Last Updated: 04/18/2025
Ascend Personal Loans
Unaffiliated
Last Updated: 04/18/2025
SuperMoney User Recommendation Score -50
Mostly not recommended8 total votes
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Highlights
Community Rating
Mostly not recommended
APR (Fixed APR)
27.49% - 35.99%(Verified 06/21/2024)
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Amount Range
$2,600 - $12,500
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Loan Term (Months)
12 - 24
Number of Reviews
Ascend Personal Loans Review
Ascend Personal Loans is offered by Ascend Consumer Finance, a direct lender founded in 2014 and based in San Francisco, CA. Ascend personal loan are available in 8 states.
Key Takeaways
- APRs starting at 27.49%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Ascend Personal Loans are on the higher end of the spectrum.
- Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
- Prequalified rate. You can check your prequalified rate at Ascend Consumer Finance with a soft pull that will not affect your FICO or VantageScore.
- No origination fee. Ascend Personal Loans does not charge a loan origination fee.
Ascend personal loan Pros & Cons
| Pros | Cons |
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Ascend personal loan FAQ
What interest rates and personal loan terms does Ascend personal loan offer?
Ascend personal loan has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Ascend personal loan offer?
Ascend personal loan offers a fixed APR personal loan product that ranges from 27.49% APR up to 35.99% APR.
How much can you borrow via Ascend personal loan?
Personal loan amounts start at $2,600 and go up to $12,500
What is the maximum loan term you can get with Ascend personal loan?
Ascend personal loan offers loans with terms of up to 24 months.
| Personal Loan Amount | $2600 - $12500 |
| Loan Term | 12 - 24 months |
| APR | 27.49% - 35.99% |
What fees does Ascend personal loan charge?
Does Ascend personal loan charge an origination fee?
Ascend personal loan does not charge a personal loan origination fee.
A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, consider lenders that don’t charge origination fees.
Does Ascend personal loan charge a late fee?
Yes, Ascend personal loan may charge a late payment fee if you miss one of the regularly scheduled payments of up to $18.
Does Ascend personal loan charge prepayment fees?
No, Ascend personal loan does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | No |
| Late Payment Fee | $18 |
What do you need to qualify for Ascend Personal Loans?
Applicants with a credit score of at least 580 and up to 850 may be eligible for Ascend Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Ascend Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Ascend Personal Loans.
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 or other government photo ID
- Proof of citizenship or residence permit
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Application Types Accepted |
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| Credit Score | 580 - 850 |
What is the estimated funding time for a personal loan via Ascend personal loan?
Ascend personal loan will typically fund loans within 1 to 7 business days of approval and clearing necessary verifications.
Does Ascend Personal Loans report your account activity to credit bureaus?
Yes, Ascend Personal Loans reports to the following credit bureau:
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Ascend Consumer Finance perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. Ascend personal loan allows you to check your rates with a soft credit pull.
Are Ascend Personal Loans legit?
Ascend Consumer Finance was founded in 2014, it is a well-established company that has been in business for 12 years. Ascend Personal Loans is mostly not recommended by SuperMoney community users.
Ascend Personal Loans Disclosure: Loan approval is not guaranteed. Actual loan amount and APR are estimates and may vary based on final review of your credit, other factors, and supporting documents. Ascend loan amounts vary from $2,600 to $12,500 and APR varies from 27.49% - 35.99%.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -50, or 2 on a 5-point rating scale.
-50
-1000+100
No one recommends
Everyone recommends
Ascend Personal Loans Community Reviews
Would you recommend Ascend Personal Loans to your friends?
AT
Anthoniette T.
Oct 6, 2023
May or may not recommend
Ascend loans is in other words thievery, the interest rates are super crazy, one day interest is about $30, crazy people
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I looked at a couple different loan options, but what attracted me was the RateRewards idea, where I can earn a lower rate over time. Don't know if I'll be able to do it every month, but we'll see how it goes. Service was great. I was able to put in my documents and they sent me a note that day saying I was approve.
U
Anonymous
Jan 16, 2018
May or may not recommend
I took loan for $10000 for 36 months. I paid $5000 + interest $2828 in 18months. I want to pay off rest $5000 but fined me another $1770 total $6770 even I want to do early pay off. Initial call conversation they informed there wont be any interest if I paid of early. Interest they charged me is 35% for 3 years.
Toni S.
Dec 15, 2017
May or may not recommend
Ascend Funding and its CEO Peter B Tafeen will not stop calling my phone. It is absurd. Ascend Funding, LLC is a DE LLC and they have been sued in Federal District Court in San Diego. The case number is 17cv02507 before Judge Larry Burns. The lawsuit says that Ascend engaged in racketeering by misusing the wires to run their boilerroom scam of telemarketing. Ascend ...Show More
Pradeep S.
May 10, 2017
May or may not recommend
They are scammers! I had a horrible experience dealing with this company who are just another scammers who get ALL the personal information including SSN's and finances just to do identity theft. The guy named Nick Sillaro is so rude with applicants and talks filthy language and abuses on the phone just to get ALL your personal information and then insults the applicants on the phone. NEVER EVER GO TO ...Show More
U
Anonymous
Sep 24, 2016
May or may not recommend
Ascend is a risk taken on not by the consumer financing company but by the consumer itself. They require more personal and financial information than a mortgage or a federal law enforcement position and if not approved or approved they have enough information to put your entire identity and your loved ones at risk. I have never seen anything like it and alternately thank goodness for cash call and Shoreside ...Show More
Maggie L.
Mar 8, 2016
May or may not recommend
they said they approved my application. but after I send all the bank statement and ID . They said the can not appove my loan. Now they had all my inflammation plus inked to my bank account. do not know how to trust this company.
U
Anonymous
Aug 25, 2015
May or may not recommend
I looked at a couple different loan options, but what attracted me was the RateRewards idea, where I can earn a lower rate over time. Don't know if I'll be able to do it every month, but we'll see how it goes. Service was great. I was able to put in my documents and they sent me a note that day saying I was approve.
Showing 8 of 8 reviews
2 other reviews that are currently hiddenOther Services by Ascend Consumer Finance
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