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GuideToLenders Review

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BestMoney Staff
Bestmoney Staff
Jun. 18, 20214 min read

GuidetoLenders summary

Founded in 2005, GuideToLenders is dedicated to helping customers find the right financing solution. While it does not originate loans, it has helped customers access over $16 billion in funds since its establishment, all free of charge. It provides a simple application that connects you to a broad network of well-respected lenders while letting you find the right match for you.

GuidetoLenders GuidetoLenders View Rates

Suitable For?

GuideToLenders is ideal is ideal if you’re looking to finance projects that require quick funds to be repaid later. It doesn’t limit the purpose of loans you can apply for and it's a great option if you prefer to evaluate your options carefully before getting a loan. GuideToLenders works with a community of established loan providers, and the simple application is a great way to shop around without having to visit every single lender individually.

Loan Features

While GuideToLenders is not directly a lender, its loan partners work with borrowers with a wide range of credit scores and qualifications. If you are working to improve your creditworthiness you can find a loan even when other providers may turn you down. GuideToLenders doesn’t charge fees for services, letting you complete your loan application without an obligation to accept any terms offered by its partners. It also offers a host of educational resources including articles and guides on personal loans, the basics of financing and budgets.

Highlights for GuideToLenders

  • An extensive network of reliable loan providers
  • Good range of loan amounts and terms available
  • No charges for applying or finding a loan
  • Single application for preapproval and matching
  • Compare different offers in a single location
  • Strong educational resources for prospective borrowers
  • Borrowers with all credit backgrounds welcome to apply
  • Flexible loan purposes

The Application Process

Applying for a loan with GuideToLenders is a streamlined process. To get started, you fill out a single form to receive pre approval. This initial step asks for basic information including contact details, financial history, and specifics relating to employment. You’ll be asked to provide:

  • Employment status
  • Annual income
  • Date of birth
  • Contact information such as phone number and email
  • Zip code and basic geographic information

In order to qualify you need to meet the following requirements:

  • Be a US citizen or legal permanent resident
  • Be 18 years or older
  • Have a verifiable bank account
  • Have a steady source of income

Additionally, you may be required to present more information and meet further qualifications by the loan provider you eventually choose to work with.

Once the application process is complete, you’ll be matched with several potential lenders to effectively compare your options side-by-side. When you agree to terms with a provider, you’ll complete the application process directly with the selected lender. It is important to note that at this step GuideToLenders will no longer be involved in the approval process as it only works to connect lenders to prospective borrowers.

Loan Terms

Unlike many direct lenders, GuideToLenders gives customers choices. It does not originate its own loans, but it does have a network of reliable lenders who specialize in a variety of fields, from medical loans to auto repair. Thanks to this strong network, you can find a loan that is tailored to your needs while benefiting from competitive rates due to the number of available alternatives. When you receive approval through GuideToLenders, you are immediately matched with several prospective lenders who will extend potential offers. 

Some of the higher loan amounts offered are only available to customers with excellent credit, but the company’s partners offer a wide enough range that any borrower can find a useful loan with little trouble.

Repayment Terms

You can choose from a substantial range of available loan terms and amounts with GuideToLenders’ partners. The lender network offers loan terms that start as low as 24 months and go up to 84 months. Additionally, you can request as little as $1,000 or as much as $40,000. It is important to note that not all lenders in the network offer the same terms, and that loan specifics are always determined by the loan provider once you’ve accepted a term sheet.  

Privacy & Security

GuideToLenders is very transparent about what personal data it collects and what it’s used for. Furthermore, it doesn’t share information with any unauthorized third parties outside of its service partners. It does collect some non-identifiable information to improve services, but all information transmitted to the online site is secured using industry-standard safety measures and encryption protocols.

Help & Support

Getting in touch with GuideToLenders is as simple as filling out an email ticket on the website. There is no option to call or live chat, but email queries are usually answered in as little as one business day.

Pros and Cons

There are some areas where GuideToLenders could improve its service:

  • The website is challenging to navigate at times
  • There is a lack of representative information on interest rates and terms from all the partners in the network 
  • Customer service is lacking a live chat or phone option

Even with a few minor drawbacks, GuideToLenders has plenty of advantages:

  • It offers an outstanding range of loan terms and amounts 
  • The extensive lenders’ network offers financing for customers with a wide range of creditworthiness
  • The educational resources provide a helpful starting point if you need more information about the lending process 

Summary

GuideToLenders offers an excellent variety of loan options through its network of lenders with great terms and amounts. You can find the right loan for your needs after comparing available options instead of having to settle on a loan that doesn’t work for you. Thanks to a marketplace that encourages competition and gives you the upper hand in closing loan terms, GuideToLenders offers an outstanding free service with transparent and reliable results.

Physical Address

GuideToLenders

950 Tower Lane, 6th floor

Foster City, CA

94404

GuidetoLenders GuidetoLenders View Rates

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.

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Trustpilot reviews

See what some costumers are saying about GuidetoLenders
GuidetoLenders
GreatReviews 50
on
Excellent
76%
Great
14%
Average
0%
Poor
0%
Bad
10%
  • author
    Ryan
    Mar 30, 2021
    I was able to find a lender to help me…

    I was able to find a lender to help me consolidate my debt. I really appreciate it.

    ...

  • author
    Earnest
    Mar 30, 2021
    Happy happy able to get work done on…

    Happy happy able to get work done on the house and pay down bolls

    ...

  • author
    kellie fitzgerald
    Mar 22, 2021
    First off nothing went as promised

    First off nothing went as promised, I was assured checking lenders would not have any impact on my credit, yet it did. Actually three lenders did a hard pull of my credit file causing my score to drop significantly. Of those three I did finally get approved by one of those lenders but at a very different rate and time to close than promised. I would never tell anyone to use this service. Just go online and do some research yourself.

    ...

  • author
    Nelson
    Mar 17, 2021
    Truly helped me at a time that it was…

    Truly helped me at a time that it was needed. They did not try to hit me with a 300% interest rate either. Plan to grow my creditworthiness with this company. Thanks

    ...

  • author
    Aileen
    Mar 17, 2021
    I’m been having a lot of trouble…

    I’m been having a lot of trouble financially lately and needed help and upgrade has helped me so much!!! Words can’t describe how thankful I am for their help!!! Thank you so very much!!!

    ...

  • author
    Cindy
    Feb 17, 2021
    No good outcome

    Didn’t hear back from anyone.

    ...

  • author
    Andrea Englert
    Feb 05, 2021
    Awesome help

    Awesome help! Thank you!!

    ...

  • author
    Tom
    Jan 19, 2021
    Recieved multiple offers quickly and…

    Recieved multiple offers quickly and found the perfect fit for me. Get a lot of emails and calls but that is the whole point if you want to find the right one. I highly recommend.

    ...

  • author
    Miguel
    Jan 19, 2021
    Thank you for your help

    Thank you for your help. Your referral was fast and they helped me fast. I applied and within 3 days had the funds in my account and some of my credit cards paid. Thank you

    ...

  • author
    Oceangrl
    Jan 12, 2021
    I was able to locate a local and…

    I was able to locate a local and reliable lender who was able to offer me a loan with reasonable payments very quickly. I had the funds I needed within 72. hours. The lender had a high BBB rating as well as high customer satisfcation rating. Thank you for the invaluable assistance.

    ...

  • author
    Pete Lehotan
    Dec 27, 2020
    I got a lot of BS offers that placed me…

    I got a lot of BS offers that placed me into a never ending queue of loan applications to entities that were not even lenders.

    ...

  • author
    Mohoganie
    Dec 01, 2020
    A Better Guide to Lending Services

    I wanted to get my finances in order and thought that consolidating my credit card debt would be the best way to start. I used "Guidetolenders" and they sent me a list of lending companies. I especially liked searching for lenders this way because it saved me a lot of time. I did not have to search lenders on my own (very time consuming). Utilizing "Guidetolenders" was an easy and convenient way to provide me with the service(s) that I needed. I was introduced to a lender that satisfied all my needs. Now I am on my way to paying off my credit card debt (in 5 years)!!!!!!! Whooohooo!!!!

    ...

  • author
    Wisdom
    Nov 03, 2020
    Guidance to immediate lender with…

    Guidance to immediate lender with approval within 24 hours. Much appreciation. Enjoy your day!

    ...

  • author
    Charles Arterbury
    Sep 29, 2020
    I had a lot of lenders contact me,but…

    I had a lot of lenders contact me,but of course u can’t get the best rate b/c of the inquiries to your credit,but I did choose 1 & received what I need it,& I had to tell a lot of leaders I already received funds!

    ...

  • author
    Tim McElfresh
    Sep 18, 2020
    Acceptance of Application

    I was skeptical at first about how easy it was too apply for the loan- but with in a matter of minutes I was accepted and got exactly what I needed- the untire process was very easy and hassle free- thank you again-

    ...

  • author
    Kay Collins
    Sep 03, 2020
    Got a loan high interest but we have…

    Got a loan high interest but we have bad credit

    ...

  • author
    Johnnie
    Aug 23, 2020
    The loan process was easy and…

    The loan process was easy and quick....I was approved instantly and when I went in to finalize the papers my loan officer and take the time to explain everything and offer me the extra insurance is that came with it and my overall experience was real good

    ...

  • author
    Sean
    Aug 22, 2020
    The customer service was great with…

    The customer service was great with helping me understand my situation and how to get out of it.

    ...

  • author
    Gamaliel
    Aug 08, 2020
    I have been trying to get a loan for a…

    I have been trying to get a loan for a long time and no luck at all, but thankfully for OneMain I got the loan i need it. Great service and professional 👍🏻👍🏻. Thank you OneMain for the opportunity to better my credit.

    ...

  • author
    Madison
    Aug 06, 2020
    I was looking for a small loan to pay…my upcoming medical bills

    I was looking for a small loan to pay some bills during these hard times caused by the pandemic and these fine folks got me connected with OneMain Financial and the whole process was completed very quickly, I had the money i needed in my account. Thank you for the help!!

    ...

  • author
    Juan
    Jul 29, 2020
    Trust pilot got me a lender in just a minute

    My credit barely picking up, I applied thinking that I wasn’t gonna get approved for a $1000 loan and it turned out I got approved for $3500 in just minutes. Trust pilot got me to the right lender in less than a minute.

    ...

  • author
    Michael
    Jul 23, 2020
    Excellent!

    Excellent! The best ever in my opinion.

    ...

  • author
    Jim Swatos
    Jan 19, 2020
    Shady Company

    Somehow, this site is full of identity thieves. Got 4 email right in a row saying you have applied for credit, Um, no I have not I'm still in bed. So now my credit report got shot and I had to sign up for LifeLock. Thanks to the shady people operating this site.

    ...

  • author
    Thomas
    May 30, 2019
    Requested a personal loan through their…

    Requested a personal loan through their website and got pushed to debt relief both through 7 calls from Accredited Debt Relief, who I guess they sold my info to and from GuideToLenders themselves. Crazy since I have over a 750 credit score and got offered decent rates. Guess they make more money if I'm willing to trash my credit score and go into bankruptcy. Very disappointing experience.

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  • author
    Ivy
    Apr 30, 2019
    Thanks for helping me find the perfect…

    Thanks for helping me find the perfect match for me. I was approved within days, and received my loan shortly after.

    ...

  • author
    Brian
    Apr 29, 2019
    It was easy to find a great rate

    It was easy to find a great rate

    ...

  • author
    Jose
    Apr 29, 2019
    Todo fue muy rápido y estoy plenamente…

    Todo fue muy rápido y estoy plenamente agradecido y que Dios les bendiga grandemente

    ...

  • author
    Phillip
    Apr 29, 2019
    Early thing went as well as possible…

    Early thing went as well as possible thank you for your service

    ...

  • author
    CINDY
    Apr 29, 2019
    Was able to get the help I needed

    Was able to get the help I needed, quick and honest. Very happy. Thank you.

    ...

  • author
    Shawn
    Mar 15, 2019
    Great site worked well set up with best…

    Great site worked well set up with best loans

    ...

  • author
    Carl
    Mar 08, 2019
    great helped me find new cards

    great helped me find new cards. that will help me with my credit score

    ...

  • author
    John
    Mar 07, 2019
    Was quick and on point thank you

    Was quick and on point thank you

    ...

  • author
    Kevin R
    Mar 06, 2019
    Great results.

    Great results.

    ...

  • author
    tommy
    Feb 16, 2019
    thank you so very much for the quick…

    thank you so very much for the quick response got the hook up with in three days thank you

    ...

  • author
    Sherie
    Feb 12, 2019
    Easy process

    Easy process. Very happy with results

    ...

  • author
    Salvatore
    Feb 07, 2019
    I will be always grateful

    I will be always grateful, they were the only one to give me a chance despite my only 13 month credit history. They called me immediately for some additional questions and told me that i would have received an answer within few hours and they kept their word. At the phone they were very kind and made me feel at ease. I would highly recommend them to everyone, especially people in my situation that are new in the Country and are doing everything by the books to try to establish a credit history. Thank you

    ...

  • author
    Wallace
    Feb 06, 2019
    They were upfront and didn't pressure

    They were upfront and didn't pressure

    ...

  • author
    Laylee
    Feb 01, 2019
    Satisfied Customer

    I received fast, honest offers and was able to make a decision based on the information provided.

    ...

  • author
    Becky
    Jan 31, 2019
    Best rate

    Got me a better rate than I had found anywhere else :)

    ...

  • author
    Eric
    Jan 31, 2019
    Easy process

    The process was quick, easy and painless. The interest rate is competitive with credit card rates.

    ...

  • author
    SandySea
    Jan 31, 2019
    GuidetoLenders experience

    I put my information in the templates & received a list of lenders with rates & loan amounts almost instantly. I researched the ones I thought would serve me best, then chose the one I used. Very easy, clear & concise.

    ...

  • author
    paul
    Jan 31, 2019
    happy camper

    I would recommend this company to anyone. IT was quick and easy, they answer all of my question. I receive my loan within a few days.

    ...

  • author
    Gracie
    Jan 31, 2019
    fast and easy

    I’m glad that they make it easy and fast for any loans. Thank you.

    ...

  • author
    Richard
    Jan 31, 2019
    You made finding lenders very easy.

    You made finding lenders very easy.

    ...

  • author
    Rachel Walker
    Jan 30, 2019
    Better than my Credit Union

    I was able to find a company to finance my personal loan with a lower interest rate and finance charge than my own credit union :) :)

    ...

  • author
    Jose
    Jan 30, 2019
    very good experience

    very good experience

    ...

  • author
    Shaun
    Jan 30, 2019
    Great group of lenders available

    Great group of lenders available. I searched through and found a good offer. Better than Lending Tree

    ...

  • author
    Carla
    Jan 30, 2019
    found a great lender and had money in a…

    found a great lender and had money in a few days.

    ...

  • author
    Scott
    Jan 30, 2019
    The process was simple and quick.

    The process was simple and quick.

    ...

  • author
    michael
    Jan 30, 2019
    THANKS IT WAS VERY EASY AND FAST.

    THANKS IT WAS VERY EASY AND FAST.

    ...

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