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Where does Listo! do business?

Listo! is a direct lender based in San Jose, CA. Founded in 2014, Listo! offers access to personal loans in 1 state across the USA.

What are the APRs offered via Listo!?

Listo! offers a personal loan product but they do not disclose their rates.

Does Listo! charge an origination fee?

No, Listo! does not charge a loan origination fee.

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does Listo! charge a late fee?

Yes, Listo! may charge borrowers a late payment fee

Does Listo! charge prepayment fees?

No, Listo! does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

How much can you borrow via Listo!?

Loan amounts start at $500 and go up to $2,500.

What can a personal loan from Listo! be used for?

Personal loans from Listo! are typically used for special purchases or similar purposes.

What is the maximum loan term you can get with Listo!?

Listo! offers personal loans with terms ranging from 7 to 18 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for a loan with Listo!?

Listo! doesn’t disclose its credit score minimum.

Listo! only considers borrowers who are employed.

Active duty servicemembers and their covered dependents cannot apply for a loan via Listo!. The Military Lending Act prohibits lenders from charging servicemembers more than a 36% APR.U.S. citizens, permanent residents, and non-residents can all apply for a Listo! loan.

To qualify, applicants may need to provide the following documentation:

  • Proof of residence
  • Proof of identity
  • Proof of income
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  • Contact

    • Headquarters
    •   1177 S King Rd
      San Jose, CA 95122 USA
    •   Visit Site


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      Available in 1 state
    Availabile in all of California

    Feature Breakdown

    No Fees
    No Origination Fee
    No Prepayment Fee
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    • Non-Resident
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Retired
    • Self-Employed
    Military Status
    • Non-Military
    • Veterans
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Verification Documents Required
    • Proof of Identity
    • Proof of Income
    • Proof of Residence
    Dollar Amount
    Loan Amount
    $500 - $2.5K
        $100 $100K+
    Loan Term (Months)
    7 - 18
        1 180

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