GuideToLenders Review

ByBestmoney StaffJan. 19, 2021
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In a Nutshell

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 at a Glance

Loan types Unsecured personal loans
Loan amount $1,000 to $40,000
Repayment Terms 24 to 84 months
APR 4.99% - 35.99%
Minimum credit score  600
Suitable for Customers seeking to compare various loan offers

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 


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


950 Tower Lane, 6th floor

Foster City, CA


GuidetoLenders GuidetoLenders View Rates

GuidetoLenders customer testimonials

GreatReviews 45
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  • author
    Andrea Englert
    Feb 05, 2021
    Awesome help

    Awesome help! Thank you!!


  • author
    Feb 17, 2021
    No good outcome

    Didn’t hear back from anyone.


  • author
    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
    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
    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.