Nine Torches

Nine Torches

in Payday Loans from LDF Holdings


Nine Torches


in Payday Loans from LDF Holdings

SuperMoney Net Recommendation Score -56%



Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Strongly not recommended

2 users recommend
0 users are unsure
7 users don't recommend
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Community Rating Strongly not recommended
Loan Amount $300 - $1,200
Loan Fee N/A
Minimum Monthly Income N/A
Number of Reviews 9

Nine Torches Review

Nine Torches is offered by LDF Holdings, a direct lender founded in 2012 and based in Lac Du Flambeau, WI. Nine Torches is available in 45 states (and Washington, DC).

Nine Torches FAQ

What are the Nine Torches rates & fees?

These loans are meant as a short-term source of credit but if you calculate the annualized percentage rate of those fees you get rates ranging from 780%.

How much can you borrow from Nine Torches?

Loan amounts start at $300 and go up to $1,200.

What do you need to qualify for Nine Torches?

Nine Torches does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Nine Torches does not have or does not disclose a minimum annual income eligibility requirement. Nine Torches only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Nine Torches. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Nine Torches. Permanent resident / green card holders are also eligible to apply. If you are a non-resident looking to access these services through an entity incorporated in the U.S., you are in luck. Nine Torches will consider you for their services.

To qualify, applicants may need to provide the following documentation:

  • Applicants must have an active and valid personal checking account
  • Proof of income
  • Proof of identity

Does Nine Torches run credit checks?

Yes, Nine Torches will check your credit when you apply for a loan.

What is the estimated funding time for a payday loan via Nine Torches?

Nine Torches will typically provide a credit approval decision in less than an hour and fund the loan within 3 business days.

For more information on payday loans, tribal loans, and their alternatives, read this guide.

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  • Headquarters
  •   597 Peace Pipe Rd 2nd Floor
    Lac Du Flambeau, WI 54538
  •   Visit Site

About Nine Torches


  Available in 45 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Washington
  • West Virginia
  • Wyoming

Feature Breakdown

Checking Account Required
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • Non-Residents Through Entities Incorporated in the U.S.
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Military Dependent
  • Veterans
Minimum Age 18
Verification Documents Required
  • Proof of Identity
  • Proof of Income
APR Starting at 780%
Loan Amount $300 - $1,200

Nine Torches Community Reviews


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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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