( 3 reviews ) is a loan matching service that specializes in providing borrowers with a selection of lenders that can offer them short term, payday loans, a type of loan that ranges between $100 and $1000 with quick pay back periods. 

How Does RubikLoan Work? does not actually supply borrowers with the money they wish to borrow directly. Instead they are a website that promises to match people with lenders that can meet their borrowing needs, based on the information they collect which will be considered by the lenders themselves. 

The specific information requested by your lending institution may vary, but the website says that in order to borrow, customers will need to employed at current job for at least 90 days, a US citizen or permanent resident over the age of 18, have an income of at least $1,000 each month after taxes, and an active checking account.

After you submit your information, your request will be submitted to more than one hundred lenders at a single time. Though this website promises to work with people of all different credit levels, there are many different limitations on what states they can operate in, so this may result in borrowers being denied a loan.  


If you do successfully receive loan offers, it is important that you go through all the Terms and Conditions of the loan, ensuring that you understand all the legal requirements you are agreeing to if and when you accept the money they are offering you. 

Cost/Price Plans

Using this website to find a lender who will work with you is completely free, but the cost of accepting a short term installment loan depends on many different factors. The first and most obvious is the amount of you have borrowed, combined with the length of time you take to pay it back, and the interest rate that is being applied. 

In addition, borrowers will want to pay close attention to agreements that will apply additional fees or charges during the term of your loan for actions like late payments, loan extensions, and more.  

Refund Policy

Personal installment loans do not have Refund Policies, but they may have periods during which they can canceled and the borrowed money can be returned without any payment of interest or penalties. Customers should speak directly to the lender or check to see whether this information is included in the terms of the loans that are provided to you.

Customer Service Contact Info

Customers who are interested in contacting Customer Service with questions, concerns, or complaints can do so by phone at 866-971-7538, by email at [email protected], or by submitting them directly to their website through their Contact Us link at the bottom of their webpage.


Unfortunately there are not many reviews available from customers and borrowers at this time. However, there are certain things to consider about this company before deciding to work with them to find a lender.

Customers who use to find a loan lender will ultimately get matched with companies that are short term lenders or “payday lenders.” These types of short term lenders are extremely controversial for the high interest rates and fees they apply to their loans, which is why some states ban their operation. 

When you are dealing with these kinds of companies, there are many different things to consider in order to protect yourself from predatory lending. offers helpful information on how to spot a predatory lender and what to consider when dealing with a payday lender. 

Competitors and Alternatives?

There are many different websites that offer this same type of free service, where they match up borrowers with qualified lenders, including,, Speedy Net Loan, and many more. 

If you have experience with or their products, please leave your reviews below.

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Hidden cost and no refunds
September 15, 2021
I have found that this company is a scam. I was told I was eligible for a $4000 loan, I signed the papers I paid a $195 for the insurance and then I was told I had to pay $320 for the Illinois state tax because they made a mistake and could not deal with loans in Illinois email, even though they told me that that they would cover the money. I had to pay it first now I am struggling to get my refund back.

July 19, 2019
Watch out they will ask you for $195.00 for insurance cause your credit score is to low then they will call back and say they need to pay $475.00 for state to state transfer tax!!! That they will pay it then they call back and say oh they can’t pay it you have to!!! Don’t do any of it!!! It’s illeagal for a loan company to ask for fees. It usually comes outta the loan and loans have to be written up and signed

Potential scam
July 17, 2019
I went to for assistance in getting a loan. Got a prepaid American Express card for $175 to pay for my PPI, (payment protection insurance) with the promise I will get my loan so I can get back on track with my bills that I am behind on. They called me saying they needed $500 for the state of California tax. Sadly I'm still without a loan, and they say it will take up to 15 business days to process my $175 refund into my checking account.

JoanSmith September 09, 2021

I wish I knew all of this before I applied. They were always asking me to pay for first the insurance, then some fees to the state I live in then some taxes they said several times that they tried to make a deposit.but it was always returned to them then they said they would send me the money via money gram or WESTERN UNION, but I had to pay the fees. A fee of $395. Which I did not have. If I did why would I need a loan. I am going to call and ask them for refund on that so called insurance.