Guide to Lenders Personal Loans Review

Rating: 9.2 / 10 (Excellent)
Disclosure: We receive advertising revenue from this partner. 
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Guide to Lenders is an online lending marketplace that makes getting a personal loan easier and cheaper by providing an online application portal and partnering with investors (lenders) to find the best rates. Applicants of all credit score levels are be able to look through numerous offers based on their credit after filling in a simple form.

How is Guide to Lenders rated?


Loan Specifics
Cost of Loan
Lender Reputation

Overall Rating: 9.2 / 10 (Excellent)

Guide to Lenders is an excellent choice for personal loans. Its peer-to-peer marketplace setup makes it ideal for personal loan shoppers searching for lower interest rates. Multiple investors or lenders compete for your business which in turn forces them to offer better rates. High loan limits make it possible for lenders to maximize the value of their loans. The money you receive can be used for debt consolidation, home improvement, education, or even for buying a car. The ability to choose from competing personal loan providers coupled with higher loan limits makes Guide to Lenders one of our top choices for personal loan services.

Guide to Lenders Loan Specifics

Loan Specifics - 9 / 10

Guide to Lenders does not offer loans themselves. Instead, they advertise short-term personal loans from direct lenders for as much as $40,000, and as little as $1,000 for those with poor credit scores. The way it works is prospective borrowers are categorized according to their credit scores. Those with excellent credit scores (720+) are eligible for the maximum loanable amount of $40,000, and are also the best candidates for the lowest interest rates. Applying for a loan takes as little as a few minutes. If you quality, you can get loan proposals, choose the best personal loan offer, and then get the money by the following banking day. Guide to Lenders fast tracks your personal loan application and lets you enjoy the most competitive interest rates.

Loan Uses

Debt/Credit Card Consolidation
Buy Home
Major Purchase
Home Improvement
Medical Expenses
Start Business
Loan Minimum
Loan Maximum
Term Length
61 days to 180 months

Representative Loan Sample

Example: assuming a loan of $10,000 over 60 months at a fixed rate of 3.1% per annum and fees of $60.00. This would result in a representative rate of 3.3% APR, with monthly repayments of $180.80, for a total amount paid of $10,848.00.

Guide to Lenders Qualification

Qualification - 10 / 10

Guide to Lenders requires applicants to be U.S. citizens and takes their personal income into account when looking up loan offers. Because they do not extend loan offers themselves, any other requirement or limitations to applying for a loan depend on the independent lender a customer chooses.
Personal Income Considered
U.S. Citizen
Hard Credit Pull

Guide to Lenders Cost of Loan

Cost of Loan - 9.5 / 10

Guide to Lenders features loan offers from direct lenders in the 4.99 to 35.99% range. The kind of fees or penalties they may have to pay will vary form lender to lender, since Guide to Lenders only facilitates communication between both parties (lender and borrower).
APR Range
4.99 to 35.99%

Guide to Lenders Reputation

Lender Reputation - 8.5 / 10

Guide to Lenders was founded in 2005, and is not accredited with the BBB. Although their rating there is an F, this is only the result of 2 customer complaints not being answered: one without any explanation whatsoever, and the other a customer who got confused while looking for another page. Their Trustpilot score is an average 6.4.
Type of Lender
Peer to Peer
Year Founded
BBB Rating
Number of BBB Positive Reviews
Number of BBB Negative Reviews
Trust Pilot Rating
6.4 out of 10
Consumer Financial Protection Board (CFPB) Complaints
Date Collected

Company Profile

Full Name
Guide to Lenders Personal Loans
Company Website
950 Tower Lane, 6th Floor, Foster City, CA, 94404

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Customer Comments & Reviews

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Bryan Z
Rochester, New York
I’m having a similar experience to Gary. Has anyone actually received a loan through these people?

A very bad choice...I was told there would not be Any up front cost..I paid interstate tax fee, insurance,doc fees and still have not received my lawyer will be in touch with them soon...

Lydia P
Anaheim, California
Run around

Top Rated
Our Partner
9.9 / 10
  • Loans for Debt Consolidation, Homes, Business, Cars, Vacations, Weddings, Medical Expenses & more
  • Get $1,000 - $35,000 in as little as 24 hours!
  • Unsecured Personal Loans
  • Rates from 5.99% - 35.99% APR
  • Loan terms of 3 mo -15 years
  • Compare up to 5 free offers with no obligation. 
  • When banks compete, you win!