FundsJoy Reviews: Is Funds Joy Legit Or A Cheap Lender With Bad Credit?


FundsJoy is a personal loan website with loans ranging from $200 to $5,000.

FundsJoy is designed to be quick and easy. With FundsJoy, you can fill out a form in 10 minutes and get a loan within 24 hours or 1 business day.

Does FundsJoy live up to its reputation? How does FundsJoy work? Read on to find out everything you need to know about FundsJoy in our review.

What is FundsJoy?

FundsJoy is a personal loan company that you can find online at

Like other personal loan websites, FundsJoy works with a network of lenders. When you fill out an application on, you get lenders competing for your business. FundsJoy displays several offers and you choose the best one for your needs.

You can borrow anywhere from $200 to $5,000 depending on your credit rating and income.

FundsJoy is a free service. It is free to apply for a loan through FundsJoy and connect with a lender. Although every lender charges interest rates and fees, FundsJoy itself is free to use.

How does FundsJoy work?

FundsJoy is designed to be as easy to use as possible. This is how it works:

Step 1) Submit a request: Filling out FundsJoy’s online application takes about 10 minutes. There are no papers to fill out. Just fill out a few details and then click “Get Started” to start the online application.

Step 2) Check offers: FundsJoy will display multiple offers based on your income and credit score. Browse offers by interest rate, fees, and total loan cost. Then sign the deal via email and get ready to enjoy the money.

Step 3) Get the money: The money arrives in your account shortly after the deal is electronically signed. Lenders use direct deposit to deposit funds into your account. Most lenders deposit funds within one business day, or about 24 hours. Once the money is in your account, you can spend it however you like. It’s your money.

That’s it! FundsJoy has designed its lending process to be as quick, easy and transparent as possible.

FundsJoy features and benefits

FundsJoy emphasizes all of the following features and benefits:

Fast, reliable and transparent: FundsJoy has designed its website to be as fast, reliable and transparent as possible.

No hidden fees or charges: FundsJoy is free for applicants and there are no hidden fees or charges. When you review lenders through FundsJoy, you can view each lender’s fees and interest rates to avoid surprises. Overall, FundsJoy values ​​maximum transparency.

Private and secure: FundsJoy wants users to be able to make requests without worrying about data security threats or other obligations.

Easy and fast: Filling out FundsJoy’s online form takes less than 10 minutes. After entering basic personal and financial information online, submit the form and start looking at loan offers right away.

Available from any internet-connected device: You can access FundsJoy using a phone, tablet or computer.

Claim $200 to $5,000: Whether you need a few hundred dollars or a few thousand dollars, you can get the payment you need through FundsJoy. Lenders might offer the exact amount you requested. Or you may have different offers based on your income and credit history.

ALSO READ: MoneyMutual reviews

FundsJoy Loan Requirements

To borrow money through FundsJoy, you must meet the following requirements:

  • Legal residency in the United States
  • Age 18 or older
  • Have a stable source of income

FundsJoy’s lending requirements are similar to other lenders. You must provide information such as your name, contact information, and social security number in order to receive a loan through FundsJoy. You must also provide proof of income, e.g. B. a payslip or other source of income. The more income you can prove, the more money you can borrow through FundsJoy.

FundsJoy creditworthiness requirements

FundsJoy and its lenders may verify your creditworthiness before offering credit. Like others credit websitesFundsJoy makes it easier to get a good credit loan than a bad one.

However, less than perfect credit does not prevent you from getting a loan. Submit a request to see what credit options are available with your credit rating.

Here are the credit rating levels in the FundsJoy application:

  • I do not know
  • Excellent (720+)
  • Good (680 to 719)
  • Fair (640 to 679)
  • Poor (639 or less)

The higher your balance, the more loan offers you will receive on the best possible terms. However, having a low credit score (or an unknown credit score) does not prevent you from getting a loan. Some lenders specialize in bad credit loans.

FundsJoy income requirements

During the application process, FundsJoy asks for your monthly income.

You can choose amounts like:

  • Less than $1,500
  • $1,501 to $2,000
  • $2,001 to $3,000
  • $3,001 to $4,000
  • $4,001 to $5,000
  • More than $5,000

The more income you earn, the more loan offers you will receive. Like a payday lender, FundsJoy can give you a cash advance before your next paycheck.

FundsJoy requests your employer’s phone number to verify your employment status. However, FundsJoy claims never to contact employers: it only uses this information to verify your employment.

If you receive paychecks by direct deposit, that’s a good thing for lenders. FundsJoy provides you with further funding offers. However, you can still receive paycheck credit offers via paper checks and other methods.

How to deposit funds into FundsJoy

In the final phase of the application, FundsJoy will ask for your sort code to identify your bank or credit union.

Your routing number is unique to your bank. You can find the routing number on each of your checks. Or you can check online.

Once you have applied to a particular lender, that lender will ask for your account number. You use this account number to fund your account.

How much does FundsJoy cost?

FundsJoy is a free service. The company does not charge users any additional fee for acting as an intermediary between you and a lender.

Like other personal loan sites, FundsJoy gets lenders to compete for your business. FundsJoy accepts payments from lenders for each successful applicant, but applicants pay nothing.

Each lender has its own fees, interest rates, and other fees for the loan. Check the lender’s fee structure before agreeing to a loan.

FundsJoy Reviews: What are Users Saying?

There is limited information online about FundsJoy and the average user experience.

However loud Better business officeFundsJoy has closed 7 complaints in the last 3 years, giving the company an overall rating of F.

A few independent review websites have reviewed FundsJoy over the past 3 years, although reviews are mixed.

Overall, FundsJoy is a legit lending platform, although few reviews are available online today.

About FundsJoy

FundsJoy provides limited information about itself online. Here’s how the company explains its business model on its About Us page:

“With our expert knowledge of the market, we can facilitate your financial recovery by finding you a reliable source of money. With minimal requirements and an unmatched speed of the whole process, you get a chance to get through the tough times and move forward in the short term without straining your shoulders.”

Furthermore, we know little about FundsJoy’s location or background. However, since FundsJoy is not a lender (they are an intermediary between lenders and borrowers), this information is unnecessary.

After to the Better Business BureauFundsJoy is based in Oakland, California.

You can contact FundsJoy as follows:

FundsJoy’s BBB profile launched in September 2019 and it appears the company was founded around the same time.

Last word

FundsJoy is an online lender that makes loans ranging from $200 to $5,000 to customers in the United States.

If you are 18 years old, have a steady job and need money fast, then FundsJoy could help you. The site works with dozens of lenders to offer borrowers multiple options to suit their unique needs.

To learn more about FundsJoy and how it works, or to borrow money through FundsJoy today, Visit the official website at >>>

ALSO READ: Best Bad Credit Loans – Review the best bad credit lenders of 2022

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