Align is a new type of lender that provides fast loans with flexible payment schedules to people with near prime credit. Instead of charging borrowers interest in the traditional sense, Align requires them to pay a percentage of their income for a set period of time. This is called an Income Share Agreement (ISA). If their income drops or they lose their job, the loan payments drop accordingly. The company was launched in 2011 by Nathan Popkins. It has already issued millions of dollars in ISAs to thousands of customers, and its growth is accelerating. Align is based in Chicago, IL, and has an A+ rating with the BBB. 

How Does Align Work?

Align provides cash in exchange for a small percentage (10% or less) of a borrower's income. Align doesn't require any collateral so borrowers can use the money for whatever they want, from debt consolidation to home repairs or medical bills.

Align views the new financing structure as an investment in borrowers that struggle to find credit elsewhere. If the borrower has a reduction in income, payments to Align go down, potentially all the way to zero if someone becomes involuntarily unemployed.  Payments to Align will also increase proportionally if the customer’s income rises, customers can repurchase their ISAs from Align as soon as they are able,  Repurchase rates vary based on each contract and are provided once an application is completed.

What Are Align's Rates and Fees?

Because of the way Income Share Agreements work it’s impossible to say exactly how much interest a borrower will pay on a loan. It all depends on how much the borrower’s wages fluctuate during the period the Income Share Agreement is in place. However, Align provides a series of scenarios that specify the equivalent rate that will be paid in each scenario. According to Align, the average equivalent rate on loans has been in the mid-double-digit APRs.

We applied for Income Share Agreements with incomes varying from $50,000 to $100,000 and terms ranging from 4 to 5 years. The equivalent APRs ranged from 37% APR to 94% APR.

How Much Money Can I Borrow From Align?

Align provides loans ranging from $1,500 to $12,500.

Which States Does Align Operate In?

Align operates in Delaware, Georgia, Utah, Illinois, and New Mexico.

What Is Align's Application Process Like?

Align has an online application that only takes a few minutes to complete. Once you complete it, Align will give you a no-obligation quote for you to consider. At this stage, Align does not make a hard credit inquiry, so there is no risk to your credit if you decide to check your rate.

If you are interested in the Income Share Agreement, Align will request your permission to run a credit check and verify your bank account to check the information you provided in your application and verify your identity. Borrowers must have a credit score of at least 600 and an annual income of $22,000 or more.

Borrowers who satisfy Align’ eligibility criteria and provide the necessary information can receive their funds within one or two business days.

How Is Align Better Than Other Lenders?

Align provides mid-double-digit APRs to borrowers with poor credit. These rates are certainly not low, but they are much better than a payday loan. The application process is fast, and funds can be transferred within one business day. 

One advantage Align has on other lenders is that payments are flexible. If you lose your job or your hours are cut, your payments will also drop.  In certain circumstances, they could drop down to zero. The only catch is that payments also increase if your income increases.

  • Loan Amount
    $1500 - $12500
  • Payment Options
    • Automatic Payments
    • Check by mail
    • Credit/Debit Card
  • APR
    37% - 94%
  • Max Loan Term (Months)
  • Credit Score Range
    600 - 700
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Non-Military
    • Veterans
  • Minimum Annual Income
  • Supported Income Types
    • 1099 Misc. Income
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Verification Documents Required?
    • Recent bank statements
    • Recent pay stubs
    • Driver license (or other photo ID)
  • No Origination Fee
  • No Prepayment Fee
  • Institution Type
    Direct Lender
  • Approval Speed (Hours)
  • Pre-Approved Soft Credit Inquiry
  • Funding Time
    Next business day
  • Credit Bureau Reporting
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0 votes

This company is very unprofessional. After submitting my application on line; one of their representatives asked me to take a picture of my driver's license and my Com Ed bill. They already had two check stubs. Then the representative asked me for another check stub. After seven days the company deny me stating that I have to work an average of 35 hrs per week. But, the check stub notated that I was paid for complete hours not at ... work. In fact, all three check stubs add up to $5,887.64. I proven the ability to pay, but I can't get a loan and they have all my personal information. Stay away from this unfair and unprofessional company. They wasted my time; don't let them waste yours! More Less

0 votes

Great!!! From the beginning to end really fast and easy...when I could not get money else where they came through so I could clear some issues I had up! I know people complain about interest but I can payoff early without penalty. Thanks Miguel u were great through whole process big help!!!

0 votes

Don't do it! My review has to be ten words or more...But to keep from writing a book about my experience so far with this company. I just want to say (don't do it) That sums it all.

0 votes

A great experience. Helped me out with any questions I had and were quick to reply and break everything down when needed to help me understand.

0 votes

I can say that the process was fast & easy Angela was very professional as well as informative about the loan & what was needed of me she's very polite & courtesy with a friendly voice, loan was approved hoping for continuous success going forward will update review in a couple months !! Thank you Angela for your PROFESSIONALISM

0 votes


0 votes

Yeah got excited because I was told that I was approved. And they had me on the phone they took all my information then they disapproved me. Lots of time lost on that one.

0 votes

Staff was very courteous and professional. Painless experience.

0 votes

Just received approval of funding...very professional...very seamless process....definately recommend.

0 votes

Very quick, very helpful, nice people. I like how my payments aren't fixed.

0 votes

Scam company wasted 2 days sending them stuff and giving them personal information after told was approved then later denied. I believe this company just attempts to get your personal information for whatever reason. I now had to notify the credit bureaus to look out for fraud from them

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