Is Jenius a legal bank?
Jenius Bank is an online lender, the digital banking department of SMBC Manubank and a SMBC member, a global banking organization. The Jenius brand is new as of July 2023, but it has hundreds of years of banking experience behind it.
Jenius Bank uses advanced security measures to protect your information from electronic threats. It also has a clear and detailed privacy policy that can be displayed on its website, and there is an option to set your data preferences.
What makes Jenius to shine?
It is great that Jenius does not receive any fees for its personal loans. This position is a departure from most lenders who usually receive at least late fees, if not construction fees or other fees.
We also like it provides customer support around the clock a clock throughout the week, which is something that you don’t see much.
Where it is deficient in Genius
It is strange that you cannot apply for a personal loan from Jenius Bank directly from Jenius, especially as it is a direct lender. Instead, you should apply through Karma or Lindingtree’s credit. But it is not clear. We called the question, and the customer service representative just said they do not do so and need to go to a third party. A spokesman for the company has continued and said Jenius was exploring new options to provide the loan through other channels. Jenius Bank serves loans, however, as soon as you agree.
Jenius also does not list its requirements to qualify – even if you call the question – which makes it difficult for borrowers comparing them for other options before applying. Lindingtree says in her review of Jenius that requires a credit degree 680, but we could not confirm this.
Genius Bank loan details
| The minimum credit/credit range | 680 |
| April | 9.49 % to 23.49 % (includes automated pilot discount) |
| Loan | $ 5,000 to $ 50,000 |
| conditions | 36 to 72 months |
| Approval | Once the next business day |
| Availability | Not available in: Hawaii, Nevada, and Wisconsin |
| expenses | Jenius does not charge the fees of origin, late fees, or pre -payment penalties |
| Other fees | no one |
Contact Information Jinius
| Phone number | 844-453-6487 |
| Customer service hours | 7/24 |
| Unveiled | |
| Q, previously Twitter | @Jeniusbank |
| Genius Bank |
Calculate your monthly loan payments
Use our personal loan to compare monthly loan payments based on different interest rates and loan conditions.
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Based on the terms of your loan
| major | $ |
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| interest | $ |
| The total cost | $ |
How to qualify for Geneos’ personal loans
Jenius does not enter into many details about how to qualify for its loans, but we were able to reveal some of the basics.
- 680 credit degrees
- At least 18 years old
- It works or with an ordinary source of income
- American citizen
How to apply
Since you cannot apply for a Jenius personal loan directly from the lender, you will need to pass either through Karma or LindingTree’s credit. If you are a carma credit member, you can log in to review your offers and one of this offer may be an offer from Jenius. If so, follow the steps resulting from an application.
If you are not a member of Karma credit or passed on the LindingTree site, you can only apply for a personal loan in general. Their requests will be fill online and will be submitted for up to five offers – one of which may be from Jenius.
How is Jenius Bank compared to other lenders
What is the degree of the researcher?
Finder Score Reduces 6+ types of personal loans across 50+ lenders. It takes into account the interest rate, fees and features of the product, as well as the type of loan, for example, the investor, the variable, the fixed rate – this gives you a simple degree of 10.
Read the collapse of the complete researcher’s degree
Jenius Bank reviews and complaints
| BBB certified | no |
|---|---|
| BBB classification | A+ |
| BBB customer reviews | 5 of 5 stars, based on one customer reviews |
| TrustPilot degree | 1.8 out of 5 stars, based on 46 reviews for customers. |
| Customer reviews have been checked as of | March 11, 2025 |
Jenius Bank does not have a BBB Business Office page (BBB), but his mother company, SMBC Manubank, do not. However, although it contains the A+ classification, it is not approved and there is only one review. Jenius Bank only started providing personal loans in 2023, which may explain the lack of reviews.
It does not have a lot of reviews on TrustPilot as well, most of which are not great, although most negative comments revolve around savings accounts, not loans. However, some auditors of loans complained of having to download an excessive amount of documents, the problem in accessing a loan specialist and obtaining a loan even with a good credit degree.
What do people say on Redit?
A few people claim that they have personal loan problems from Genius Bank, but most customers who are published in Radit give the company to praise. Positive reviews are cited with rapid financing, good rates, easy application and useful customer service.
Related questions
Does applying for Jenius loan affect my credit degree?
When you fill out the initial demand for Credit Karma or Lindingtree, there is a credit examination for me to choose it. If you get a offer from Jenius and decide to follow up with the request, a difficult credit examination will be needed, which usually causes your grades to temporarily drop a few points.
How do I make my Jenius personal loan payments?
You have several options to choose from. The easiest way is to create Autopay – and earn a 0.25 % average discount – and automatically deduct your monthly payment from your account. Or you can download the Jenius Bank for the mobile phone or log in to your JeniusBank.com account and make your payments from there. You can even go to the old school and send a mail check if you prefer it.
