Is Together Loans the right fit for you?
Last Updated: 05/06/2026
SuperMoney User Recommendation Score -14
Mostly not recommended21 total votes
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Highlights
Community Rating
Mostly not recommended
APR (Fixed APR)
35.99%(Verified 09/23/2025)
Disclaimer popup with additional information
Amount Range
$3,000 - $10,000
Disclaimer popup with additional information
Loan Term (Months)
36 - 60
Number of Reviews
Together Loans Review
Together Loans is offered by Transform Credit Inc, a direct lender founded in 2018 and based in Chicago, IL. Together Loans are available in 25 states.
Key Takeaways
- APRs starting at 35.99%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Together Loans are on the higher end of the spectrum.
- Fast access to funds. If approved, Transform Credit Inc will send the money in as little as 24 hours.
- No origination fee. Together Loans does not charge a loan origination fee.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Together Loans.
Together Loans Pros & Cons
| Pros | Cons |
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Together Loans FAQ
What interest rates and personal loan terms does Together Loans offer?
Together Loans has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Together Loans offer?
Together Loans offers a fixed APR personal loan product of 35.99%.
How much can you borrow via Together Loans?
Personal loan amounts start at $3,000 and go up to $10,000
What is the maximum loan term you can get with Together Loans?
Together Loans offers loans with terms of up to 60 months.
| Personal Loan Amount | $3000 - $10000 |
| Loan Term | 36 - 60 months |
| APR | 35.99% |
What fees does Together Loans charge?
Does Together Loans charge an origination fee?
Together Loans does not charge a personal loan origination fee.
A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, consider lenders that don’t charge origination fees.
Does Together Loans charge a late fee?
Together Loans does not disclose whether it charges late payment fees.
Does Together Loans charge prepayment fees?
No, Together Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | No |
| Late Payment Fee | No |
What do you need to qualify for Together Loans?
Applicants with a credit score of at least 450 and up to 850 may be eligible for Together Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Together Loans does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Together Loans.
To qualify, applicants may need to provide the following documentation:
- Applicants must have an active and valid personal checking account
- Driver's license or other government photo ID
- Government issued photo ID
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Application Types Accepted |
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| Credit Score | 450 - 850 |
What is the estimated funding time for a personal loan via Together Loans?
Together Loans will typically fund loans within 1 to 2 business days of approval and clearing necessary verifications.
Does Together Loans report your account activity to credit bureaus?
Yes, Together Loans reports to the following credit bureau:
- Experian
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Transform Credit Inc perform a hard credit pull?
Yes, Together Loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Are Together Loans legit?
Transform Credit Inc was founded in 2018. It is an established company that has been in business for 8 years. Together Loans is mostly not recommended by SuperMoney community users.
Together Loans Disclosure: Transform Credit Inc. (“we” or “us”) offers loans only through our website. To obtain a loan from us, you must create an account on our website. To create an account with transformcredit.com, you must (1) be able to access our website by using a personal computer or other device which is capable of accessing the Internet, (2) have an active email account through which you can receive emails from us, and (3) consent to receive information and disclosures electronically in connection with your application for a loan, or your loan, and to sign the loan documents electronically. By clicking the “Apply” on the Apply Page (www.TransformCredit.com/Apply):
You acknowledge that you can access, read and retain information we post on our website or email to you.
You agree to provide an email address that is active and effective for receiving emails from us.
You consent to receive electronically at our website, by PDF, or through email the notices and disclosures related to your account, your application for a loan, and any loan we make to you.
You consent to sign the loan documents electronically.
You acknowledge receiving the following disclosures which are required by the federal Electronic Signatures in Global and National Commerce Act (“ESIGN”). Please read this Federal ESIGN Disclosure and Consent carefully and keep a copy for your records.
Your consent is voluntary, but we cannot process your application or make a loan to you if you do not consent. If you are unwilling to receive these disclosures and notices electronically, you may cancel this transaction at no cost by closing your browser at any time before you click “Apply”
Scope of Communications to Be Provided in Electronic Form
Your consent to receive electronic communications and transactions includes, but is not limited to, all legal and regulatory disclosures and communications associated with your application for a Transform Credit Inc. loan product or service, and any loan product or service we agree to provide you and all associated documents or communications (each, a “Communication”). Your consent will apply to this transaction and all Communications related to this transaction, as well as all future transactions with us.
By submitting your contact information to us, you are expressly consenting to be contacted by us (and our affiliates, agents, assigns and service providers) twenty-four hours a day, seven days a week by telephone, email or postal mail even if you have opted into the national Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List or the Do Not Call List of any specific institution.
Method of Providing Communications to You in Electronic Form
All Communications that we provide to you in electronic form will be provided either (1) via our website, (2) via email or (3) by requesting you download a PDF file containing the Communication.
Copies
If you wish to obtain a paper copy of any of your Communications, you may request a copy at no charge by contacting us at the following address: Transform Credit Inc, 1440 W. Taylor Street, #431, Chicago, IL 60607. We will send your paper copy to you by mail. In order for us to send you paper copies, your current mailing address must be on file with us.
How to Withdraw Consent
You may at any time withdraw your consent to receive Communications in electronic form. If you withdraw your consent before you receive a loan from us, it will prevent you from receiving a loan. Once you receive a loan, you may request Communications in paper form by contacting us at the following address: Transform Credit Inc, 1440 W. Taylor Street, #431, Chicago, IL 60607. Please specify the information you wish to receive in paper form. Be sure to state that you are requesting a copy of the disclosures, notices, etc., and include your name and mailing address. Your request will apply only to those specific items you designate. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal.
How to Update Your Records
It is your responsibility to provide us with true, accurate and complete email address, contact, and other information related to your loan application or any loan product or service we agree to provide you with, and to maintain and update us promptly with any changes in this information. You can update information by calling us on the phone number listed at www.TransformCredit.com/Contact.
Hardware and Software Requirements
To access, view, and retain electronic Communications that we make available to you, you must have all of the following:
A personal computer or other device which is capable of accessing the Internet. Your access to this page verifies that your system / device meets these requirements.Sufficient electronic storage capacity on your computer's hard drive or other data storage unit, and the ability to access, download and store files, including PDF files.A valid email account.Connection to the Internet capable of receiving, accessing, displaying, and either printing or storing Communications received from us in electronic form via email or by access to our website using a browser.
Retaining Copies of the Communications
To retain a copy of any Communication we will provide electronically you can download the electronic copy to your computer or a storage device (such as a disk or USB storage device), or request us to send you an email, or print copies on a printer attached to your computer. You will not be charged for a downloaded or emailed copy.
View Together Loans's published terms & conditions
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Together Loans
Hours of Operation
Sunday
Closed
Monday
8:00AM - 8:00PM
Tuesday
8:00AM - 8:00PM
Wednesday
8:00AM - 8:00PM
Thursday
8:00AM - 8:00PM
Friday
8:00AM - 8:00PM
Saturday
Closed
Other Services by Transform Credit Inc
SuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -14, or 2.7 on a 5-point rating scale.
-14
-1000+100
No one recommends
Everyone recommends
Together Loans Community Reviews
Would you recommend Together Loans to your friends?
Kelly B.
May 28, 2024
May or may not recommend
They have attempted to charge my card, yet, my account is cancelled and furthermore, its not even offered in the state I live in, so, its 5.99 for each attempt because I have no funds right now, I want it back, last i checked its fraud to charge for a service I cant receive
Jorge G.
Dec 20, 2023
May or may not recommend
*SCAM* TRANSFORMCREDIT. Do not give them your information, especially not your close friend or family member with better credit. It is fishing for information to sell. It will be a nightmare for your cosigner and it will be your fault. DO NOT USE! They are NOT accredited with the BBB and have an F from customer reviews.
RG
Rosa G.
Nov 14, 2023
May or may not recommend
Every month they charge the wrong account and always adding all different kinds of fees and now I owe more than what they loan to me and it has been over 2 years
Roksana
Nov 8, 2023
May or may not recommend
Transform Credit were the only ones willing to help me!! Yeah I needed a co-signer, but with my credit noone would lend to me and the process was actually really easy. Great customer service, everyone was very helpful and explained every step. Wish I found them sooner!
MR
Mia R.
Nov 8, 2023
May or may not recommend
I cannot recommend Transform Credit enough; they saved me when I was in a desperate situation! The process is very thorough, but straight forward and always handled very professionally. Unlike so many other lenders, there are no hidden fees that will catch you out. Thank you, Transform Credit!
AH
Amber H.
Nov 3, 2023
May or may not recommend
Transform Credit has been a God send for me! I have taken out 2 loans with them over the past few years and the process has been smooth. Really appreciate the effort they put into preventing fraud. Definitely recommend!
Jon B.
Nov 2, 2023
May or may not recommend
Help me when others wouldn't. Got myself in a difficult position and needed help. They changed my life and now everything is looking up
JA
Jose Antonio H.
Nov 1, 2023
May or may not recommend
Transform credit really helped me out when I was in a bad place and everyone else turned me away. I had crushing medical debt and was behind on my rent but they were able to help me out fast enough to meet my deadlines. I could have lost everything but was literally saved by this company and have managed to boost my credit on top of that! The process was ...Show More
MS
Mo S.
Nov 1, 2023
May or may not recommend
Transform helped me out! My credit is really bad and these guys helped me get the money I really needed to fix my truck and keep working to feed my family. All I needed was a cosigner who trusted me with good credit, and I was approved. Quick and easy, and the money hit my account the next day. They really saved me.
KB
Kelly B.
Nov 1, 2023
May or may not recommend
Transform Credit are a great option for customers with bad credit who shouldn't have to turn to the likes of payday lenders. If you have a co-signer that trusts you, they will trust you too.
BG
Ben G.
Nov 1, 2023
May or may not recommend
It was easy to fill everything out, along with the help available if needed. I felt secure about giving my information to a very professional worker that I talked to. Very helpful and got my money in less than 24 hours.
L
Sep 19, 2023
May or may not recommend
Run run run, never get a loan with this company, this company doesn’t help credit!
IB
Ilaya B.
Aug 30, 2023
May or may not recommend
Just no. You can't get anyone on the phone once you get your loan. They constantly email you, and the co-signer no matter what you do with your loan. Payments, and requests will prompt a notification to your co-borrower. They will urge your co-borrower to make additional payments. Meanwhile, to pay more on your loan than the monthly amount you must do an ACH transfer. NO EXCEPTIONS!!! Nope, requesting a ...Show More
KB
Kinberly B.
Jul 19, 2023
May or may not recommend
False advertisement. They say your co-signer needs a credit score of 750+ *OR* they need to be a homeowner. My co-signer is a homeowner with a credit score of 680 and we were declined bc her credit score is not 750. My credit score is 670, so it’s not like we’re working with horrific credit. If you need both a 750 credit score AND be a homeowner, that needs to ...Show More
LL
Lotty L.
Mar 6, 2023
May or may not recommend
Hard to get a hold of somebody! Save yourself from headaches!
Kim S.
Jan 9, 2023
May or may not recommend
I have had a problem every month with them taking extra money, when they refund the extra payment they then call my co-signer and tell them it's in default. I never get to talk to anyone, someone called my co-signer and told them to tell me to make sure I had money in my account and that it was late and they were taking it from them, 2 hours later ...Show More
Michael M.
Dec 10, 2022
May or may not recommend
They had opened a loan in my name for 3000.00 I had to do a hard freeze on my credit acounts. Now I'm having to close out my bank account because it's compromised. I will be suing this company. For fraud. I have never once applied for a loan with this company or ever heard of them until emails of an application came through. They said my loan has been ...Show More
SS
Sara S.
Sep 22, 2022
May or may not recommend
They do a hard credit check without letting the borrower know. It is not possible to get hold of someone to speak with. I emailed a couple of times and never received a proper answer. I felt no real person was answering my emails, and it was auto-reply.
JJ
Jerome J.
Feb 8, 2022
May or may not recommend
This company is fraudulent!! They asked for my personal information and then created a binding contract without disbursing any funds. Afterwards, they denied the loan and requested a co-signer which I didn't present, because I asked to withdraw my application. The following day they withdrew money from my bank account without my knowledge and authorization. I will pursue suing them for fraud and identity theft. Do not deal ...Show More
ST
S. T.
Aug 31, 2021
May or may not recommend
We will NEVER USE TRANSFORM CREDIT AGAIN!!
Sadly, we had not read the reviews for this company. Since they were with BBB, we thought they were reputable. We started our loan with these selfish people October 28, 2018. Our loan amount was $7,000 and have been "paying them" since then. Today, 2021, we thought we had given them our "last payment," which would bring it to paying these people $11,000 ...Show More
Showing 20 of 21 reviews
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