Last Updated: 04/18/2025
SuperMoney User Recommendation Score -79
Strongly not recommended29 total votes
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Highlights
Community Rating
Strongly not recommended
APR (Fixed APR)
35% - 200%(Verified 06/21/2024)
Disclaimer popup with additional information
Amount Range
$100 - $5,000
Loan Term (Months)
N/A
Number of Reviews
Fortiva Personal Loans Review
Fortiva Personal Loans is offered by Fortiva Financial, a direct lender founded in 2011 and based in Atlanta, GA. Fortiva personal loan are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 35%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Fortiva Personal Loans are on the higher end of the spectrum.
- Fast access to funds. If approved, Fortiva Financial will send the money in as little as 24 hours.
- Prequalified rate. You can check your prequalified rate at Fortiva Financial with a soft pull that will not affect your FICO or VantageScore.
- Origination fees start at 2%. Origination fees are deducted from the loan amount, so take them into account when deciding how much you need to borrow.
Fortiva personal loan Pros & Cons
| Pros | Cons |
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Fortiva personal loan FAQ
What interest rates and personal loan terms does Fortiva personal loan offer?
Fortiva personal loan has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Fortiva personal loan offer?
Fortiva personal loan offers a fixed APR personal loan product that ranges from 35% APR up to 200% APR.
How much can you borrow via Fortiva personal loan?
Personal loan amounts start at $100 and go up to $5,000
| Personal Loan Amount | $100 - $5000 |
| Loan Term | N/A |
| APR | 35% - 200% |
What fees does Fortiva personal loan charge?
Does Fortiva personal loan charge an origination fee?
Fortiva personal loan may charge a personal loan origination fee starting at 2% of the personal loan amount . Fortiva personal loan deducts the origination fee directly from your personal loan amount, so make sure you take this fee into account when deciding how much you need to borrow.
Does Fortiva personal loan charge a late fee?
Fortiva personal loan does not disclose whether it charges late payment fees.
Does Fortiva personal loan charge prepayment fees?
No, Fortiva 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 | Starting at 2% |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
What do you need to qualify for Fortiva Personal Loans?
Applicants with a credit score of at least 560 and up to 700 may be eligible for Fortiva Personal Loans. Fortiva Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
| Minimum Age | N/A |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | 560 - 700 |
What is the estimated funding time for a personal loan via Fortiva personal loan?
Fortiva personal loan will typically fund loans within 1 to 7 business days of approval and clearing necessary verifications.
Does Fortiva Financial 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. Fortiva personal loan allows you to check your rates with a soft credit pull.
Are Fortiva Personal Loans legit?
Fortiva Financial was founded in 2011, it is a well-established company that has been in business for 15 years. Fortiva Personal Loans is strongly not recommended by SuperMoney community users.
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.
Message from our editor
What We Love About Fortiva Financial
Fortiva Financial offers financial products such as loans and credit cards to people with subprime credit. Their credit card is an unsecured Mastercard that can be used at places where Mastercard is accepted. Their loans have flexible eligibility requirements to help those with bad credit get approved more frequently.
We love that Fortiva Financial’s products are open to those with bad credit or a difficult financial history. These options allow people to have access to loans and credit cards and build their credit back up over time. The loan approval process is also quick, with most loans being either approved or denied within a week.
What Could Fortiva Financial Do Better?
Because Fortiva Financial’s products are targeted to subprime borrowers, the interest rates are extremely high. For example, depending on your individual credit history and the amount of the loan, interest rates exceed 35%. This means that it can be incredibly expensive for customers to borrow money. It can also be extremely costly if you miss a payment or do not pay on time.
Other customers were dissatisfied with Fortiva’s customer service. Additionally, Fortiva does not allow its customers to apply for a credit limit increase, meaning you are stuck with the limit you are given when you open the card.
Fortiva Financial’s Background
Fortiva Financial is a direct lender founded in 2011 and based in Atlanta, Georgia. The company specializes in offering credit products to U.S. borrowers with “less-than-perfect” credit.
This could mean that the borrower has missed payments, has a high debt-to-income ratio, or has little to no credit history. In any case, each of these factors lowers a person’s credit score and makes it more difficult for them to get a loan. However, Fortiva Financial specifically caters to these customers. They try to provide a variety of loan options regardless of credit.
The Verdict
Whether or not you should open a credit card or borrow money from Fortiva Financial depends on your situation. If you received a pre-approval notice from the company, or if you pre-qualified for a loan on the website, read through the rates and terms thoroughly. Furthermore, it would be wise to figure out the total costs and read reviews from past customers to avoid any surprises down the road.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -79, or 1.4 on a 5-point rating scale.
-79
-1000+100
No one recommends
Everyone recommends
Fortiva Personal Loans Community Reviews
Would you recommend Fortiva Personal Loans to your friends?
TS
Tumuhairwe S.
Oct 11, 2023
May or may not recommend
Mostly people are in need of cash, fortiva should be able to stand in for clients .
SS
Sheila S.
Oct 27, 2020
May or may not recommend
This company will not work with customers. Payment was to be taken out on the 16th, never was taken out, we checked with our bank. Fortiva stated it was insufficient funds (not true)!!! This company WILL NOT give you to a manager, and Fortiva closed our account when we made 3 attempts to make a payment. This company DOES NOT care about their customers, and with the reviews I'm reading, ...Show More
JM
Jimmie M.
Jun 30, 2020
May or may not recommend
I been paying my bill but the loan just goes up. I got the loan last year for 1500 I miss the first payment because I thought that it was auto pay. So the next month they called telling me I miss my payment, so I paid the first payment and paid the second one before it was do and had them setup a auto pay on the 2and of ...Show More
Cherokee R.
Aug 21, 2019
May or may not recommend
After opening this account I received several letters before my first payment was due stating I had no payment until January of 2019. By the time January 2019 came I received late notices and fees. In trying to take care of this matter customer service was no help at all. I tried to consolidate this ridiculously high bill so I could get it paid off. I was told by customer ...Show More
Marquita D.
Aug 5, 2019
May or may not recommend
This is by far the worst company ever. This company would be my last option to anyone. You cant use the card you applied for and have recieved until your billing cycle. Useless!! I would suggest them getting a new system setup. I have a card I cant use till next month.
Loca M.
Jul 5, 2019
May or may not recommend
Terrible financing company. Please do not waste your TIME OR MONEY.
MB
Muho B.
Mar 4, 2019
May or may not recommend
Very bad customer service.I try to stop payment for something that I did not received but they never respond to my Email.When I call after few days some lady (doesn't speak very good English) told me that I have to call my self Ashley Sore and stop the payment that Fortiva send me by Email.
Pg N.
Jan 14, 2019
May or may not recommend
HORRIBLE HORRIBLE HORRIBLE- all kinds of hidden fees...right when you think you've paid off your balance, they will hit you with something else...it's also impossible to get a human being on the phone...I closed my account immediately after paying off balance and then the annual fee- what a scam!!
Jennifer J.
Dec 29, 2018
May or may not recommend
This company is the worst! They call aggravating you before your payment is even due and heaven forbid it actually be a day late because then they’ll aggravate the hell out of everyone you associate with. High financing, rude customer service.
Jg C.
Dec 12, 2018
May or may not recommend
Please Stay away from these people and their business tactics.
TM
Thomas M.
Nov 27, 2018
May or may not recommend
customer service is terrible do not buy creditcard protection they just keep putting you off make it as hard as possible to file a claim.stay away from these crooks....
KT
Kimberly T.
Jun 15, 2018
May or may not recommend
I have many issues with this company. I have called 5 times to obtain information regarding my account due to charges that was not approved and I wanted them to show me my signature and of course they haven't. like I said I have called five times and spoke with 2 supervisors and still nothing. I would be VERY Cautious of this Company before you proceed! BEWARE
No M.
Jun 11, 2018
May or may not recommend
fees galore - avoid no matter what - even a mob shark gives better rates than these crooks
U
Anonymous
May 29, 2018
May or may not recommend
Listen all fellow consumers and listen good, FORTIVA credit card for any merchant (mine was through Home Depot) is the worst of them all!! I strongly recommend anyone to stay away from these liars and thieves who practice unscrupulous business tactics and are a micky mouse company that shouldn't be in the loaning business in the first place. They hire all telephone inquiry staff all overseas so when you contact ...Show More
U
Anonymous
May 29, 2018
May or may not recommend
They will NOT work with you. They only care about your money and any way they can nickle and dime you to death is their best practice. Customer service is rude. Save yourself! AVOID FORTIVA!!!!!!!!!!!!
Steven G R.
May 10, 2018
May or may not recommend
I had a loan but paid it off ASAP. They have the WORST customer service in the world. Cant even talk to a real person. NO NO NO STAY AWAY
U
Anonymous
May 5, 2018
May or may not recommend
they increased my amount on my credit card $800 I paid on time the min. payment for 6mths. Well worth it when you have bad credit! Thank You this will now help my credit score!
U
Anonymous
Apr 29, 2018
May or may not recommend
I would never recommend Fortiva to anyone!! I needed to finance a dental appointment I had, and I got denied for the other company my dentist worked with, but I got approved for Fortiva. I figured hey, if they're partnered with this doctor, it should be all good and legit, right? Well I was wrong. Extremely so. Apparently my date of birth was input incorrectly when I got signed up ...Show More
TD
Tina D.
Apr 28, 2018
May or may not recommend
Easy to qualify for. Be REALISTIC about the interest rate. Use the funds as intended. Fortiva was a life saver
Michael C.
Mar 28, 2018
May or may not recommend
Piece of crap company! Do not get a credit card or any type of loan they will screw you over!! Bad customer service bad APR takes 24 hours to post a payment! Don't do it!
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