Reach Financial offers personal loans between $3,500 and $40,000, with fixed APRs ranging from 5.99% to 35.99%. Terms are flexible, spanning 24 to 60 months. You can personalize your monthly payment for added convenience and work with a company known for assisting borrowers consolidate over $2 billion in debt. Checking your rate requires only a few minutes and does not impact your credit score.

Step-by-Step Application Process

• Select your loan amount and purpose (consolidate debt or refinance)
• Check your rate in minutes without affecting your credit score
• Review your personalized loan offer with rates and terms
• Set your monthly payment preferences
• Finalize your application for a quick decision

Notable Advantages

One key strength with Reach Financial is the ability to create your own terms, making budgeting easier. There is also no prepayment penalty, so paying off early is always an option.

Additionally, all customer service representatives are U.S.-based, providing responsive and clear support. Free monthly credit score access is a helpful bonus for tracking your financial health.

P otential Drawbacks

Loan APRs can be high for some applicants, depending on creditworthiness. If you do not qualify for the best rates, costs over time can accumulate.

Some users with very poor credit may not receive offers, as prequalification does not always guarantee approval, so results can vary.

Our Verdict

Reach Financial is a reputable lender for anyone seeking a flexible and user-focused personal loan. Their transparent approach, customizable terms, and quick rate checks make them a solid option for debt consolidation or refinancing. For those who value straightforward application processes and support, Reach Financial stands apart as an excellent consideration for a personal loan solution.