Personify Personal Loans: 2022 Review, Rates

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Personify personal loans

Commissions

5% Origin Fee (except in GA, SC), $ 25 to $ 30 late fee

April

19.00% – 179.50%, varies by your state

Personify Personify Personal Loans

Commissions

5% Origin Fee (except in GA, SC), $ 25 to $ 30 late fee

April

19.00% – 179.50%, varies by your state

April

19.00% – 179.50%, varies by your state

Commissions

5% Origin Fee (except in GA, SC), $ 25 to $ 30 late fee

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You can get a Personify installment loan in 25 states:

  • Alaska
  • Alabama
  • Arizona
  • Delaware
  • Florida
  • Georgia
  • Idaho
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • New Mexico
  • Ohio
  • Oklahoma
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Washington
  • Wisconsin

Most states allow you to choose between a 12, 18, 24, 36, or 48 month period. You can borrow from as little as $ 500 to as high as $ 15,000. Your April will range from 19% to 179.50%.

However, borrowers in Georgia and South Carolina will find slightly different numbers:

Pros and cons of Personify personal loans

Personify is the best solution for people with low credit who have run out of other loan options. Borrowers who want their money quickly can also appreciate Personify, as it finances loans within one business day.

Remember that if you have a low credit score you may have to pay very high interest rates that could add hundreds or thousands of dollars to the cost of your loan. If you have a good credit score, you can probably get better deal from a lender other than Personify.

How Personify Personal Loans Compare

How does Personify

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Editor’s rating

3/5

A five-pointed star

A five-pointed star

A five-pointed star

A five-pointed star

A five-pointed star

Regular April

19.00% – 179.50%, varies by your state

Editor’s rating

2.5 / 5

A five-pointed star

A five-pointed star

A five-pointed star

A five-pointed star

A five-pointed star

Regular April

up to 306.00% (rates vary by state)

Editor’s rating

2/5

A five-pointed star

A five-pointed star

A five-pointed star

A five-pointed star

A five-pointed star

Regular April

From 35.99% to 211% in April, depending on your state

MoneyKey, Fig Loans, and Personify are slightly cheaper alternatives to paycheck loans, many of which have interest rates around 400%. However, you will still pay a much higher interest rate with these three than you would with a traditional personal loan lender.

All three companies have term lengths based on where you live. Personify’s terms range from 12 months to 48 months, Fig lasts from one to six months. MoneyKey has a duration of six or 12 months.

None of the three companies have a minimum credit score to qualify, so they may be a good option for borrowers who have been turned down by other companies due to poor credit history.

Compare personal loan rates

Frequent questions

Personify is a Better Business Bureau accredited company with an A + rating from BBB, a non-profit organization focused on consumer protection and trust. The BBB measures companies by evaluating their responses to customer complaints, truthfulness in advertising and transparency on business practices.

The company hasn’t been involved in any recent litigation. Between its clean history and top-notch BBB rating, you may feel comfortable borrowing from the lender. However, an excellent BBB rating does not guarantee a good experience with the company. Talk to others who have used Personify before deciding to go with the lender.

There is no minimum credit score requirement for a Personify loan.

No, a Personify loan is not an advance paycheck loan. Payday loans are usually taken from the next paycheck and charge exorbitant rates, usually around 400%. Personify loans have longer repayment times and no prepayment penalties.

Your rate will range from 19% to 179.50%, depending on your creditworthiness and other financial factors.

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