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. 
  • Loan Amount
    $1000 - $10000
  • Payment Options
    • Automatic Payments
    • Check by mail
    • Credit/Debit Card
  • APR
    35% - 199%
  • Max Loan Term (Months)
  • Checking Account Required?
  • Credit Score Range
    560 - 750
  • Immigration Status Considered
    U.S. Permanent Resident
  • Military Status
    • Non-Military
    • Veterans
  • Minimum Age
  • Supported Income Types
  • Verification Documents Required?
    • Recent pay stubs
    • Proof of citizenship/residence
  • No Prepayment Fee
  • Origination Fee
    Up to 5%
  • Institution Type
    Direct Lender
  • Approval Speed (Hours)
  • Pre-Approved Soft Credit Inquiry
  • Funding Time
    1-7 days
  • Credit Bureau Reporting
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0 votes

Absolutely terrible. People most likely have to take out these loans and are willing to pay 100% interest because they are usually desperate. After applying in a time of need because I saw mail that said “funds within 24 hours” then providing my online banking login information, I was still asked for a ton of docs. ok, fine.. submitted them within hours of them asking me. Got another email saying they didn’t go through. Submitted again! Then the next day I get an email asking for a voided check ... ... submitted that. Then I got yet another email saying I didn’t submit what the asked for. I called and was told the paystubs We’re missing which I had already submitted two tanks. So they gave me an email address and verified that they receive the email and saw the paystub and I would have a decision in the next day. Lo and behold I get an email the next day! It says the documents are there. The supervisor tells me no email was ever received for me even though the one that talk to me yesterday told me he could look at the screen and see my paystub. After being on the phone over 45 minutes they finally told me they found the email I resent to them and I would have a decision within yet another 24 hours. This is by far the worst process I’ve ever seen in my life. More Less

0 votes

Got a loan for $7,000.00. Made monthly payments never late. Spoke with some from Personify to get payoff they gave an amount paid off early. This they took another $249.00, for as they say interest from September 13 to the 30, but get this I paid the loan off on the 13 of September, they add the amount on the days after loan was paid. They should have never done this. So very, very bad company. It also took a week for someone to call me back. Will ... never ever do business with this company, and advise don't do it either. Not very trusting. So no good rating. More Less

0 votes

I received the loan in which I was happy but after making 2 payments, I was double charged. I received a call on 7/3 to notify me and they wanted me to alert my bank to stop payment. My bank was closed so could not do. Both payments came out but then today I get a call from Fiona stating only one payment was done even though my bank shows 2. She then wanted me to send her all my bank account info so I took a picture of just ... the 2 withdraws so they had no other information. I emailed it to the address given but received an email back that it does not except incoming emails. I called after contacting an attorney and asked for their physical address which they said they didn't have one. I told them if that money is not refunded in 24 hours, I am taking the next legal steps against them and in doing this and giving me 3 different stories in 2 days violated their contract. More Less

0 votes

Worst company ever to do business with. They made the loan process simple and easy. Money received quickly. I have a payment plan enforce-payments taken out of my account bi-monthly. I receive harassing calls and emails regularly that my account is past due. I can't wait to pay off my loan.

0 votes


0 votes

Most people seem pissed that they charge high prices and or got denied. Well you should read everything. I receivedetter like everyone else and had money in my accounting the next day. Used to consolidate bills and never pay the minimum due. It is a loan shark. But loan shark exist for a reason. My credit sucks and I have had perfect payments and totally responsible since I turned 30. Over 10 years. So banks won't look at me. I on the other hand make a ton of money legally. ... So go a special circumstance it works. I have not completely paid off so I will repost after if they do what they say they will do. More Less

0 votes

I received a "pre-qualification" letter and couldn't believe how anyone would ever get these loans.

These guys are too muxh!!!!!

They offer me a 36 month $2600 would end up costing me over $14,000 .. It's crazy!!!!!! I need the money but thanks!!!!! Maybe someone else but not me.

0 votes

I've applied for a loan and since they approved me for a much higher amount that I needed for my needs, I decided to go with them. Initially everything seems like it will be fine. Until, they indicated that the loan was disbursed on 12/15 and on 12/17 I still have not received the funds. After contacting the company, the rep indicated that I inputted the wrong checking account number and had me submitted the corrections on Saturday. She told me it may take 24-48 business hours for the correction ... and I should be expecting the funds. It is now Wednesday 12/21 and still no funds. But interest has been accruing since 12/15. I've contacted the company, and the rep was not able to provide me not even an estimated time of when this will be resolved. I've decided to withdraw the loan application because now it seems suspicious that I am not able to get an answer to when this would be resolved. The rep then indicated that I will be notified if I will be responsible for the interest accrued. Which I informed her, this is horrible business practice, unethical and sounds like a total scam. She informed me that I've signed the loan agreement and I informed her that I do not denied that fact, but I never received the funds. I would be more than happy to be responsible for the interest on money that I have borrowed, if that was the case. I read the reviews and was skeptical from the beginning, but wanted to fair that not everything I read is necessarily the fact. But, please do not do business with this company. What kind of lending organization is unable to provide you with any kind of details regarding the process except for the customer to wait. I gave it almost a week for resolution and yet it has not been resolved nor were they able to provide me with answer that I make me at ease that it will be resolved. I will have to wait to see if they will make me responsible for interest on funds that I have never received and will keep everyone posted. This is horrible horrible business practice. I must add, I don't see myself entering a wrong checking account number to begin with. And if you read down the review, someone had similar problems as mines. I should have known. And if the account number is indeed incorrect, the ach would of been sent back by now. It has been 4 business days. I cannot believe lender guide or whoever referred this business would even allow such company to be in business. Overall horrible experience. More Less

1 votes

I received a "pre-qualification" letter and couldn't believe how anyone would ever get these loans.

These guys are loan sharks and only financial illiterate applicants would fall for this.

Read the fine print. They CHARGE 98-180% interest per year.

A 36 month $3,500 would end up costing you $18.9k....

0 votes

This place is a joke after receiving a pre-approved letter in the mail I still was denied after putting in all my personal info. Don't waste your time with the company!!!!!!!

0 votes

Very unprofessional, very unorganized people. After more than 10 days waiting and calling, I was told that I didn't submit the documents which I already submitted from the beginning on time and my application was expired. If I need to continue the process , I have to reply again. Please don't even waist your time.

0 votes

I got a loan from this company in 24 hours. Very easy process. Thanks Personify.

0 votes

Got a Pre-qualification letter in the mail. Applied online, gave them my banking info and got rejected.

Thanks for wasting my time Personify! Do not invite people to apply for your loan if you are not serious about giving one out.

0 votes

Really good option and one of the best out there. Super fast application processing and easy to use. You can only apply through lending tree tho.

0 votes

Went through the application process and was approved but their website froze as I submitted my E-signature. Customer service wasn't hard to reach at first and they claim that their system was frozen and would give me a call back when it was back up and running. I never received a call back from them. I went to the My Account website to see if everything had gone through and I could not access that site at all. Some weird message kept popping up and when I tried to call ... them back to see what was going on, No one answered. It has been two days now and their website states that money will be deposited in as little as 24 hours. Well it is well past that time frame and no money, Even after I was approved and gave them My account information and signed an E-signature! A hard inquiry was placed on my credit history and I am angry that I can't even get through to them. Seems like they refuse to answer when something goes wrong. I wouldn't recommend them to anyone. They need to fix a lot of things and not send customers on a wild goose chase then refuse to respond to their calls! And by the way, where it says "what service did personify provide", none of those responses matched my experience. They provided no service to me, we did not connect, I tried to move forward but could not get a hold of them More Less

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