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Align Income Share Funding

in Personal Loans from Align Income Share Funding

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Align Income Share Funding

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in Personal Loans from Align Income Share Funding

SuperMoney Net Recommendation Score -18% 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.

Mostly not recommended

11 users recommend
1 user is unsure
16 users don't recommend
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Highlights
Highlights
Community Rating Mostly not recommended
Loan Amount $1,500 - $12,500
APR  (Variable APR) 37% - 94%
Loan Term 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 offered in 7 states across the USA.

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 personal loan APRs 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.

Align Income Share Funding Rates & Terms
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.

Align Income Share Funding Fees
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.

Only U.S. citizens and permanent residents can apply for a loan.

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

  • Applicants must have an active and valid checking account
  • Recent pay stubs
  • Proof of income
  • Driver's license
Align Income Share Funding Eligibility Criteria
Minimum Age 18
Bank Account Required? Yes
Application Types Accepted
  • Individual Applications
  • 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.

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    Contact

    • Headquarters
    •   30 N. Lasalle
      Chicago, IL 60602
    •   Visit Site

    About Align Income Share Funding

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 7 states
    • Arizona
    • California
    • Delaware
    • Florida
    • Illinois
    • Montana
    • Wisconsin

    Feature Breakdown

    No Origination Fee  
    No Prepayment Fee  
    Minimum Age 18
    Credit Score Range 600 - 700
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Minimum Annual Income $20,000
    Bank Account Required  
    Employment Statuses Considered
    • Employed Full-Time
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Supported Income Types
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Joint Loan Applications Accepted
    • Individual Applications
    Verification Documents Required
    • Proof of Income
    • Recent Pay Stubs
    • Driver License (or other photo ID)
    Loan Amount $1.5K - $12.5K
    Loan Term 24 - 60 months
    APR (Variable APR) 37% - 94%

    Align Income Share Funding Community Reviews

     

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