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Enable Loans Reviews: What 6,748 Borrower Ratings Show
Last updated:These enable loans reviews come from people who used our free request form. Here is the 4.7 rating summary, what borrowers praise and criticize, and how each review is collected.
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Borrower reviews
What borrowers wrote
Based on 6,748 borrower ratings from 70,000 people who used the request form · 30 written reviews below
Fridge fixed before food spoiled
Our refrigerator compressor quit on a Friday night. The repair quote was a little under five hundred dollars, so I asked for $500 through the form. A lender offered a six-month personal loan with a payment I could handle, and the technician was back Monday morning.
Requested for: appliance repair · $500One payment, one due date
I was juggling three store cards with different due dates and kept paying late fees. The lender I picked paid two of them off directly. Now I have one personal loan payment the day after my paycheck lands, and the late fees have stopped completely.
Requested for: debt consolidation · $3,000Good offer, slow callback
The form took about five minutes and I had a personal loan offer by email that evening. The lender said someone would call to confirm my income, and that call took two days to come. Everything worked out fine, I just wish the callback had been quicker.
Requested for: personal · $2,000Numbers were clear upfront
My alternator and battery went out the same week. I searched for enable loans after a coworker mentioned it, filled in the form, and the offer showed the APR, the fee and the total repayment before I signed anything. No surprises on the first statement either.
Requested for: car repair · $1,500Helped with Mom's service
We had to arrange my mother's service quickly and the funeral home needed payment before the date. The process was quiet and respectful. I compared two personal loan offers, chose the shorter term, and the home was paid in time. I am grateful it was one less thing to worry about.
Requested for: funeral · $3,000APR higher than I hoped
My credit is only fair, so the APR on my personal loan offer was higher than I wanted. The lender still showed the total I would repay before I agreed, and the monthly payment fit. There is no prepayment penalty, so I plan to pay it off early.
Requested for: emergency · $1,000Hot water back in days
Our water heater started leaking from the bottom of the tank. The plumber's quote included haul-away and a new valve. I used the enable loans website on my phone, accepted an offer the next morning, and we had hot water again by the end of the week.
Requested for: appliance repair · $1,500Covered my moving deposit
I found an apartment closer to work but needed the deposit and first month's rent at signing. The enable loans form was simple, the lender explained the personal loan terms in plain language, and the money arrived the next business day after I signed. Smooth from start to finish.
Requested for: personal · $1,000Compared three offers side by side
Three lenders responded, which surprised me. I put the APR, fee and total of payments for each into a spreadsheet and picked the one with the lowest total, not the lowest monthly payment. Consolidating four cards into one fixed personal loan has made budgeting much easier.
Requested for: debt consolidation · $5,000Truck running again
I need my truck for work and the transmission shop wanted payment before releasing it. I filled out the enable loans form on my lunch break, had a personal loan offer that afternoon, and paid the shop two days later. The payment is manageable and I did not miss a shift.
Requested for: car repair · $2,000Too many follow-up emails
The personal loan I accepted was fine and the terms matched the offer. But after I submitted, I got more emails and a few calls from other lenders than I expected. I unsubscribed from the extras. Read the consent part carefully if you prefer fewer messages.
Requested for: personal · $1,500Dental crown paid on time
My dentist wanted the crown paid before the second appointment. I compared enable loans reviews first, then sent a request. The lender I chose had no origination fee, so I received the full amount, and the twelve-month payment fits my budget easily.
Requested for: dental work · $1,500Fee came out of deposit
I did not notice that the origination fee would be taken out of the deposit, so I received a bit less than I asked for. It was printed clearly on the disclosure, so that was on me. Next time I would borrow slightly more or choose a no-fee offer.
Requested for: appliance repair · $2,000No pressure to accept
I was not sure I wanted to borrow at all, and nobody pushed me. I read the personal loan offer, slept on it, and accepted the next morning. Having a night to think made me comfortable with the decision. The amount was small and the term was short.
Requested for: emergency · $500Furnace fixed in a cold snap
Our furnace blower motor died during the coldest week of January, and the technician recommended replacing the control board too. The enable loans application took a few minutes, a lender offered a 24-month term, and we had heat again within three days.
Requested for: appliance repair · $3,000Got me home quickly
My father was hospitalized across the country and last-minute flights were expensive. I submitted an enable loans request at night and had an offer by morning. The lender funded it the next business day, and I was able to fly out and be with him that weekend.
Requested for: emergency · $1,000Simple form, honest wording
What I appreciated most was that every rate on the site was labeled as an estimate. The actual offer came from the lender with all the numbers spelled out. It felt straightforward and I never had the sense that anyone was hiding a fee.
Requested for: personal · $2,000Extra paperwork, good result
The lender asked me to upload two pay stubs and a bank statement before final approval, which added a day. I understand why they check income, it just slowed things down. Once the documents were in, the personal loan was funded quickly and paid off two cards.
Requested for: debt consolidation · $3,000Paid for my dog's surgery
My dog swallowed a toy and needed surgery that same day. The vet took a deposit and gave me a few days to pay the rest. I found a personal loan offer through the form that evening and settled the bill before the deadline. My dog is doing great now.
Requested for: vet bill · $1,500Washer and dryer replaced
Our washer stopped spinning and the dryer quit a week later. Repairing both made no sense at their age, so we replaced the pair with delivery and installation. The personal loan covered everything, and the monthly payment is less than we were spending at the laundromat.
Requested for: appliance repair · $2,000Shorter term saved interest
The lender offered two term options. The longer one had a lower payment, but when I compared the total of payments the shorter term saved a meaningful amount of interest. I chose the shorter one and set up autopay. Clear choices made this easy.
Requested for: personal · $3,000Money arrived a day late
I was approved on a Thursday afternoon, but because of the weekend the money did not reach my account until Monday. The lender had said business days, so it was not a surprise, but plan ahead if your mechanic wants payment by a certain day.
Requested for: car repair · $1,000Gentle process after Dad passed
The funeral home gave us an itemized price list, which helped us choose a cremation and small memorial without overspending. My brother and I split the payment, and I covered my share with a personal loan. Nobody rushed us at any point.
Requested for: funeral · $5,000Caught up on utility bills
After a few weeks of reduced hours at work, I fell behind on electric and water bills and got a shutoff notice. A small personal loan with a short term caught me up before the deadline. The payments ended right as my hours went back to normal.
Requested for: emergency · $500Moved closer to my new job
Taking a new job meant moving two hours away, with a truck rental, deposit and utility setup all due at once. The form was quick, the lender's offer was clear, and I had the funds before moving day. The fixed payment made the first months predictable.
Requested for: personal · $2,000Wish I'd seen more offers
Only one lender responded to my enable loans request, so I had nothing to compare it with. The offer was reasonable and I accepted it, but I would suggest checking your local credit union too, just so you have a second number to weigh against the first one.
Requested for: personal · $1,000Medical bills in one payment
I had three medical bills from one hospital stay, each from a different billing office. Rolling them into one personal loan meant one due date and no more collection letters. The APR was fair for my credit and the lender explained every number before I signed.
Requested for: debt consolidation · $2,000Laptop for my new role
My new job is remote and my old laptop could not handle the software. I requested a small personal loan and chose a twelve-month term. The whole process, from the form to the deposit, took about two business days. The payment is easy to manage.
Requested for: personal · $1,000Read the term options carefully
My first offer was a 48-month term that looked cheap each month but cost much more overall. I asked about 36 months and the lender adjusted it. Worth doing the math before accepting. Otherwise the experience was smooth and the card balances are gone.
Requested for: debt consolidation · $5,000New oven before the holidays
Our oven's heating element failed a week before we were hosting family, and the range was too old to be worth repairing. I sent an enable loans request, got a personal loan offer the same day, and the new range was installed in time. Everyone ate well.
Requested for: appliance repair · $1,000Rating summary: a 4.7 average from 6,748 enable loans ratings
People who used the request form rate the experience 4.7 out of 5 on average, based on 6,748 ratings from a customer base of about 70,000 people. Thirty written reviews below show the details behind the number.
For people searching for enable loans, a 4.7 average is high, but it is not perfect, and the gap is informative. Most enable loans reviews award five stars for a quick form, plain wording and personal loan offers that showed the APR and total cost up front. Lower scores usually trace back to the lender side of the personal loan process: a callback that took a couple of days, an APR higher than the person expected, or a deposit that landed a day later than planned.
The 6,748 ratings are star scores. A smaller group of people also wrote a short comment, and we publish 30 of those written reviews here from people who used enable loans requests for real expenses, chosen to cover the main purposes and amounts from $500 to $5,000 rather than only the most flattering ones.
| Measure | Written reviews on this page |
|---|---|
| Five-star reviews | 22 |
| Four-star reviews | 7 |
| Three-star reviews | 1 |
| Average of the 30 written reviews | 4.7 |
| Amounts mentioned | $500 to $5,000 |
| Purposes mentioned | Appliance repair, debt consolidation, emergencies, funeral costs, car repair and other personal expenses |
Keep in mind what a rating can and cannot measure. Reviewers rate their experience with the enable loans application and with the lender contact that followed. They cannot tell you what APR you would be offered, because each lender sets the rate for each personal loan after reviewing your credit, income, state and chosen term.
What people praise after an enable loans request
After an enable loans request, reviewers most often praise a short form, plain explanations of cost, and the chance to compare more than one personal loan offer without filling out several separate applications.
- A fast form. Many people mention finishing the enable loans application in about five minutes, often on a phone during a break at work.
- Seeing the full cost before signing. Reviewers like that the lender's offer showed the APR, any origination fee and the total of payments before they committed.
- No pressure. Several reviews mention sleeping on an offer, or turning one down, without anyone pushing.
- Real choices. When more than one lender responded, people describe picking the personal loan with the lower APR or the shorter term.
- Calm handling of hard moments. Reviews tied to funeral costs often say the process felt respectful and unhurried.
The praise lines up with how enable loans requests are meant to work. The request form shares your details with lenders and lending partners in our network, and each lender decides whether to make an offer and on what terms. A person who sees two personal loan offers side by side can choose the one with the lower total cost, and that choice shows up again and again in the written reviews.
Reviewers also mention practical details nobody prompted them about: a lender that paid a repair shop or card issuer directly, a due date set for the day after their paycheck lands, and the relief of a fixed personal loan payment instead of a card balance that never seems to shrink. Those small details often matter more to people than the speed of the form itself, and they say a lot about which enable loans offers people end up accepting.
What reviewers criticize, and what you can do about it
The most common complaints about personal loans requested through the form are a slow callback from a lender, an APR higher than the person hoped, more follow-up emails than expected, and an origination fee that reduced the amount deposited.
| Complaint | Why it happens | What you can do |
|---|---|---|
| Waited for a lender's call | Some lenders confirm income or identity by phone before finalizing | Keep your phone close and answer unfamiliar numbers for a day or two after submitting |
| APR higher than hoped | Fair or thin credit, higher existing debt or a longer term push the lender's rate up | Compare the total of payments, try a shorter term, or check a credit union as well |
| More emails or calls than expected | Several lenders may respond to one request | Read the consent text before submitting and unsubscribe from messages you do not want |
| Received less than requested | An origination fee was deducted from the deposit | Check the amount financed on the disclosure and borrow slightly more if needed |
| Money arrived a day later | Weekend, holiday or bank processing time | Plan around business days, not calendar days |
| Only one offer arrived | Not every lender responds to every request | Compare that offer with your bank, a credit union or the lenders on our comparison page |
None of these complaints is unusual for a personal loan, or specific to enable loans, and most come from the lender's side of the process rather than the form. We still take them seriously, because they point to the places where expectations and reality drift apart. The page on typical APR ranges and fees explains why two people asking for the same amount can see very different offers, and our comparison of 22 personal loan lenders gives you a benchmark for any offer that arrives.
The one three-star review below is worth reading closely. The writer was satisfied with the personal loan itself but not with the number of messages that followed. Reducing that noise starts before you submit: read the consent language, use an email address you actually check, and unsubscribe from any lender you do not want to hear from.
How to read personal loan reviews without being misled
Read personal loan reviews, including those about enable loans, for patterns rather than single stories, give the low ratings as much attention as the high ones, and remember that no review can predict the APR or approval you will personally receive.
- Look at volume as well as the average. A 4.7 built from thousands of ratings tells you more than a perfect score from a dozen.
- Read the three- and four-star reviews first. They usually describe real friction in a personal loan, such as a slow callback or a fee, in specific terms.
- Match the review to your situation. A $500 appliance repair and a $5,000 debt consolidation involve different lenders, checks and personal loan terms, even when both started as enable loans requests.
- Separate the service from the lender. Comments about APR, funding speed or document requests describe the lender who made the personal loan offer.
- Be wary of sweeping promises. Any review or ad claiming everyone gets approved, or that money always arrives the same day, is not describing how lending works.
Specific details are a good sign. A review that names the amount, the purpose, the term chosen and what happened at each step is more useful than one that only says the experience was great. Every written review on this page carries a tag with the purpose and amount, so you can find people whose personal loan needs look like yours.
Reviews cannot replace the numbers. Before you accept any offer, read the lender's Truth in Lending disclosure, which lists the APR, finance charge, amount financed and total of payments. Our guide to reading a Truth in Lending disclosure walks through each box. A glowing review of someone else's personal loan says nothing about whether your own offer is a good one.
How enable loans reviews are collected and published
Ratings come only from people who used the request form. After submitting, each person can leave a star rating and an optional comment, and we publish comments without changing the wording except to remove personal data.
Anyone who completed the enable loans application can rate the experience, whether or not a lender made an offer and whether or not they accepted one. That matters: if only people who received and accepted a personal loan through enable loans could leave ratings, the average would leave out exactly the people most likely to be disappointed.
- Who can rate: people who submitted the request form. Ratings are not taken from people who never used the service.
- What we change: nothing in the wording, apart from removing personal data such as full last names, phone numbers, email addresses, account numbers and the names of individual lender employees.
- How names appear: first name and last initial, with city and state.
- What the tag shows: the purpose and amount the person mentioned, such as car repair · $1,500.
We do not rewrite reviews of enable loans to sound better, and critical comments are part of what you see here, including reviews about slow callbacks, higher-than-hoped APRs and extra emails. The star average covers all 6,748 ratings, while the 30 written reviews were picked to show a range of purposes, amounts and experiences.
Reviews describe the experience with the enable loans website and with the lender who responded. They are not a promise about the personal loan rate, amount or timing you would receive, because lenders set those terms. To see how the process runs before deciding, the page on how the request form works lays it out step by step.
Using reviews alongside the personal loan offers you receive
Personal loan reviews are most useful before you submit, when they help set expectations, and least useful once an offer arrives, when the lender's disclosure and your own budget should make the decision.
A practical approach for anyone comparing enable loans offers is to read a handful of reviews from people with a similar amount and purpose, note what tripped them up, and plan around it. If several mention a lender callback, keep your phone close for a day or two. If several mention fees, look for the amount financed on each personal loan offer before comparing monthly payments.
People searching for enable loans often want reassurance that the process is legitimate and low pressure, and reviews can supply some of that. The final test is simpler: does the personal loan offer show a clear APR and total of payments, does the payment fit your budget with room to spare, and is it cheaper than the alternatives you can realistically get? If the answer to any of those is no, declining costs nothing and creates no obligation.
If you decide to go ahead, an enable loans request takes a few minutes, and every APR or payment you see before an offer is an estimate. Lenders in our network set the actual personal loan terms, and your rate depends on your credit, income, state and the term you choose.
FAQ
Questions about this page
Can I rate the request form if no lender made me an offer?
Yes. Anyone who submitted the request form can leave a rating and comment, whether or not a lender responded and whether or not they accepted an offer. Including those experiences keeps the average honest.
Are the 4.7 average and the 30 written reviews from the same people?
The 4.7 average covers all 6,748 star ratings. The 30 written reviews come from people who also left a comment, chosen to show a range of purposes, amounts and experiences, including critical ones.
Can I ask to have my review edited or removed?
Yes. Contact us with the email address you used on the request form and we can remove your review or take out personal details. We do not change the wording of a review to make it sound more positive.
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