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EVEN Financial

February 17, 2018 by Leave a Comment

Even Financial review

EVEN Financial

Best for individuals with 650+ credit scores looking to find the lowest rate on a new loan or consolidating existing debt.

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4.9
Our Score

  • The Good
  • The Bad
  • The Summary
  • Reviews

Home › Review › Loans › Business Loans › EVEN Financial

The Good

  • Low interest rates
  • Easy-to-use website
  • Soft pull – does NOT impact your credit
  • Good national coverage

    Low Interest Rates EVEN is a loan comparison site that caters to individuals with good or excellent credit.  Meaning, if you have a credit score of about 650 or better, they will be able be able to show you some very good options from lenders.  They work with some of the best lenders in the business and effectively vet them, so if they show you a rate, you could be assured that it’s from a solid lender. Even offers real-time pre-approval from multiple lenders in a matter of seconds.  This means that the rate you see is the actual rate (or very close to) that you are going to pay.  They don’t do any of the bait-and-switch tactics you often see where a teaser rate turns out to be much higher.   They also conduct only a soft pull on your credit.  It does not impact your credit score in any way, but allows them to show the actual rate you would pay.  Keep in mind that if you decide to accept a loan from one of their lenders, that lender will do a full credit check at that time.     Good national coverage Technically, EVEN has lenders that operate in every state except New York.  However, some states are better covered than other and have more lenders – which means more options for consumers.  It’s worth checking out no matter what state you live in (except New York), but in our research, we found the following states had the absolute best deals:

  • Alabama
  • California
  • Delaware
  • Florida
  • Georgia
  • Illinois
  • Missouri
  • New Mexico
  • Ohio
  • Oregon
  • South Carolina
  • South Dakota
  • Utah
  • Washington

The Bad

  • Requires Good or Excellent credit
  • Not the end lender itself

  Most, if not all, of EVEN’s available lenders are those who are not able to lend below a FICO score of 580.  That’s the absolute minimum, but really, their sweet spot is in the mid-600 range.  That’s fine for those borrowers with a 650-850 score, but we can’t recommend EVEN for those with a score below 650.  For these borrowers, we’d recommend LendingPoint or OppLoans, depending on the state that you live in.   Also, it’s important to note that EVEN is not the lender itself.  It is a comparison service to help you find the right lender, but if you have questions about that loan, customer service issues in the future, or trouble paying it back, don’t call EVEN.  They don’t really have customer service.  It’s the lender’s customer service that you want to call.  This is not necessary a problem or a weakness with EVEN – it’s just something to keep in mind should you need to talk to a customer service representative in the future.  

The Summary

If you have a credit score of 650-850 and are looking to consolidate credit cards, personal loans, or existing student loans, EVEN is a great option.  They can save you money on your current payments by moving to one of their lenders.  Plus, you’ll know exactly what you would be paying and what rate you’ll receive.

Ratings Breakdown

Loan Amount$2,000-$5,000
Max Length60 months
Credit Scoremin 580 FICO
APR Range5.95-35.99%
AvailabilityAll states except NY
HeadquartersNew York, NY
Year Founded2014

Review Last Updated: February 17, 2018

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THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not make credit decisions, and does not charge any application fees. This Website does not constitute an offer or solicitation to lend. This Website provides a service wherein we submit the information you provide to one or more lending platforms and attempt to match you with a lending platform. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice. Providing your information on this Website does not guarantee that you will be matched with a lending platform or approved for a loan. The lending platform may perform a credit check or otherwise verify the information you provide. Not all lending partners offer loans up to the advertised amount and not all lending platforms can provide you with the loan amount you requested. Loan amounts are determined by the lending platform based on individual creditworthiness. All financial terms of the loan will be provided to you by the lending platform. Loan terms, conditions, and policies vary by lending platform, state, and applicant qualifications. For details, questions, or concerns regarding your loan please contact your lending platform directly. In some situations, faxing or emailing of documents may be required. Cash transfer times may vary between lending platforms and may depend on your individual financial institution. Loan repayment periods could vary by lending platform and location. Not all applicants will meet the lending criteria to qualify for a loan. Borrow Responsibly – A short-term loan is ideally used for short-term financial needs only, not as a long-term financial solution. Late or missed loan payments may be subject to increased fees and interest rates. lending platforms may use collection services for nonpayment of loans. We recommend seeking credit counseling if you have financial difficulties.