Fiona is a service you can use to find providers of personal loans, as well as savings accounts, student loan refinancing and more. New York-based Even Financial created Fiona, which is not a direct lender. Instead, it uses relationships with lenders to connect consumers with financing options. Loan requirements depend on the individual lender, but loans are available for almost any credit score, according to Fiona. There is no cost to use the service and submitting an application will not affect your credit score.

Fiona can help consumers find loans for debt consolidation, credit card refinancing, home improvements, weddings, moving and more. You may be able to find unsecured loans, lines of credit, or secured loans from Fiona’s partners. Lenders may apply other loan restrictions. Other services available from Fiona include connecting consumers with personalized credit card offers and high-yield savings accounts.

Fiona can match consumers with pre-approved and pre-qualified loan offers from her provider network. Users can submit a single application with Fiona and view loan offers in less than a minute. Each lender has its own product offerings and credit requirements, but almost any credit score can be matched, according to Fiona.

Fiona considers several factors when comparing you to loan offers, including the annual percentage rate, how quickly you need the funds, and the terms of the loan. The entire process, from application to receipt of funds, is done electronically, with no paperwork. You can also use Plaid, a service that uses your bank account credentials to confirm your personal information, and pre-fill most of Fiona’s personal information form. Loans can be funded in as little as one business day.

There is no cost to use Fiona. The application process with all Fiona lenders is free, but you may have to pay an origination fee of between 1% and 6%. The origination fee will be deducted from the loan proceeds you receive and will be included in the APR you see. Lenders may also charge other fees, including late fees. You should check with the lender directly to confirm the terms, fees and conditions.

To be matched with personal loan lenders in Fiona, you must complete an online application. The application process is free and will not affect your credit score. Once you enter the information, including why you need the loan and how much you need to borrow, Fiona will provide you with a curated list of loan offers from Fiona’s network of lenders. You can search for loans up to $250,000 through Fiona.

When you accept a loan offer, you will be redirected to the loan provider’s website to complete the loan. The rest of the application process is done directly with the lender, but Fiona will help pre-fill the application with the information she provided in her initial application when possible.

The minimum credit score to qualify for a loan depends on the lender, but Fiona says her network of more than 30 lenders includes loans suitable for almost any credit score.

Fiona is a fully digital service that operates in all 50 states.

Fiona’s parent company, Even Financial, received an A+ rating from the Better Business Bureau. Trustpilot gives Fiona 4.4 out of 5 stars based on over 200 reviews, giving it an “excellent” rating.

Fiona’s customer service is available by phone at 800-614-7505, by email at [email protected], or by completing the contact form on the company’s website. Fiona promises to reply within 24-48 hours to acknowledge receipt of your enquiry. They try to resolve all queries as quickly as possible, but may need to contact you for additional information.

Fiona offers a range of online services. You can complete the personal loan process from application to receipt of funds online. You can also find lenders to refinance existing loans or search for high-yield savings accounts.

Fiona also has a set of educational articles related to the financial services she offers. Topics discussed include loans, insurance, savings accounts, mortgages, credit cards, and credit scores.