Editorial Rating is an online platform that connects willing borrowers with lenders in the US and helps bridge the gap of financial distress.

Shopping around for attractive and cheap personal loans is much quicker, easier, and affordable when websites like facilitate the application and approval processAvailing a loan through traditional methods is all about standing in long queues in the bank and undergoing the tedious and time-taking document processing before getting a decision on the loan application. However, all these complex processes (and the resulting exasperation) can be safely bypassed if you apply on websites like Review has teamed up with the leading lenders in California and neighboring states to create a pool of lenders. Now, prospective customers looking for personal loans can sign up with the website. The information they provide is then passed on to the lenders. Depending on multiple factors, one or more lenders can present loan offers to prospective borrowers. Thus, if you’re looking for a personal loan to meet your short or long term financial goals, then you need to fill in a simple form on the website.

The online loan application form on is simple enough, and you will have to fill in standard information. This information is shared with all the lenders on MaximusMoney’s network, and you can get an approval within a few minutes. The loan can vary from $200 to $5000.

You can choose the loan amount and terms of your choice after getting an approval and loan offer from one or multiple lenders. The real advantage of using a website like lies in the fact that you can accept or reject an offer at your convenience. You’re not answerable to anyone, and no one’s going to force you to accept an offer.

All the lenders offer attractive APRs on, which vary as per your loan requirements. For the cash advance loans, you can expect an APR between 200% and 1386%, and for personal loans, it can be anything between 4.99% and 450%. Installment loans carry an APR between 6.63% and 225%. However, you must remember that is just an informational and lead generating website, which is not a part of the lending process. The website owners have no control over the APRs charged by the lenders, nor do they have any say in the disbursed loan amount.

All your data provided while filling the loan application form is shared with the lenders securely. uses industry-level data encryption and security protocols to protect your data. However, you must always check the Terms and Conditions and Privacy Policy page before filling up the online loan application form. The FAQ page answers all the common questions related to the online loan application process and approval. A Quick Snapshot

Loans Offered Unsecured Personal Loans, Unsecured Cash Advance Loans, Unsecured Installment Loans
Minimum/Maximum Amounts $200 to $5000
Eligibility/Credit Score Validated income, SSN, Driver;s License, bad credit applicants can still apply
APR 4.99% to 1386%,
Fees No fees
Timeline For Approval Normally within 10 minutes of submission
How Secure Are they? uses industry-level encryption and data security protocols.


  • Massive network of reputed and trusted lenders
  • Quick approval for loan amount between $200 and $5000
  • Affordable APRs
  • Hassle-free online application


  • Not suitable for borrowers searching for a higher loan amount
  • is not the lender


Borrowers can avail personal loans through only if they’re:

  • A US citizen
  • 18 years and above in age
  • Provide a valid e-mail address
  • Having a regular income source
  • Possessing a checking account

Irrespective of whether you have a low credit score or have filed for bankruptcy, you can still apply for a loan on Since the personal loans offered by the lenders on are unsecured, individuals with lower credit scores can expect a higher APR. Both short-term, as well as long-term loans, are offered so that you can choose a loan as per your convenience. As far as the repayment is concerned, does not play any role, and you’re to enquire with your respective lender. You must get in touch with the lender through valid channels and ask for clarifications about the loan offer.



Even though the market is flooded with several websites like, they stand tall amongst the competition. Affordability and convenience are two of the biggest advantages of using this website. From easy navigation to quick approval, everything seems to work correctly on the site. However, here’s a word of caution: you must go through a loan offer properly before accepting it because won’t be able to help you in case of any dispute. It’s a loan comparison website, which works as a bridge between the lenders and prospective borrowers.


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  • APR Rate4.99% to 1386%,
  • APR Rate4.99% to 1386%,
  • APR Rate250% or Higher
  • APR Rate200% Plus