NationalMoney.com review

Top10.com Staff

In a Nutshell

NationalMoney.com is an online marketplace for personal loans. It exists to connect borrowers with personal loans from its network of lending partners. NationalMoney.com doesn’t offer loans directly. Instead, it collects your details using an online form, then uses those details to suggest appropriate loan partners. If you like one of the options provided, just click on the lender to be taken to their website and complete the process.

pros

  • One application gets you multiple offers
  • Operating since 2006

cons

  • Works with payday lenders
  • Requires lots of info before showing you rates

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NationalMoney.com at a Glance

Direct Lender or Marketplace?
Marketplace
Marketplace
Unsecured personal loans
Loan amount
$200 - $30,000
Repayment terms
3 months to 10 years
APR
Varies
Best for
Comparing alternative lenders that you wouldn’t find with other marketplaces

Best For?

As an online marketplace, NationalMoney.com exists to connect borrowers with the best offers from its network of lenders. If you’re still looking for the right personal loan for you, then NationalMoney.com might be able to help.

Range of Loans on Offer

NationalMoney.com specializes in unsecured personal loans. An unsecured personal loan is a personal loan where the borrower doesn’t need to put down any collateral and which the borrower may use for any purpose. For example, you may use a personal loan for credit card consolidation, home improvement, medical bills, and car repairs. Getting a small personal loan from NationalMoney.com is a quick and simple process, although the rates are higher than for a secured loan or a loan with a higher loan amount.

Marketplaces typically work with multiple lenders, and NationalMoney.com is no different in this regard. We were unable to verify exactly how many or which lenders NationalMoney.com works with. It is clear that some of the lenders are payday lenders offering loans less than $1,000. It’s important to mention here that payday lenders provide loans with interest rates often reaching up to 700% and are best avoided.

Application Process & Requirements

The application process is relatively lean for an online loans marketplace. The initial stage involves filling out basics like loan amount, loan purpose, estimated credit score, employment details, and contact details. The form then gets more personal, asking for things like your Social Security number and bank details. 

It’s true that no lender will offer you a personal loan without you first providing these details. However, lenders (or marketplaces) do usually offer to show you rates before asking for these details. For some reason, NationalMoney.com sometimes asks for these sensitive personal details before offering a loan—which is a little strange.

During the process, you will be asked to accept NationalMoney.com’s terms of use and privacy policy. Note that like other marketplaces, this means you are agreeing to receive emails, calls, and/or messages from third-party lending partners.

APRs, Loan Amounts & Repayment Terms

Being a marketplace that works with multiple lenders, the exact numbers vary from lender to lender. Unfortunately, NationalMoney.com doesn’t provide a great deal of information about the rates and repayment terms offered by its lenders. 

Here’s what we were able to verify:

  • Loan amount: $200 - $30,000
  • Repayment terms: Potentially 3 months to 10 years
  • APR: Potentially single figures to triple figures (for payday lenders).
  • Other fees: Varies from lender to lender.

Privacy & Security

According to NationalMoney.com, its entire website is protected by 256-bit SSL and all forms are encrypted using high-grade RSA. In other words, the site is secured to the same level as online banks and encrypted to prevent third parties from reading your information. However, it’s also worth noting that NationalMoney.com asks for a lot of sensitive information before showing rates and it shares your info with third-party lenders. The site itself is safe to use, but you are giving up your SSN and banking info—so just be sure you want to use NationalMoney.com to get a loan before handing over all your info.

Help & Support

NationalMoney.com isn’t a lender and it doesn’t offer any customer support.

FAQs

Is NationalMoney.com a lender? No, it is a marketing lead generation site that helps get you quickly connected with a personal loan lender.

Does NationalMoney.com do credit checks? No, it doesn’t perform any type of credit check. Its partnering lenders will verify your application using a credit check and this will affect your credit score.

Does NationalMoney.com charge a fee? No, as an online marketplace, it never charges its users any fees. It earns a referral fee each time a user selects one of its partnering lenders.

Who runs NationalMoney.com? The service was created in 2006 and is operated by Fast Flash Marketing, LLC from Boca Raton, Florida.

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Summary

In the market for a loan? Looking to discover new lenders? NationalMoney.com exists to connect you to personal loan lenders from around the country. Many of its partners are lesser-known lenders you won’t find at the big marketplaces. This is a plus and a minus. On the positive, NationalMoney.com can find you lenders you wouldn’t otherwise know about—and this might get you a better rate. On the downside, its network includes payday lenders and small lenders that potentially charge exorbitant rates and fees—so we recommend reading the fine print carefully before signing.

Physical Address

NationalMoney.com

Fast Flash Marketing, LLC

5030 Champion Blvd. Ste. G11-118

Boca Raton, FL 33496

Top10.com's editorial staff is a professional team of editors, writers and experts with dozens of years of experience covering consumer, financial and business products and services.

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20 Sep 2020

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