolidation loans to home improvements as well as medical expenses and covering any large purchase.

Is Fiona safe?

Fiona has a good reputation for being a safe and secure loan provider due to the fact that is uses industry-standard technology to ensure that all your personal and financial information is safe after you submit your application.

Physical Address

Fiona, Inc.

45 West 21st Street Floor 5

New York, NY 10010


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Kevin Mercadante
Written byKevin Mercadante

Kevin Mercadante is a freelance professional personal finance blogger, and the owner of his own personal finance blog, He has extensive backgrounds in both accounting and the mortgage industry. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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Trustpilot reviews

See what some costumers are saying about Fiona
GreatReviews 3
  • author
    Christina Yang
    Jan 24, 2020
    Good for Comparison!

    Helped me compare rates across multiple different lenders. It was clear & helpful so I didn’t have to go to separate sites.


  • author
    D. Brittany
    Jan 24, 2020
    Makes it easy to compare and find the…

    Makes it easy to compare and find the best financial products for me


  • author
    Justin C.
    Oct 27, 2019

    SCAM TO GET YOUR EMAIL ADDRESS! sells/shares your email address with hundreds of questionable finance companies. Since I applied on their site, I have received more than 200 emails in the last 3 days from an assortment of scam companies. My email account is now ridden with spam.


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