Last Updated: 04/18/2025
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Highlights
APR (Fee-Based Product)
N/A
Amount Range
Up to $5,000
Loan Term (Months)
N/A
Giggle Advance Review
Giggle Advance is offered by Giggle Finance, a marketplace lending platform founded in 2020 and based in Miami, FL. Giggle Advance are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- Fee-based product. Unlike most personal loans, which typically charge a simple daily interest rate, Giggle Advance does not have a periodic interest rate. Instead, it charges a fixed-fee.
- Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
- Hard credit pull required. You can't check your rates or see if you prequalify for Giggle Advance without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
Giggle Advance Pros & Cons
| Pros | Cons |
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Giggle Advance FAQ
What interest rates and personal loan terms does Giggle Advance offer?
Giggle Advance has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Giggle Advance offer?
Giggle Advance offers a fee-based personal loan product but they do not disclose their interest rates.
| Personal Loan Amount | up to $5000.00 |
| Loan Term | N/A |
| APR | N/A |
What fees does Giggle Advance charge?
Does Giggle Advance charge an origination fee?
Giggle Advance may charge a personal loan origination fee .
Does Giggle Advance charge a late fee?
Giggle Advance does not disclose whether it charges late payment fees.
Does Giggle Advance charge prepayment fees?
No, Giggle Advance 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 Giggle Advance?
Giggle Advance does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Giggle Advance does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Giggle Advance.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
What is the estimated funding time for a personal loan via Giggle Advance?
Giggle Advance will typically fund loans starting at 1 business day of approval and clearing necessary verifications.
Does Giggle Advance report your account activity to credit bureaus?
Yes, Giggle Advance reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Giggle Finance perform a hard credit pull?
Yes, Giggle Advance 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 Giggle Advance legit?
Giggle Finance was founded in 2020. It is an established company that has been in business for 6 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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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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