Financer.com review

Rates on Financer.com run 5.99% to 35.99%, a wide spread that mostly reflects the credit file behind the application. The median across the site is 15.5%, so the cheaper end generally needs a stronger history. Terms run 3 to 72, and a longer repayment period tends to sit at the dearer end.

The listing records a soft prequalification check (soft prequal), so you can see indicative rates without a full hard search. The site is aimed at borrowers with a poor credit file (poor), which is why it leans on prequalification. Financer.com is a broker (broker), so the real application goes to the lender you pick.

Loan amounts run $250 to $35,000, from a small emergency sum up to a larger renovation budget. Eligibility asks for a minimum age and citizenship (Minimum age 18; citizenship required). Financer.com is a comparison site that brokers the offer, so the amount finally released depends on the lender you are matched with.

Funding is listed at Within 24 hours, and same day funding appears among the features of the loans shown. The speed you actually see depends on the lender you are matched with, because Financer.com is a broker (broker) and passes the application on rather than paying you.

No. The loans on the site are listed with free early repayment, so settling a balance sooner than planned carries no charge. Financer.com is a broker (broker), which means the contract sits with the lender, so read the early repayment wording on the offer before you sign anything.

Browsing, comparing and the Financial IQ test sit on the free plan with no signup, so you can start at no cost. Plus and Premium add bank connections, auto sync, expense tracking and premium tools on a monthly billing with a fee of €0.99. That charge only applies if you want the extra tools.

Help comes through email, help centre and community, which covers email, a help centre and the community. There is no phone or chat line listed, so a live application question goes by email. After a match, payment and account queries sit with the lender rather than with the comparison site.

The catalogue covers personal, payday and debt consolidation loans (personal, payday and debt consolidation), with home improvement named as the use case (home improvement). A small short term sum and a longer personal loan sit on the same pages, so one comparison serves both an emergency and a renovation, over terms of 3 to 72.