Where does Fortiva Personal Loans do business?

Fortiva Personal Loans is a direct lender based in Atlanta, GA. It was founded in 2011 and offers access to personal loans in 50 states (and Washington, DC).

What range of rates does Fortiva Personal Loans offer?

Fortiva Personal Loans offers personal loans with APRs starting at 35% and up to 200%.

Does Fortiva Personal Loans charge an origination fee?

Yes, Fortiva Personal Loans charges a loan origination fee starting at 2% of the loan amount. Fortiva Personal Loans deducts the fee directly from your loan amount before depositing your money, so make sure you take this fee into account when deciding how much you need to borrow. 

Does Fortiva Personal Loans charge a late fee?

Yes, Fortiva Personal Loans may charge borrowers a late payment fee.

Does Fortiva Personal Loans charge prepayment fees?

Yes, Fortiva Personal Loans charges additional fees to borrowers who pay off their loans soon than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a loan early.

How much can you borrow from Fortiva Personal Loans?

Loan amounts start at $100 and go up to $5,000.

What is the maximum loan term for a Fortiva Personal Loans personal loan?

Fortiva Personal Loans offers personal loans with a maximum term of 30 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.

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

Applicants with a credit score of at least 560 can apply for a loan via Fortiva Personal Loans.

Active duty servicemembers and their covered dependents cannot apply for a loan via Fortiva Personal Loans. The Military Lending Act prohibits lenders from charging servicemembers more than a 36% APR.

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

Fortiva Personal Loans will typically approve (or deny) a loan application within 24 hours and fund personal loans as soon as 1 business day of approval.

  • Max Loan Term (Months)
  • Institution Type
    Direct Lender
  • Credit Score Range
    560 - 700
  • Immigration Status Considered
    U.S. Permanent Resident
  • Joint Loan Applications Accepted
    Only Individual Applications
  • Military Status
    • Non-Military
    • Veterans
  • Origination Fee
    Starting at 2%
  • Approval Speed (Hours)
  • Funding Time Range (in days)
    1 - 7
  • Pre-Approved Soft Credit Inquiry
  • Loan Amount
    $100 - $5000
  • APR
    35% - 200%
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