VeteranLoansOnline Review

ByAlex McomieJul.15, 2021
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In a Nutshell

VeteranLoansOnline is a lending marketplace for VA mortgages and refinancing loans. By answering a few questions about your military service, financial situation, and mortgage needs, VeteranLoansOnline will match you with a suitable lender. The process is simple and enables borrowers to quickly narrow down their mortgage search.


  • Easy application process
  • Offers mortgages and refinancing loans
  • Quickly connect to a lender for an initial consultation


  • Not a direct mortgage lender
  • No customer support

VeteranLoansOnline at a Glance

Direct lender or marketplace Marketplace
Loan types VA loans and refinancing
Loan amount Depends on lender
Repayment terms Depends on lender
APR Depends on lender
Suitable for Borrowers who are eligible for a VA loan

Visit VeteransLoansOnline


VeteranLoansOnline is a lending marketplace specializing in VA loans. VA loans are given by private lenders, but they’re also guaranteed by the VA itself, which allows lenders to offer significantly lower rates. After answering a few quick questions, you’ll get matched with VA lenders.

Suitable For?

If you’re starting to look for VA loans, VeteranLoansOnline is a good way to get information about the right options for you. While VeteranLoansOnline isn’t a lender itself, it will direct you to suitable third-party lenders based on your unique profile.

Types of Loans

  • Eligibility: VA members only
  • Required credit: no explicit minimum
  • Down payment: variable (specify during application process)
  • APR: depends on your lender and credit history

VeteranLoansOnline connects users with VA loans for home purchases as well as refinancing. While there’s no specific minimum credit score, you’ll only be eligible for a loan from a limited selection of lenders if  you have a low credit score. 

The Application Process

VeteranLoansOnline will ask some basic questions about your credit history and desired loan in order to match you with the best lenders for your situation.

  • First, you’ll need to type in your military branch along with whether you want a mortgage or refinancing loan. 
  • The next step involves entering the location and type of your home as well as your rough credit score. 
  • Finally, VeteranLoansOnline requires some last details such as the home’s price, your employment details, your down payment percentage, and whether you want a fixed or adjustable rate.

The application itself only takes a few minutes, but you will need to enter an email address to view available loans. Once you’ve finished answering questions, VeteranLoansOnline will use your information to match you with a lender. 

Rates and Fees

To learn more about the rates and fees offered by VeteranLoansOnline’s lending partners, you’ll have to finish the application process and visit each lender’s website. 

Repayment Terms

VeteranLoansOnline doesn’t ask users about their repayment preferences as part of its questionnaire, however, you should be able to connect with lenders that offer both 15- and 30-year loans. 

To learn about the repayment terms offered by each of VeteranLoansOnline’s partner lenders, you’ll have to complete the questionnaire, get matched with a lender (or lenders) and click out to the loan provider’s website for more information. 

Help and Support

The VeteranLoansOnline website doesn’t provide any specific contact information other than a physical address. VeteranLoansOnline is operated by a separate company called LowerMyBills, and the physical address listed on is the same one listed at


What are VA loans?

VA loans are provided by private lenders, but backed by the authority of the Department of Veterans Affairs. Their guarantee mitigates risk for the lender, allowing them to offer lower rates.

Who is eligible for VA loans?

Eligibility for VA loans depends on when you served and how long you served for. If you’ve served in the last 30 years, for example, you should be eligible as long as you served for 24 continuous months or at least 181 days of active duty. Click here for more information about VA loan eligibility.

Is VeteranLoansOnline a direct lender?

VeteranLoansOnline is not a direct lender. The website will direct you to a third-party lender based on the information you submit during the application process.


4859 W Slauson Ave #405, Los Angeles, CA 90056

Visit VeteranLoansOnline


While VeteranLoansOnline isn’t a direct lender, but rather a lending marketplace for VA mortgages and refinancing loans, it’s an easy way to get started if you’re in the market for a VA loan. The website’s questionnaire is quick and will pinpoint potential lenders that suit your financial needs. After choosing a lender, you’ll have to navigate to its website where you’ll fill out an application. 

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