What Personal-Loan.com does

Personal-Loan.com inc is a privately held US loan-matching marketplace incorporated in Illinois and headquartered in Chicago. The company operates a single self-serve web platform where consumers complete one application form and are matched with offers from a network of third-party lenders covering personal, bad-credit, payday, cash-advance, auto, student, debt-consolidation, mortgage-refinance, and fast-cash loans ranging from a few hundred dollars up to $35,000. The matching engine is described as a rules-based pre-qualification flow that screens primarily on employment and monthly income rather than credit scores, targeting borrowers who have been declined by traditional banks.

The technology stack is a lightweight web application with no disclosed mobile apps, public APIs, or third-party integrations. The platform's primary commercial feature is an instant pre-qualification engine that returns multiple lender offers in under three minutes, with most lenders funding the next business day. Marketing is executed through an SEO-driven content library covering credit scores and loan topics, supplemented by Facebook, Twitter, and YouTube channels.

The business model is pure affiliate lead generation: the service is free to consumers, and revenue is generated by sharing borrower request data with third-party lenders who pay referral fees or commissions for qualified leads. The company discloses no revenue, no headcount, no funding history, and no management team, and claims the largest network of personal loan lenders among competitors without naming them.

Name

Personal-Loan.com

Legal name

Personal-Loan.com inc

Website

https://personal-loan.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Personal-Loan.com is a US loan-matching marketplace that connects consumers, primarily those with bad credit, with a network of third-party lenders via a single online application, earning revenue through lender referral fees.

Ownership category

akta.pro rank

Product category

Consumer Lending Marketplace

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Consumer Lending (522291), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163), Personal Credit Institutions (6141)

akta.pro primary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

akta.pro secondary industries

Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH), Debt Consolidation Personal Loans (Unsecured Installment) (FSAKAAAD), Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)

Keywords

• Personal loan matching
• Bad credit lending
• Debt consolidation loans
• Online lending marketplace
• Payday loan referral

Headquarters

HQ city

Chicago

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Marketing or Sales, Technology or R&D, Operations, Personnel

Revenue model

1. Lender Referral Fees/Commission: The company provides its loan matching platform free of charge to consumers. Revenue is generated by sharing customer loan request information with third-party lenders in their network, who then pay referral fees or commissions for qualified leads.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Personal-Loan.com is an online loan marketplace that matches individual borrowers with third-party lenders across multiple consumer credit categories. The site offers browsing and application entry points for personal loans, bad credit loans, payday loans, cash advances, car loans, student loans, debt consolidation loans, and mortgage refinance, and surfaces credit repair guidance as an educational resource. Consumers complete a single online form and are routed to participating lenders for offers and funding.

Product overview

Personal-Loan.com is a loan matching and aggregation platform that connects borrowers with a network of lenders offering various loan products. The platform operates as a comparison and pre-qualification service where users complete a single application and receive multiple loan offers. The core product is personal loans, supplemented by specialized offerings including bad credit loans, payday loans, cash advances, car loans, student loans, debt consolidation loans, mortgage refinance options, and credit repair guidance. The platform primarily serves consumers with fair to poor credit who may not qualify for traditional bank financing.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Loans

Quantifiable outcome

• Approval in under 3 minutes
• +2 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Third-Party Lender NetworkcoreChannel Partner/ Reseller/ DistributorThe company operates with a network of third-party lenders who provide loan products to matched consumers. Information submitted through the loan request form is shared with these lenders to generate loan offers. The company states lenders have been 'handpicked' to ensure competitive rates, though no specific lender names are disclosed.

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• Credible: Credible is a multi-lender online marketplace that lets borrowers compare personal loans, student loans, mortgages, and student loan refinancing from a single form. It directly competes with Personal-Loan.com in the personal loan and consolidation comparison category.
• LendingTree: LendingTree operates the largest US online loan marketplace, connecting consumers with multiple lenders across personal loans, debt consolidation, mortgages, and auto. It is the most direct functional and business-model peer to Personal-Loan.com's matching platform.
• Fiona: Fiona (formerly part of Even Financial) is an online marketplace that aggregates personal loan, auto, and credit card offers from multiple lenders through a single application. Its model, revenue from lender referrals, and target borrower closely match Personal-Loan.com.
• MoneyMutual: MoneyMutual operates a lead-generation marketplace specifically for subprime, payday, and short-term installment lenders, sharing borrower information in exchange for referral fees. It targets the same bad-credit and emergency-cash borrower that Personal-Loan.com serves.
• Even Financial: Even Financial operates a financial products marketplace infrastructure that connects consumers with lenders across personal loans, cards, and insurance via APIs and embedded widgets. It is a direct competitor in multi-lender matching and referral-fee monetization.
• CashAdvance.com: CashAdvance.com is a lead-generation site focused on short-term, payday, and cash-advance products for subprime borrowers, monetizing via lender referrals. It directly competes with Personal-Loan.com's cash-advance and short-term loan segments.
• SuperMoney: SuperMoney runs an online loan comparison and lead-generation platform across personal, auto, business, and debt consolidation products. It competes head-to-head with Personal-Loan.com on multi-lender matching for consumers seeking unsecured personal loans.

Broad incumbents

• Bankrate: Bankrate (owned by Red Ventures) is an established financial comparison and content site that connects consumers to lenders across personal loans, mortgages, credit cards, and deposits. It is a broader incumbent with comparable lead-generation and referral economics.
• NerdWallet: NerdWallet is a major personal finance content and comparison platform that routes consumers to lenders across personal loans, mortgages, credit cards, and banking. Its SEO-driven content strategy and lender referral monetization make it a broad incumbent comparable to Personal-Loan.com.
• Credit Karma: Credit Karma (owned by Intuit) is a broad consumer finance platform offering credit monitoring, credit cards, auto, and personal loan matching with lender referral economics. It overlaps with Personal-Loan.com in lender referrals but operates a much larger portfolio of financial products.

Market position

Strengths5 records

Weaknesses1 record

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/personalloancom
• YouTubeyoutube.com/channel/UC_t2WXri8aoTpqwjF0CzKyg
• Facebookfacebook.com/personalloancom

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Personal-Loan.com