Personify is a new online lender that offers unsecured personal loans to prime and subprime borrowers at reasonable rates. The lender is based in San Diego, California, and has a B rating with the BBB.

Loans are available in Alaska, Alabama, Arizona, California, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Kansas, Kentucky, Minnesota, Missouri, Mississippi, Montana, Nebraska, Ohio, Oklahoma, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah and Washington.

How Do Personify's Loans Work?

Personify is carving itself a niche as a provider of fast loans at reasonable prices for people with not-so-great credit. None of Personfy's loans have rates above 199% APR and it uses a proprietary risk assessment model that looks at more than borrowers' credit score. This makes it possible for people with all types of credit to qualify. 

Personify's loans are unsecured personal loans. No need to provide property as collateral. There are no prepayment penalty fees, so paying off your loans early will save you money in interest.

What Are Personify's Rates and Terms?

Personify's rates vary depending on where you live, your credit profile, loan amount and loan term length. The rates range from 35% APR to 199% APR. In some states, there is a 5% origination fee and in some states there is no origination fee. There is a late fee for borrowers who don't make payments on time. 

How Much Can You Borrow From Personify?

Maximum and minimum loan amounts also vary from state to state. Loan amounts range from $1,000 to $10,000. 

How Is Personify Better Than Other Lenders?

  • Personify provides a fast source of cash to borrowers who don't qualify for traditional loans or credit cards.
  • Rates are by no means low, but they are competitive (35% APR to 199% APR) when compared to payday loans and other high APR lenders.  
  • Payment schedules are flexible and terms vary from 12 to 48 months.
  • Personify's eligibility criteria doesn't only consider a borrower's credit score. It also looks into other factors that traditional lenders don't measure. This gives borrowers with poor credit a chance to qualify. 
  • Max Loan Term (Months)
  • Institution Type
    Direct Lender
  • Bank Account Required?
  • Credit Score Range
    560 - 750
  • Immigration Status Considered
    U.S. Permanent Resident
  • Joint Loan Applications Accepted
    Only Individual Applications
  • Military Status
    • Non-Military
    • Veterans
  • Minimum Age
  • Verification Documents Required?
    • Recent Pay Stubs
    • Proof of citizenship/residence
  • No Prepayment Fee
  • Origination Fee
    Up to 5%
  • Approval Speed (Hours)
  • Funding Time Range (in days)
    1 - 7
  • Payment Options
    • Automatic Payments
    • Check by mail
    • Credit/Debit Card
  • Pre-Approved Soft Credit Inquiry
  • Loan Amount
    $1000 - $10000
  • APR
    35% - 199%
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