Loans (US)

Personify Personal Loan review

You can request a loan with Personify Personal Loan even with a less-than-perfect score. Check out its main features and benefits in our full review!

Personify Personal Loan: Get the money you need when you need it.

Check out what the Personify Personal Loan can do for you. Source: The Mister Finance.
Check out what the Personify Personal Loan can do for you. Source: The Mister Finance.

Are you tired of feeling like your personal loan needs don’t fit into a rigid box? If you need to borrow money for projects, purchases, or consolidations but aren’t sure where to turn – Personify Personal Loan might be the perfect solution.

Personify offers flexible, personalized loans that can help get your plans in motion without compromising who you are and what you want out of borrowing! Read on to find out how Personify can work for you.

APRThe APR be from 19.00% to 199.99% (and it varies per state.)
LOAN PURPOSEPay off debt or pay for some other emergency.
LOAN AMOUNTSFrom $500 to $15,000 (varies by state.)
CREDIT NEEDEDAt least 500 points.
TERMSThe terms vary per state. But they can go from one to four years.
ORIGINATION FEEThe origination fee can be up to 5% (varies per state.)
LATE FEEThe late fees vary by state and loan amount delayed.
EARLY PAYOFF PENALTYThere is no early payoff penalty fee.
Personify Personal Loan

How to apply for the Personify Personal Loan?

Do you have a not-so-good score but need a loan? TheP ersonify Personal Loan accepts those with this type of score. Read more to learn how to apply!

How does the Personify loan work?

This lender has different fees in different states. So, be sure to know about the fees and terms that apply to your state. Also, after you get your loan funds, you will have to pay your loans in one to four years from the date of the loan. However, depending on which state you live in, the APR fee can go up to 199.99%.

Personify Personal Loan benefits

What are the benefits to this loan? Source: The Mister Finance.
What are the benefits to this loan? Source: The Mister Finance.

Pros

  • If you want to apply for a loan with this lender, you can make a pre-qualification. And this only requires a soft credit check.
  • You can qualify for a loan option even if you do not have a high credit score.
  • This lender does not charge any prepayment penalty fees.
  • You can get your loan funds rather quickly with this lender.

Cons

  • The APR charged by this lender can be incredibly high.
  • In some states, this lender charges origination fees.
  • It is only available in the United States and not in every state.
  • There is no co-signed loan option with this lender.

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Should you apply for the Personify Personal Loan?

This lender only requires a relatively low minimum credit score, and you can get some loan options in just one business day. However, be sure that you read this lender’s terms and know its fee before applying. Also, this lender charges a sky-high APR fee in some states.

Can anyone apply for a loan at Personify?

If you live in the U.S., you can apply for a loan with this lender. However, its fees and terms vary per state. So, be sure to know if you fit all the requirements before applying. Also, be sure that you can pay for the fees charged by this lender.

What credit score do you need for Personify?

To apply for a loan with this lender, you do not need a very high credit score. The minimum score required is 500 points. So, if you need a loan to pay for some emergency, you can have a chance to get one with this lender, even if you have a low score.

How to apply for the Personify loan?

It can be very easy and stress-free to apply for a loan with this lender. And you can do it all online. So, if you want to know how to complete your application process to get a loan with this lender, check out our post below!

Personify Personal Loan

How to apply for the Personify Personal Loan?

Do you have a not-so-good score but need a loan? TheP ersonify Personal Loan accepts those with this type of score. Read more to learn how to apply!

About the author  /  Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by  /  Aline Barbosa

Senior Editor

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