Strongly not recommended
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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 are the APRs offered via Personify?
Personify has a variable APR that ranges from 35% up to 199%.
Does Personify charge an origination fee?
Yes, 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.
How much can you borrow via Personify?
Loan amounts start at $1,000 and go up to $10,000.
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.
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:
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.
- Rhode Island
- South Carolina
- South Dakota
- U.S. Permanent Resident
- Only Individual Applications
- Recent Pay Stubs
- Proof of citizenship/residence (Green Card)