Is Total Loan Company Personal Loans the right fit for you?
Last Updated: 04/18/2025
SuperMoney User Recommendation Score +50
Strongly recommended10 total votes
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Highlights
Community Rating
Strongly recommended
APR (Fixed APR)
Up to 199%(Verified 06/21/2024)
Amount Range
$750 - $3,000
Loan Term (Months)
6 - 36
Number of Reviews
Total Loan Company Personal Loans Review
Total Loan Company Personal Loans is offered by Total Loan Company, LLC, a direct lender founded in 2013 and based in Mount Prospect, IL. Total Loan Company are available in 4 states.
Key Takeaways
- .
- Fast access to funds. If approved, Total Loan Company, LLC will send the money in as little as 24 hours.
- No origination fee. Total Loan Company Personal Loans does not charge a loan origination fee.
- Short loan terms. Total Loan Company Personal Loans have loan terms as short as 6 months.
Total Loan Company Pros & Cons
| Pros | Cons |
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Total Loan Company FAQ
What interest rates and personal loan terms does Total Loan Company offer?
Total Loan Company has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Total Loan Company offer?
Total Loan Company offers a fixed APR personal loan product up to 199% APR.
How much can you borrow via Total Loan Company?
Personal loan amounts start at $750 and go up to $3,000
What is the maximum loan term you can get with Total Loan Company?
Total Loan Company offers loans with terms of up to 36 months.
| Personal Loan Amount | $750 - $3000 |
| Loan Term | 6 - 36 months |
| APR | up to 199% |
What fees does Total Loan Company charge?
Does Total Loan Company charge an origination fee?
Total Loan Company does not charge a personal loan origination fee.
A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, consider lenders that don’t charge origination fees.
Does Total Loan Company charge a late fee?
Total Loan Company does not disclose whether it charges late payment fees.
Does Total Loan Company charge prepayment fees?
No, Total Loan Company 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 | No |
| Late Payment Fee | No |
What do you need to qualify for Total Loan Company Personal Loans?
Applicants with a credit score of at least 550 and up to 620 may be eligible for Total Loan Company Personal Loans. The minimum age to be eligible is 22 or the state minimum, whichever is higher. Total Loan Company Personal Loans 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 Total Loan Company Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Applicants must have an active and valid personal checking account
- Recent pay stubs
- Bank account information
| Minimum Age | 22 |
| Bank Account Required? | Yes |
| Application Types Accepted |
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| Credit Score | 550 - 620 |
What is the estimated funding time for a personal loan via Total Loan Company?
Total Loan Company will typically fund loans within 1 to 2 business days of approval and clearing necessary verifications.
Does Total Loan Company Personal Loans report your account activity to credit bureaus?
Yes, Total Loan Company Personal Loans reports to the following credit bureau:
- Clarity Services
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 Total Loan Company, LLC perform a hard credit pull?
Yes, Total Loan Company 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 Total Loan Company Personal Loans legit?
Total Loan Company, LLC was founded in 2013, it is a well-established company that has been in business for 13 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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SuperMoney 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
Total Loan Company Personal Loans Community Reviews
Would you recommend Total Loan Company Personal Loans to your friends?
MP
Melanie P.
Jan 11, 2021
May or may not recommend
If you're desperate for a loan then this company is for you, however the interest rate is so high on the loan you'll have to pay the loan in full to get it paid off. The ladies on the phone are friendly enough yea cause they're stealing your money. I paid $300 on an $800 loan and guess what the amount I owed was $816. How is it ...Show More
Esther O.
Oct 28, 2020
May or may not recommend
My aunt tried accessing the loan from Cali but the whole process kept bouncing. It was frustrating. We realized, much later, that they did not operate in California. But when I applied, I got my loan in 24 hours. They are a bit strict with their process, especially since they do not allow a pre-approval with soft credit pull. My aunt's experience was not-so-pleasant, but of course, it's not Total ...Show More
NG
Nelson G.
Oct 24, 2020
May or may not recommend
My experience with Total Loan was exceptional throughout my entire process of securing a loan. I was referred to them by my agent and am so glad I was. With their user-friendly online interface, I was able to secure a short-term loan easily and fast. This helped me immediately invest in the business I initially needed the loan for. They are wonderful!
MM
Margaret M.
Sep 9, 2019
May or may not recommend
I dont have a loan yet.so i dont know yet.
AH
Amanda H.
Sep 5, 2019
May or may not recommend
Great Company to work with! Thank you so much Peter for the fast service. Awesome rates as well!
DT
Debra T.
Aug 29, 2019
May or may not recommend
Awful rates can’t wait to finish giving them 4000 for 2000
U
Anonymous
Jul 24, 2019
May or may not recommend
Great rates and quick turnaround after my application was put in.
Mary B.
Jul 17, 2019
May or may not recommend
Total Loan Company is great. I applied for a loan around 8:30am and received confirmation around 10:15am that I was approved. Peter is super nice and went over terms with me. I would highly recommend them for a loan.
MP
Margaret P.
Apr 19, 2019
May or may not recommend
Very professional yet friendly. I had my loan in not time. Highly recommended.
AC
Alondra C.
Mar 27, 2019
May or may not recommend
Took care of me instantly, I highly recommend it !
Showing 10 of 10 reviews
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