Personify is a new online lender that offers unsecured personal loans to prime and subprime borrowers at reasonable rates. It is based in San Diego, California, but as of October 2015 it only offers loans in Georgia and Missouri. It has an A- rating with the BBB

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 interest rates above 99% 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.

  • If you live in Georgia, your rate will vary between 20.99% and 59.99% APR.
  • If you live in Missouri, the interest rates range from 20.99% to 99.99%.

Personify does not charge an origination fee or any other type of disbursement fee. However, there is a $15 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. In Missouri, loan amounts range from $1,000 to $10,000. However, in Georgia, loan amounts vary from $3,100 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.
  • Interest rates are by no means low, but they are extremely competitive (20.99% to 99.99% APR, as of Octobre 2015) 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.





  • Credit bureau reporting
  • Interest APR
    20.99% - 99.99%
  • Joint loans available
  • Loan Amount
    $1000 - $10000
  • No late fees
  • Max Loan Term (Months)
  • Lend to military?
  • Institution Type
    Direct Lender
  • Approval Speed (Hours)
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0 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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