Align Income Share Funding
in Personal Loans from Align Income Share Funding
Claimed Visit Site Get Personalized RatesAlign Income Share Funding
in Personal Loans from Align Income Share Funding
Would you recommend Align Income Share Funding to your friends?
| Community Rating | Mostly not recommended |
| APR (Variable APR) | 37% - 94% |
| Loan Amount | $1,500 - $12,500 |
| Loan Term (Months) | 24 - 60 months |
| Number of Reviews | 28 |
Align Income Share Funding Review
Align Income Share Funding is offered by Align Income Share Funding, a direct lender founded in 2011 and based in Chicago, IL. Align Income Share Funding is available in 7 states across the USA.
- Uses a variable APR. This is uncommon for personal loans. If interest rates rise in the future it could make the monthly payments more challenging. Personal loan interest rates typically range between 5% and 36%. The starting rates for Align Income Share Funding are on the higher end of the market.
- Fast access to cash. In some cases you can get your money within 1 business day.
- Fair credit accepted. The credit score needed for Align Income Share Funding is relatively low. Borrowers with a credit score as low as 600 may qualify for Align Income Share Funding.
- No origination fee. Align Income Share Funding does not charge a loan origination fee.
- Minimum income of $20,000. You will need an annual income of at least $20,000 to apply for Align Income Share Funding, which is below average for the lenders in our database
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What rates and terms does Align Income Share Funding offer?
Align Income Share Funding has higher interest rates than the average for lenders reviewed on SuperMoney.
What APR rate does Align Income Share Funding offer?
Align Income Share Funding offers a variable APR personal loan product that ranges from 37% APR up to 94% APR.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.
How much can you borrow via Align Income Share Funding?
Loan amounts start at $1,500 and go up to $12,500
What can a personal loan from Align Income Share Funding be used for?
Personal loans from Align Income Share Funding are typically used for special purchases, debt consolidation, home improvement projects, weddings, medical expenses & procedures, unexpected expenses or similar purposes.
What is the maximum loan term you can get with Align Income Share Funding?
Align Income Share Funding offers personal loans with terms ranging from 24 to 60 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.
| Loan Amount | $1500 - $12500 |
| Loan Term | 24 - 60 months |
| APR | 37% - 94% |
What fees does Align Income Share Funding charge?
Does Align Income Share Funding charge an origination fee?
Align Income Share Funding does not charge a loan origination fee.
A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.
Does Align Income Share Funding charge a late fee?
Yes, Align Income Share Funding may charge borrowers a late payment fee.
Does Align Income Share Funding charge prepayment fees?
No, Align Income Share Funding does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.
| Origination Fee | N/A |
| Prepayment Fee? | No |
| Late Payment Fee | N/A |
What do you need to qualify for Align Income Share Funding?
Applicants with a credit score of at least 600 and up to 700 are eligible for Align Income Share Funding. The minimum age to be eligible is 18 or the state minimum, whichever is higher.To qualify for personal loans with Align Income Share Funding, applicants need a minimum annual income of $20,000 or higher. Align Income Share Funding only considers borrowers who are employed and meet the minimum income requirement.
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 Align Income Share Funding. Their rates fall within the limits of The Military Lending Act.
U.S. citizens are, of course, eligible for the services offered by Align Income Share Funding. Permanent resident / green card holders are also eligible to apply.
To qualify, applicants may need to provide the following documentation:
- Applicants must have an active and valid personal checking account
- Recent pay stubs
- Proof of income
- Driver's license
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Application Types Accepted |
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| Credit Score | 600 - 700 |
What is the estimated funding time for a personal loan via Align Income Share Funding?
Align Income Share Funding will typically approve (or deny) a loan application within 24 hours and fund personal loans within 3 business days of approval.
Availability
- Arizona
- California
- Delaware
- Florida
- Illinois
- Montana
- Wisconsin
Align Income Share Funding Community Reviews
Would you recommend Align Income Share Funding to your friends?
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