Your pre-qualified loan offer is waiting.^‡

Get funds in as little as 24 hours^#
Reduce your rate with on-time payments^♢
No pre-payment penalties

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How much would you like to borrow?

Use a whole dollar amount. Do not add cents.

What is the purpose of your loan?

Checking won’t impact your credit score.^†

Excellent verified Trustpilot

Reduce your interest rate 2% points every 6 months.

Just make on-time payments to qualify
Reductions are applied automatically

FAQs

Q: How soon can I see a rate reduction?

A: After you make on-time payments for 6 consecutive months, your interest rate will automatically be reduced by 2% points.

Q: Is the interest rate drop permanent?

A: Yes. Every time you complete 6 consecutive months of on-time payments, your interest rate will be permanently lowered by 2% points.

Q: Will my payment go down?

A: Yes. The lower interest rate will be reflected by a lower payment. You are still welcome to make the original, or higher, payment if you would like to pay down your loan faster.

Q: What if I have trouble making a payment?

A: We want to see your financial success. If you have trouble making a payment, please contact one of our friendly representatives.

Q: How many times can my interest rate be reduced?

A: With consecutive on-time payments, you can reduce your interest rate every 6 months for the duration of your loan. Your interest rate will not be reduced below the program minimum interest rate of 24%.

Q: What is an on-time payment?

A: A payment is considered on time if we receive it on the due date. If your payment is late, it will not affect any interest rate reductions you’ve already earned. Once you receive a rate reduction, it becomes permanent—even if you make a late payment later.

Q: What happens if I make a late payment?

A: A late payment will not affect any rate reductions that have already been applied to your loan. However, with a late payment, the clock starts over for qualifying for the next rate reduction as there must be 6 months of consecutive on-time payments.

Details

The number of consecutive on-time payments required to complete a full 6 month period will depend on your payment schedule. The number of payments per schedule are as follows: Bi-Weekly payments = 13 payments, Semi-Monthly payments = 12 payments, and Monthly payments = 6 payments.

The rate reduction program is applicable only to loans with an APR greater than 29.99% and with loan repayment terms greater than 6-months. Your interest rate will not be reduced below the program minimum interest rate of 24.00%.

The effective date of rate reduction is the day after the last eligible on-time payment. The APRs vary for each loan depending on a variety of factors such as loan amount, term, number of days between disbursement and first repayment date, origination fees, etc. Maximum APR is dependent upon the program in which you are participating. If applicable, please see your mailer for additional details and pertinent information.

Do you have a pre-qualification code or invitation code?

If you received a letter from Personify in the mail, it will be on the letter.

Required *

Pre-Qualification Code *

Yes, I have a code.

No, I don’t have this.
(That’s okay! You can apply anyway.)

Let’s verify your email address.

This is required to make sure we can send you emails about the loan process.

Enter your email address
Click “Send Verification Email”
Click the link in the email once you receive it

Required *

Email Address *

Congrats !

Your pre-qualification is verified.

To get started, please confirm the information below.

Personal Details

Required *

Name
None

None

First Name *

Last Name *

Residential Address

Required *

Address *

PO boxes are not allowed.
Address 2
City *
State *

Zip *

Let’s start with your basic details.

Required *

First Name *

Last Name *

Zip Code *

How it Works

Getting a loan is simple

Complete the Application

Supply necessary information on our secure online loan platform.

Get Approved

Our decision engine evaluates your eligibility, providing quick approvals.

Receive Your Funds

Once approved, get the funds you need in as little as one business day!^#

Why Personify

Your success is our priority.

No pre-payment penalties

Get funds in as little as 24 hours^#

Secure & private online platform

Free access to your FICO® score

Real customer support

Money management resources

Reviews

See what our customers are saying.

have questions?

Personal loan FAQs

No. For any loan originated on our platform, you can pay off your loan at any time without paying a pre-payment fee.

We can usually deposit your money into your checking account in as little as one business day.^#

How soon we deposit funds depends on the day of the week and time of day you are approved and e-sign your loan agreement. We try to make deposits the next business day, excluding weekends and holidays, but it may take up to 2 business days. Actual availability of funds depends on your financial institution’s policies.

The amount you’re eligible to borrow depends on your creditworthiness at the time you apply online and program parameters. Please see our Rates, Terms and Licensing Information for more information about the loan terms and programs available in your state.

Yes. We believe there’s more to understanding your particular financial situation than just your credit score. We are able to include many factors besides credit history in our loan evaluation process.

Yes — we use 256-bit SSL encryption to safeguard your information during transmission, the same level of security used by banks. Your privacy and security are our top priority at every step of the application process.

Still have questions?

We're here to answer your questions Monday-Friday - 8:00 AM to 9:00 PM CT
Saturday - 8:00 AM to 5:00 PM CT.

1 (888) 578-9546

^#Funds are disbursed on the next business day, if approved and signed by you by 11:59 PM CT. Actual availability of funds depends on your financial institution’s policies.

^†We may perform a "soft" inquiry to show you available offers for which you may be qualified. Soft inquiries do not affect your FICO® score. If you choose to submit an application for credit, we will perform “hard” inquiries which may affect your credit score.

Your pre-qualified loan offer is waiting.^‡

Do you have a pre-qualification code or invitation code?

Let’s verify your email address.

Your pre-qualification is verified.

Personal Details

Residential Address

Let’s start with your basic details.

Getting a loan is simple

Your success is our priority.

See what our customers are saying.

Personal loan FAQs

Is there a pre-payment fee?

How fast will I get the money?

How much can I borrow?

Can I apply if my credit is less than perfect?

Is your application secure?

Your pre-qualified loan offer is waiting.‡

Do you have a pre-qualification code or invitation code?

Let’s verify your email address.

Your pre-qualification is verified.

Personal Details

Residential Address

Let’s start with your basic details.

Getting a loan is simple

Your success is our priority.

See what our customers are saying.

Personal loan FAQs

Is there a pre-payment fee?

Is there a pre-payment fee?

How fast will I get the money?

How fast will I get the money?

How much can I borrow?

How much can I borrow?

Can I apply if my credit is less than perfect?

Can I apply if my credit is less than perfect?

Is your application secure?

Is your application secure?

Verify Address

Your pre-qualified loan offer is waiting.^‡