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Ascend Personal Loans

in Personal Loans from Ascend Consumer Finance

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Out of Business

Ascend Personal Loans

in Personal Loans from Ascend Consumer Finance

SuperMoney Net Recommendation Score -67% 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.

Strongly not recommended

1 user recommends
0 users are unsure
5 users don't recommend
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Highlights
Highlights
Community Rating Strongly not recommended
Loan Amount $2,600 - $12,500
APR  (Fixed APR) 27.49% - 35.99%
Loan Term 12 - 24 months
Number of Reviews 6

Ascend Personal Loans Review

Ascend Personal Loans is a personal loan offering by Ascend Consumer Finance, a direct lender based in San Francisco, CA. Founded in 2014, Ascend Consumer Finance offers access to personal loans in 8 states across the USA.

What rates and terms does Ascend Personal Loans offer?

Ascend Personal Loans has higher interest rates than the average for lenders reviewed on SuperMoney.

What personal loan APRs does Ascend Personal Loans offer?

Ascend Personal Loans offers a fixed APR personal loan product that ranges from 27.49% APR up to 35.99% 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 Ascend Personal Loans?

Loan amounts start at $2,600 and go up to $12,500.

What can a personal loan from Ascend Personal Loans be used for?

Personal loans from Ascend Personal Loans are typically used for special purchases, debt consolidation, home improvement projects, weddings, unexpected expenses or similar purposes.

What is the maximum loan term you can get with Ascend Personal Loans?

Ascend Personal Loans offers personal loans with terms ranging from 12 to 24 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.

Ascend Personal Loans Rates & Terms
Loan Amount $2600 - $12500
Loan Term 12 - 24 months
APR 27.49% - 35.99%

What fees does Ascend Personal Loans charge?

Does Ascend Personal Loans charge an origination fee?

Ascend Personal Loans 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 Ascend Personal Loans charge a late fee?

Yes, Ascend Personal Loans may charge borrowers a late payment fee of up to $18, which is triggered if you're 10 days late.

Does Ascend Personal Loans charge prepayment fees?

No, Ascend Personal Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

Ascend Personal Loans Fees
Origination Fee N/A
Prepayment Fee? No
Late Payment Fee $18

What do you need to qualify for a loan with Ascend Personal Loans?

Applicants with a credit score of at least 580 can apply for a loan via Ascend Personal Loans . The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

To qualify for a Ascend Personal Loans loan, applicants need a minimum annual income of $35,000 or higher. Ascend Personal Loans only considers borrowers who are employed and meet the minimum income requirement.

Active duty servicemembers and their covered dependents are eligible to apply for a loan via Ascend Personal Loans. 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:

  • Driver's license
  • Applicants must have an active and valid checking account
  • Proof of citizenship or residence permit
  • Recent pay stubs
  • Proof of income
Ascend Personal Loans Eligibility Criteria
Minimum Age 18
Bank Account Required? Yes
Joint Applications Accepted? Yes
Credit Score 580 - 850

What is the estimated funding time for a personal loan via Ascend Personal Loans?

Ascend Personal Loans will typically approve (or deny) a loan application within 24 hours and fund personal loans within 7 business days of approval.

Does Ascend Personal Loans report loan payments to credit bureaus?

Ascend Personal Loans may report credit data to the following credit reporting agencies:

  • Transunion
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...

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About Ascend Personal Loans

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 8 states
  • Alabama
  • California
  • Georgia
  • Illinois
  • Missouri
  • Oregon
  • South Carolina
  • Utah

Feature Breakdown

No Origination Fee  
No Prepayment Fee  
Late Fee After (number of days) 10
Late Fee Amount $18
Minimum Age 18
Credit Score Range 580 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Annual Income $35,000
Bank Account Required  
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • 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)
  • Proof of citizenship/residence (Green Card)
Loan Amount $2.6K - $12.5K
Loan Term 12 - 24 months
APR (Fixed APR) 27.49% - 35.99%

Ascend Personal Loans Community Reviews

 
 

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