FundsJoy Reviews: Is Funds Joy Legit or Cheap Bad Credit Loan Lender?

FundsJoy is a personal lending website with loans of $200 to $5,000.

Designed to be fast and simple, FundsJoy lets you complete a form in 10 minutes and receive a loan within 24 hours or one business day.

Does FundsJoy hold up to its reputation? How does FundsJoy work? Keep reading to discover everything you need to know about FundsJoy in our review.

What is FundsJoy?

FundsJoy is a personal loan company found online at

Like other personal lending websites, FundsJoy partners with a network of lenders. When you complete an application on, you get lenders competing for your business. FundsJoy displays multiple offers, and you pick the best one for your needs.

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

FundsJoy is a no-cost service. It’s free to apply for a loan through FundsJoy and connect with a lender. Although each 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. Here’s how it works:

Step 1) Submit a Request: It takes around 10 minutes to complete FundsJoy’s online application. There’s no paperwork to fill out. Just complete a few details, then hit “Get Started” to begin the application online.

Step 2) Check Offers: FundsJoy displays multiple offers based on your income and credit score. Browse the offers based on interest rate, fees, and total lending cost. Then, e-sign the deal and get ready to enjoy the money.

Step 3) Receive the Money: Funds arrive in your account soon after e-signing the deal. Lenders use direct deposit to deposit funds into your account. Most lenders deposit funds within one business day, or around 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 fast, easy, and transparent as possible.


FundsJoy Features & 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 to use, and there are no hidden fees or charges. When you check lenders through FundsJoy, you can view each lender’s fees and interest rates to avoid any surprises. Overall, FundsJoy emphasizes maximum transparency.

Private and Secure: FundsJoy wants users to submit requests without needing to worry about threats to data security or any other obligations.

Simple and Quick: It takes fewer than 10 minutes to complete FundsJoy’s online form. After entering basic personal and financial information online, you submit the form and immediately view lending offers.

Available from Any Internet-Connected Device: You can access FundsJoy through a phone, tablet, or computer.

Request $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 could offer the exact amount you requested. Or, you might have different offers based on your income and credit scores.

ALSO READ: MoneyMutual Reviews

FundsJoy Borrowing Requirements

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

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

FundsJoy’s borrowing requirements are similar to other lenders. You must provide information like your name, contact information, and Social Security Number to receive a loan through FundsJoy. You also need to provide proof of income, like a paystub or other source of income. The more income you can prove, the more money you can borrow through FundsJoy.

FundsJoy Credit Score Requirements

FundsJoy and its lenders may check your credit score before offering a loan. Like other lending websites, FundsJoy makes it easier to get a loan with a good credit score than a bad one.

However, having a less-than-perfect credit score doesn’t prevent you from getting a loan. Submit a request to determine which borrowing options are available with your credit score.

Here are the credit score tiers on FundsJoy’s application:

  • I don’t know
  • Excellent (720+)
  • Good (680 to 719)
  • Fair (640 to 679)
  • Poor (639 or less)

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

FundsJoy Income Requirements

During the application, FundsJoy asks how much income you earn per month.

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 lending 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 to never contact employers: it just uses this information to verify your employment.

If you receive paychecks via direct deposit, then that’s a good thing for lenders. You will receive more funding offers through FundsJoy. However, you can still get lending offers for paychecks via paper check and other methods.

How to Deposit Funds with FundsJoy

At the final stage of the application, FundsJoy asks for your routing number to identify your bank or credit union.

Your routing number is unique to your bank. You can find the routing number on any of your checks. Or, you can look it up online.

Once you complete an application with a specific lender, that lender will ask for your account number. They use this account number to deposit money into your account.

How Much Does FundsJoy Cost?

FundsJoy is a no-cost service. The company does not charge an extra fee to users for acting as the middleman between you and a lender.

Like other personal lending websites, FundsJoy gets lenders competing for your business. FundsJoy takes payment from lenders for each successful applicant, but applicants do not pay anything.

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

FundsJoy Reviews: What Do Users Say?

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

However, according to the Better Business Bureau, FundsJoy has 7 complaints closed in the last 3 years, giving the business an overall rating of F.

Some independent review websites have rated FundsJoy over the last 3 years, although reviews are mixed.

Overall, FundsJoy is a legitimate lending platform, although there are few reviews 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 unsurpassed speed of the entire process, you get the chance to go through the tough times and move forward without a burden on your shoulders in the short term.”

Beyond that, we know little about FundsJoy’s location or background. However, because FundsJoy is not a lender (they’re a middleman between lenders and borrowers), this information is unnecessary.

According to the Better Business Bureau, FundsJoy is based in Oakland, California.

You can contact FundsJoy via the following:

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

Final Word

FundsJoy is an online lender distributing loans of $200 to $5,000 to customers across the United States.

If you are 18, have a steady job, and need money fast, then FundsJoy could help. The website partners with dozens of lenders to provide borrowers with multiple options for 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 Top Bad Credit Lenders of 2022

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