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Personalize personal loans
Costs
5% setup fee (except in GA, SC), $25-$30 late fee
APR
19.00% – 179.50%, varies depending on your state
Costs
5% setup fee (except in GA, SC), $25-$30 late fee
APR
19.00% – 179.50%, varies depending on your state
Loan details
APR
19.00% – 179.50%, varies depending on your state
Costs
5% setup fee (except in GA, SC), $25-$30 late fee
Advantages and disadvantages
Strong points
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
- Caroline from the south
- Tennessee
- Texas
- Utah
- Washington
- Wisconsin
Most states allow you to choose between a term of 12, 18, 24, 36 or 48 months. You can borrow from as little as $500 to as much as $15,000. Your APR will vary from 19% to 179.50%.
However, borrowers in Georgia and South Carolina will find slightly different numbers:
Advantages and Disadvantages of Personify Personal Loans
Personify is best for people with poor credit who have exhausted other borrowing options. Borrowers who want their money fast may also like Personify because it funds loans within one business day.
Remember that if you have a low credit score, you may have to pay very high interest rates which 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 terms from a lender other than Personify.
Personify Personal Loan Comparison
How Personify Compares
Editor’s note
Regular APR
19.00% – 179.50%, varies depending on your state
Editor’s note
Regular APR
up to 306.00% (rates vary by state)
Editor’s note
Regular APR
35.99% to 211% APR, depending on your condition
MoneyKey, Fig Loans and Personify are slightly cheaper alternatives to payday loans, many of which have interest rates around 400%. However, you will still pay a much higher interest rate with these three loans than you would with a traditional personal lender.
All three companies have term lengths based on where you live. Personify terms range from 12 months to 48 months, Fig has terms ranging from one to six months. MoneyKey has a term of six or 12 months.
None of the three companies has a minimum credit score to qualify, so they could be a good option for borrowers who have been turned down by other companies due to a bad credit history.
Compare personal loan rates
Frequently Asked 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, the truthfulness of advertising and the transparency of business practices.
The company has not been involved in any recent controversies. Between its clean track record and top-notch BBB rating, you can feel comfortable borrowing from the lender. However, an excellent BBB rating does not guarantee a good experience with the company. Talk to other people 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 a payday loan. Payday loans are usually taken out of your next paycheck and charge exorbitant rates – usually around 400%. Personify loans have longer repayment terms and no prepayment penalties.
Your rate will vary from 19% to 179.50%, depending on your creditworthiness and other financial factors.
