CircleBack Lending Personal Loans is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Is CircleBack Lending Personal Loans the right fit for you?
Last Updated: 04/18/2025
Not Currently Available
CircleBack Lending Personal Loans
Unaffiliated
Last Updated: 04/18/2025
SuperMoney User Recommendation Score +50
Strongly recommended276 total votes
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Highlights
Community Rating
Strongly recommended
APR (Fixed APR)
6.63% - 35.82%(Verified 06/21/2024)
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Amount Range
$3,000 - $35,000
Loan Term (Months)
36 - 60
Number of Reviews
CircleBack Lending Personal Loans Review
CircleBack Lending Personal Loans is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
CircleBack Lending Personal Loans is offered by CircleBack Lending Inc., a direct lender founded in 2012 and based in Boca Raton, FL. CircleBack Lending personal loan are available in 27 states and Washington, DC.
Key Takeaways
- APRs starting at 6.63%. Personal loan interest rates typically range between 9% and 36%. The starting rates for CircleBack Lending Personal Loans are on the lower end of the spectrum.
CircleBack Lending personal loan Pros & Cons
| Pros | Cons |
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CircleBack Lending personal loan FAQ
What interest rates and personal loan terms does CircleBack Lending personal loan offer?
CircleBack Lending personal loan has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does CircleBack Lending personal loan offer?
CircleBack Lending personal loan offers a fixed APR personal loan product that ranges from 6.63% APR up to 35.82% APR.
How much can you borrow via CircleBack Lending personal loan?
Personal loan amounts start at $3,000 and go up to $35,000
What is the maximum loan term you can get with CircleBack Lending personal loan?
CircleBack Lending personal loan offers loans with terms of up to 60 months.
| Personal Loan Amount | $3000 - $35000 |
| Loan Term | 36 - 60 months |
| APR | 6.63% - 35.82% |
What fees does CircleBack Lending personal loan charge?
Does CircleBack Lending personal loan charge an origination fee?
CircleBack Lending personal loan may charge a personal loan origination fee .
Does CircleBack Lending personal loan charge a late fee?
CircleBack Lending personal loan does not disclose whether it charges late payment fees.
Does CircleBack Lending personal loan charge prepayment fees?
No, CircleBack Lending personal loan does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
What do you need to qualify for CircleBack Lending Personal Loans?
CircleBack Lending Personal Loans does not require or does not disclose a credit score minimum. CircleBack Lending Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
| Minimum Age | N/A |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | N/A |
Does CircleBack Lending Inc. perform a hard credit pull?
Yes, CircleBack Lending personal loan performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Are CircleBack Lending Personal Loans legit?
CircleBack Lending Inc. was founded in 2012, it is a well-established company that has been in business for 14 years. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +50, or 4 on a 5-point rating scale.
+50
-1000+100
No one recommends
Everyone recommends
CircleBack Lending Personal Loans Community Reviews
Would you recommend CircleBack Lending Personal Loans to your friends?
U
Anonymous
Aug 9, 2017
May or may not recommend
If I could leave zero stars I would. I changed bank accounts because someone stole my purse. I could never get them to accept my new account information. They do not take debit cards and try to charge you a fee to accept payment over the phone. I have found them to be incompetent and rude. I do not recommend!
U
Anonymous
Oct 26, 2016
May or may not recommend
Terrible everything they tell you is a lie you cannot pay earlysy you cannot pay them off electronically they want 15000 in addition to original loan stay as far away from them as possible
U
Anonymous
Jul 24, 2016
May or may not recommend
It was very easy to get loan ....however they are very slow in reporting to the CRA..cant get them to update to correct balance ...but easy loan'
U
Anonymous
Jul 13, 2016
May or may not recommend
Do not get a loan from these people. Not only are they rude, but they do not try to help you after the loan in any way. STAT AWAY FROM THEM!
U
Anonymous
May 26, 2016
May or may not recommend
Very unhappy with this company. Steve in collections (not Steve Chester) is very rude, hateful and unprofessional. I wish I never dealt with them. I tried to work out a smaller payment amount when an unforeseen circumstance happened and was met with hostility. I finally went to a debt management/credit counseling to have them help with CB. I wouldn't recommend this company to anyone!
U
Anonymous
May 26, 2016
May or may not recommend
I recently went through the process with CircleBackLending.com to consolidate my credit card debt. Like many of these reviews, I was asked to email a copy of my drivers license to verify. Okay, seems legit enough...one identifier for their file. So, I proceeded to email my DL. Then, I waited and within 24 hours I received another email stating they needed a copy of my SS ...Show More
U
Anonymous
May 23, 2016
May or may not recommend
They approved my Loan, Once I saw the results I must have laughed for 10 minutes ! They pulled my Transunion report which I monitor Twice a week and it shows 768 (Excellent) as of 5/23/2016, Circle back approved me for $20,000
and Interest rate of 35.07% In order to justify this Joke it was because Transunion score was a 698 ! Use your imagination as to what I told Circleback ...Show More
U
Anonymous
May 16, 2016
May or may not recommend
Complete "jack offs' no commutation with you. Choose a different company.
U
Anonymous
Apr 29, 2016
May or may not recommend
I am a real customer and in no way affiliated with Circlebank Lending. I found Circlebank's service to be exemplary. I was pre-approved, reviewed/verified and received final approval within 36 hours. Everyone I dealt with was completely professional and made the process completely transparent. There were no hidden hurdles or other issues. I highly recommend them for your banking needs.
U
Anonymous
Apr 26, 2016
May or may not recommend
Great, thorough service. Do not listen to the complaints about being denied. The reason these people may have been denied is due to asking for more money than their income shows they can pay.
Your excellent credit gets you the generic offer. I've received these from various companies. I tried one and was denied. I don't remember the formula but based on my making 60k a year, no one was ...Show More
U
Anonymous
Mar 25, 2016
May or may not recommend
Very deceiving!!! I was told I qualified and taken through the entire process only to be denied in the end. I was led on and I am very unhappy with the practices of this company!! Don't send me something in the mail saying that I qualify, lead me through multipe steps and processes and the deny the request! I feel lied to and decieved!!!
Diane E.
Mar 22, 2016
May or may not recommend
A little deceptive in their practices. I received a letter indicating that I had been approved for a 30k loan based on my credit score and with an interest rate of 6.63% For the last year my husband was in school and we have lived off of our credit cards. I thought that consolidating these bills would be a tremendous help while we readied our house for sale so ...Show More
U
Anonymous
Mar 14, 2016
May or may not recommend
Applied online. Excellent Customer Service. Money deposited in my checking account in 36 hours! The fastest and most easy loan process.
U
Anonymous
Feb 28, 2016
May or may not recommend
Relatively painless, took only a week from start to finish.
U
Anonymous
Feb 25, 2016
May or may not recommend
An excellent company with a very quick, efficient response. I'm very pleased by the entire process.
U
Anonymous
Feb 25, 2016
May or may not recommend
Excellent experience, great staff, delivered everything as promised. Loan approval took longer than expected as they are very thorough, but other than that, great overall!
U
Anonymous
Feb 25, 2016
May or may not recommend
Very promt in aoproving my loan.
very nice people to do busineS with
U
Anonymous
Feb 25, 2016
May or may not recommend
Experience was fast , professional, and did I mention fast! Lol
Got my loan within a few days!
Wayne E.
Feb 24, 2016
May or may not recommend
i all redy did ecellent but i was told in begining that rate would be 9 percent apr 11 percent loan process great low fees russel c. and vyda b were great just not so happy with rate having high credit scores
U
Anonymous
Feb 24, 2016
May or may not recommend
The application process was much longer than other reviewers state. It took almost two weeks for me. They requested a lot of information on top of the initial online application such as copies of pay stubs, a picture of my drivers license, confirming my bank account via a small deposit to my account and at least three phone calls. I'm a busy guy and probably could've responded to thier requests ...Show More
Showing 20 of 276 reviews
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