in Personal Loans from Personify




in Personal Loans from Personify

SuperMoney Net Recommendation Score -74% 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

4 users recommend
1 user is unsure
29 users don't recommend
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Community Rating Strongly not recommended
Loan Amount $1,000 - $10,000
APR 35% - 199%
Loan Term (Months) 12 - 36
Number of Reviews 34

Personify Review

Where does Personify do business?

Personify is a direct lender based in San Diego, CA. Founded in 2015, Personify offers access to personal loans in 26 states across the USA.

What rates and terms does Personify offer?

Personify has higher interest rates than the average for lenders reviewed on SuperMoney.

What personal loan APRs does Personify offer?

Personify offers a personal loan product that ranges from 35% APR up to 199% 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 Personify?

Loan amounts start at $1,000 and go up to $10,000.

What can a personal loan from Personify be used for?

Personal loans from Personify 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 Personify?

Personify offers personal loans with terms ranging from 12 to 36 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.

Personify Rates & Terms
Loan Amount $1000 - $10000
Loan Term 12 - 36 months
APR 35% - 199%

What fees does Personify charge?

Does Personify charge an origination fee?

Personify charges a loan origination fee of 0% to 5% of the loan amount. Personify 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 Personify charge a late fee?

Yes, Personify may charge borrowers a late payment fee

Does Personify charge prepayment fees?

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

Personify Fees
Origination Fee 0% - 5%
Prepayment Fee? No
Late Payment Fee N/A

What do you need to qualify for a loan with Personify?

Applicants with a credit score of at least 560 can apply for a loan via Personify . The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

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

To qualify, applicants may need to provide the following documentation:

  • Applicants must have an active and valid checking account
  • Proof of citizenship or residence permit
  • Recent pay stubs
  • Personify Eligibility Criteria
    Minimum Age 18
    Bank Account Required? Yes
    Joint Applications Accepted? Yes
    Credit Score 560 - 750

    What is the estimated funding time for a personal loan via Personify?

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

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    About Personify


    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 26 states
    • Alabama
    • Alaska
    • Arizona
    • California
    • Delaware
    • Florida
    • Georgia
    • Hawaii
    • Illinois
    • Indiana
    • Kansas
    • Kentucky
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Ohio
    • Oklahoma
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Washington

    Feature Breakdown

    No Prepayment Fee  
    Origination Fee 0% - 5%
    Minimum Age 18
    Credit Score Range 560 - 750
    Immigration Status Considered
    • U.S. Permanent Resident
    Bank Account Required  
    Military Status
    • Non-Military
    • Veterans
    Joint Loan Applications Accepted
    • Individual Applications
    Verification Documents Required
    • Recent Pay Stubs
    • Proof of citizenship/residence (Green Card)
    Loan Amount $1K - $10K
    Loan Term (Months) 12 - 36
    APR 35% - 199%

    Personify Community Reviews


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