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Last Updated: 04/18/2025

Ascend Personal Loans

in Personal Loans from Ascend Consumer Finance

Last Updated: 04/18/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Mostly not recommended8 total votes

2 users recommend

6 users don't recommend

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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

No prepayment penalty.
No origination fees.
Considers applicants with fair credit.
Get funded in as little as 1 business day.

APRs as high as 35.99%.
No co-sign option available.

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.

Ascend personal loan Interest Rates & Loan Terms

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.

Ascend personal loan Fees

Origination Fee

Prepayment Fee

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

Ascend personal loan Eligibility Criteria

Minimum Age

Bank Account Required?

Yes

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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3701 Sacramento St

#442

San Francisco, CA 94118

(800) 497-5314

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