Easy-to-Use Marketplace

View Rates

Personal Loan Marketplace

Options for every credit score
Easy to compare offers
One-stop shop for financial products

High maximum APR
Some lenders charge fees
Not a direct lender

APR range	6.99% – 35.99%
Min. credit score	None
Fees	1 – 6% origination fee

Fiona is a personal loan marketplace, not a lender. You can use it to compare multiple offers from different personal loan companies at once. You’ll get matched with offers and choose from selected lenders to see if you qualify. If not, Fiona will match you with appropriate offers or encourage you to reapply for a smaller loan amount.

Fiona is a helpful option for first-time borrowers who aren’t sure where to start. But it’s not the best option if you already have a lender in mind or want to utilize a pre-existing bank relationship.

Table of Contents

What types of financial services does Fiona offer?
How Fiona’s personal loan marketplace works
Pros and cons
Customer eviews
Personal loan marketplace alternatives

What types of financial services does Fiona offer?

Fiona is a full-service financial company. Here’s a look at the types of products available through the marketplace.

Personal loans: You can use personal loans for nearly any expense, and Fiona offers loans for up to $50,000.
High-yield savings accounts: Use Fiona to find the best savings account interest rate and grow your money faster. You can find current offers with an APY of up to 4.50%.
Credit cards: You can get pre-approved for various credit cards through Fiona, including the Chime Secured Credit Builder Visa® Credit Card.
Life insurance: Fiona partners with Policygenius to sell life insurance policies from different companies.
Mortgages: Compare mortgage rates from various lenders in one place with Fiona’s mortgage marketplace tool.

Here, we’ll take a closer look at what Fiona has to offer if you are looking for a personal loan.

How Fiona’s personal loan marketplace works

Fiona makes it easy to explore personal loan options without hopping from lender to lender. In just a few steps, you can compare multiple offers and move forward with the one that fits best.

Enter your info. Start by visiting Fiona’s site and providing a few key details: your loan purpose, desired amount, estimated credit score, and ZIP code. You’ll also need to enter your name before seeing any offers.
Compare loan options. Fiona will match you with prequalified loan offers from multiple lenders. You can compare estimated interest rates, repayment terms, and monthly payments—all without a hard credit check.
Choose a lender and apply. If you see an offer you like, click to continue your application on the lender’s site. At this stage, you’ll enter more detailed information and may undergo a hard credit pull for final approval.

Fiona is powered by MoneyLion, and its mobile-friendly design makes the process easy whether you’re on desktop or using the app.

Fiona loans pros and cons

Pros

Options for every credit score

There are no hard credit checks to compare offers, and there is no minimum credit score requirement, making it accessible for most borrowers.
Easy to compare offers

You can view multiple loan options with a single application, which streamlines the process.
One-stop shop for financial products

Fiona offers a range of financial products, including loans, savings accounts, life insurance, and mortgages.

Cons

High maximum APR

While the APR range is competitive, the maximum APR of 35.99% is quite high.
Some lenders charge fees

Some lenders may charge fees ranging from 1% and 6%, depending on the lender.
Not a lender

Fiona acts as a marketplace, so you can’t complete the loan process directly on the site.

Fiona marketplace reviews

Fiona reviews have an average rating on Trustpilot, which is the only review site with a dedicated profile for the company. The other sites only have entries for MoneyLion, the company that created Fiona.

Source	Customer rating	Number of reviews
Trustpilot	3.4/5	281

Data collected July 22, 2025

While most customers are generally satisfied with their experience, some borrowers complain about receiving spam calls and incurring unnecessary fees. The BBB gives MoneyLion a rating of C- due to a pattern of complaints and government action against the business.

Alternatives to Fiona if you’re looking for a personal loan

Fiona is one of several platforms that let you compare personal loan offers, but it’s not the only one worth considering. Depending on your priorities, one of the following alternatives may be a better fit:

Company	What to Know	Rating (0-5)
5.0 View Rates		5.0 View Rates
4.8 View Rates	Best Overall	4.8 View Rates
4.7 View Rates	Best Overall	4.7 View Rates

Fiona vs. Credible

Credible gives users access to personal loan offers from around 20 lenders and stands out for its $200 Best Rate Guarantee—a perk that offers peace of mind if you’re worried about missing a better deal elsewhere. Like Fiona, it provides pre-qualified rates with a soft credit check and a clean user experience.

Fiona vs. LendingTree

LendingTree works with more than 300 lenders, making it a strong option if you’re looking to cast a wide net and compare a broad range of personal loan offers. While the platform can feel a bit more crowded, it often delivers a high volume of matches that may appeal to users who want to explore as many options as possible.

Fiona vs. Splash Financial

Splash has a smaller, more selective network of lenders, but it’s known for offering highly competitive rates—especially for borrowers with strong credit and income. If you meet the criteria, it can be a great way to zero in on top-tier offers without sorting through a long list of lenders.