Unsecuredno collateral
Unsecured personal loans
The main label. Fixed payments over 12 to 48 months with nothing pledged against the loan.
About installment loansPersonify Loans & Fast Cash From $200 to $5,000
Short on cash this week? See every Personify loan type, rate and requirement in one place, or request $200 to $5,000 from licensed lenders in a few minutes. All credit types are considered.
- Online from start to finish
- Fixed payments
- Licensed lenders only
$200–$5,000Borrow what you needSmall requests welcome
36–179.5%Personify APR rangeDrops with on-time payments
12–48 moTime to repayEqual payments, no prepayment fee
Next dayTypical fundingSign by 11:59 PM CT
Personify loans at a glance
Personify Financial is an online lender with one product: an unsecured personal installment loan. You borrow a fixed amount, repay it in equal payments over one to four years, and no collateral is involved.
It is built for people whose credit keeps them out of mainstream lending. Approval looks at income and bank activity as well as your score. The trade-off is price, because APRs start at 36%. See the full Personify loan requirements.
A good fit if you
- Have fair or poor credit
- Need money within a day or two
- Want an alternative to a payday loan
Look elsewhere if you
- Can qualify below 36% APR
- Want to apply by phone or in a branch
- Live outside the 27 covered states
One product, many uses
What types of loans does Personify offer?
Every Personify loan is the same unsecured installment loan. What changes is how it is labelled, what you use it for, who funds it, and the size and term you pick.
Bad creditscores under 670
Loans for bad credit
The same loan, aimed at lower scores. Income, job history and bank activity count too.
About bad credit loansFastnext business day
Fast loans
Apply online, get a decision in minutes and sign by 11:59 PM CT for next-day funding.
About fast loansSmalleveryday gaps
Small personal loans
For bills, rent or a repair, when a small amount is all you need to get through the month.
About small loansThe application asks how you plan to use the money. These are the purposes you can choose.
Household expenses
Utilities, groceries or rent when the month runs long.
Pay off credit cards
Roll card balances into one fixed payment.
Pay off other loans
Replace existing debt with a single installment.
Vehicle expenses
Repairs, maintenance and surprise auto costs.
Medical or dental
Health bills without maxing out a card.
Life events
A wedding, a move or another planned milestone.
Major purchase
A large buy that does not fit this month's budget.
Emergency expenses
Urgent, unplanned costs that cannot wait.
Uses that are not allowed
Loan funds cannot go toward business purposes, post-secondary education, investing or anything illegal.
One application can be reviewed under three lending programs. Which one you land in decides your lender and your APR range.
36% – 179.5%APR
First Electronic Bank
- Lender
- Utah-chartered bank
- States
- All covered except GA
- Serviced by
- Personify
36% – 179.5%APR
Personify direct (Georgia)
- Lender
- ADF of Georgia, LLC
- States
- Georgia only
- Serviced by
- Personify
6% – 35.99%APR
Participating creditors
- Lender
- Licensed third parties
- States
- Varies by creditor
- Shown when
- You qualify under 36%
Through our request form you can ask for any amount from $200 to $5,000. Borrow the smallest amount that solves the problem, because every extra dollar costs interest.
$200 – $1,000small
Cover one bill
An overdue utility, a minor repair or a gap before payday. A short term keeps the total cost down.
Request this amount$1,000 – $2,500mid-range
The most common range
Car repairs, medical or dental bills, or a security deposit. Check the payment fits your budget first.
Estimate a payment$2,500 – $5,000larger
Bigger expenses
A major purchase or a few debts rolled into one payment. At high APRs, look closely at the total cost.
See true costPersonify's own limits are different
Loans made through Personify have their own minimum and maximum, which vary by state and are shown with your offer.
Five term lengths, paid monthly, semi-monthly or bi-weekly. Bi-weekly schedules are often lined up with your payday.
12 months
Highest payment, lowest total interest.
18 months
A short term with a little more room.
24 months
The middle ground on payment and cost.
36 months
The most common choice.
48 months
Lowest payment, highest total cost.
Personify only makes unsecured personal loans. You will not find any of these.
Payday loansTitle or secured loansLines of creditCredit cardsBusiness loansStudent loansApplications by phone
Before you apply
What you need to qualify
Live in a covered state
Personify lends in 27 states. Check the state-by-state list.
A checking account
Funds arrive by direct deposit and payments are collected by ACH.
Online banking access
You sign in to your bank during the application so income can be confirmed.
Proof of identity
Your address, Social Security number and sometimes a photo ID.
Steady income
Employment and income are verified. Extra documents may be requested.
A credit check
No published minimum score. Soft pull to see offers, hard pull only if you accept.
Five steps
How the application works
Check your offers
Enter a few details. It is a soft pull, so your score is untouched.
Pick an offer
Choose the amount, term and payment schedule that fit your budget.
Verify your details
Confirm identity, income and your bank account online.
Sign electronically
Read the agreement and e-sign. No paperwork or branch visit.
Get your money
Sign by 11:59 PM CT and funds usually land the next business day.
Got a Personify letter with a code? Here is what the mail offer means.
Trust check
Is Personify legit?
Yes. Personify Financial is the consumer brand of Applied Data Finance, LLC, a licensed online lender based in San Diego, California, lending since 2015.
4.8 / 5Trustpilot, 16,000+ reviews
A+BBB rating, accredited since 2015
3.5 / 5Bankrate editorial score
The official Personify website is personify.com. Be careful with look-alike sites and unsolicited calls that ask for upfront fees, which a legitimate lender never charges.
Two ways to borrow
See what you could borrow today.
Request $200 to $5,000 here, or run the numbers on a Personify loan first.
Run the numbers
Loan payment calculator
Estimate the payment on $200 to $5,000 across Personify's published APR range, then compare it with the same loan at 35.99%.
Use a published example
Term
Payment schedule
$0Estimated monthly payment
- Amount financed
- $0
- Total interest
- $0
- Total repaid
- $0
- Payments
- 0
- Origination fee (5%)
- $0
Estimates only, not a loan offer. Figures assume a 5% origination fee added to the balance and no rate reductions. APRs and fees from lenders in our network vary and may be higher or lower than shown. Your actual terms depend on your credit profile, state and lender.
Borrower feedback
Personify reviews: what borrowers say
We read through Personify Financial's public customer reviews and grouped them by the topics that come up most. These are summaries in our words, not quotes, and they include the complaints as well as the praise.
4.8
Rated "Excellent"16,000+ reviews on Trustpilot
5-star85%
4-star10%
3-star2%
2-star<1%
1-star2%
What people talk about most
Often praised
Easy online application
The most common theme. Reviewers call the application short, clear and low-stress, with a quick decision and no phone calls or branch visits.
Often praised
Fast funding when money is tight
Borrowers with an urgent expense say the money reached their bank account quickly, often by the next business day.
Often praised
Helpful customer service
Support staff are described as polite, professional and patient, and repeat borrowers say a second loan was simple after a good payment history.
Often praised
Approved with bad credit
Many say they were approved with a low credit score after other lenders said no, and that the payment plan felt manageable.
Common complaint
High interest rates
Even satisfied customers mention the cost. Several warn that you can repay close to three times what you borrowed, so pay it off early if you can.
Common complaint
Funding delays and bank login
Some reviewers waited longer than expected for the deposit, and a few were uncomfortable signing in to their bank account during verification.
27 states
Where Personify loans are available
Personify currently lends in the states below. New Mexico and South Carolina are no longer served.
AlabamaAlaskaArizonaArkansasDelawareFloridaGeorgiaHawaiiIdahoIndianaKansasKentuckyLouisianaMichiganMinnesotaMississippiMissouriMontanaNorth CarolinaOhioOklahomaRhode IslandTennesseeTexasUtahVirginiaWisconsin
New MexicoSouth Carolina
Georgia
Loans are made by ADF of Georgia, LLC, with a higher minimum loan than other states.
Hawaii
A higher minimum loan applies than in most other states.
Wisconsin
Origination fee capped at 5% or $175, whichever is lower.
Not on the list?
Our $200 to $5,000 request works with lenders in other states too.
What it really costs
Personify rates, fees and the true cost
Personify's APRs begin where most mainstream lenders stop. The examples below are the lender's own published figures, so you can see the full cost before you apply.
36% – 179.5% APRPersonify / First Electronic Bank. Participating creditors may offer 6.00% – 35.99%.
What $3,500 costs over 36 months
Personify's three published examples, drawn to the same scale.
58.55% APR · bi-weekly payments$7,429
97.19% APR · monthly payments$10,910
177.36% APR · semi-monthly payments$18,699
The $3,500 you borrowedInterest and fees
Fees you may pay
Everything that can be added on top of interest.
- Origination feeAdded to your balance, so it earns interest. Wisconsin caps it at $175.
- 5% – 5.99%
- Application feeChecking your offers and applying costs nothing.
- $0
- Prepayment feePay off early at any time and save the remaining interest.
- $0
- Late and returned paymentAmounts depend on your state and appear in your agreement.
- May apply
No fee to applyNo fee to pay off early
Rate Reduction program
A rate that drops when you pay on time
Make six months of on-time payments and your APR falls by 2 percentage points. Keep going and it falls again every six months for the life of the loan.
A late payment restarts the six-month clock, but reductions you already earned stay in place.
- Reduction
- 2 points every 6 months
- Applies to
- Loans above 29.99% APR
- Lowest possible rate
- 24.00% APR
The honest view
Pros and cons
What works well
- Fair and poor credit accepted, with more than your score considered
- Low minimum loan, where many lenders start at $1,000 or more
- Fully online, with funding as soon as the next business day
- APR drops 2 points for every six months paid on time
- No prepayment penalty
- Payments are reported to the credit bureaus
What to watch
- APRs from 36% up to 179.50%, far above mainstream lenders
- Origination fee is added to the balance and earns interest
- Only 27 states are covered
- Maximum loan is lower than many competitors
- No branch or phone applications
- Payments may be bi-weekly rather than monthly
Shop around
Personify vs. other lenders
If you can qualify with a lender under 36% APR, it will almost always be cheaper. Compare at least two offers before you sign.
| Lender | APR range | Terms | Min. credit score | Funding |
|---|---|---|---|---|
| Personify | 36.00% – 179.50% | 12 – 48 months | Not disclosed (est. 500) | Next business day |
| Upstart | 6.20% – 35.99% | 36 or 60 months | Not disclosed | Next business day |
| OneMain Financial | 11.99% – 35.99% | 24 – 60 months | Not disclosed | Same day in branch |
| Avant | 9.95% – 35.99% | 12 – 60 months | 580 | Next business day |
| OppLoans | 99% – 195% | 9 – 18 months | None | Same or next day |
| Credit union PALs | Capped at 28% | 1 – 12 months | Varies | Varies |
Competitor figures are taken from each lender's published ranges and third-party reviews as of September 2026 and can change. Confirm current terms with the lender.
Pick the right tool
Installment loan, payday loan or credit card?
36–179.5%Personify installment loan
Equal payments over 12 to 48 months. Builds credit history. Pay off early for free.
~400%Typical payday loan
Due in one lump sum within two to four weeks. Easy to roll over and hard to escape.
25–30%Credit card cash advance
Cheapest of the three if you have the credit line, but fees and interest start the same day.
Ready when you are
Request $200 to $5,000 online
Tell us what you need and we will pass your request to licensed lenders in our network. It takes a few minutes and there is no fee to submit.
- Amounts from $200 to $5,000
- All credit types considered
- Decision from the lender, often in minutes
- 1Apply
One short form, a few minutes.
- 2Verify
The lender confirms your identity and income online.
- 3Get your money
Accept an offer and funds go to your bank, often next business day.
This request goes to our network of licensed lenders, which is separate from Personify. Not every applicant is approved, and rates, terms and availability vary by lender and state.
Quick answers
Frequently asked questions
What types of loans does Personify offer?
Personify offers one product: an unsecured personal installment loan with fixed payments and no collateral. Terms run from 12 to 48 months.
Is Personify a payday lender?
No. Personify loans are installment loans repaid over 12 to 48 months in fixed payments. Payday loans are usually repaid in one lump sum within two to four weeks.
What APR will I get?
Loans made by Personify or First Electronic Bank carry APRs from 36.00% to 179.50%. Participating Creditors may offer 6.00% to 35.99%. Your rate depends on your credit profile and state.
Does checking offers affect my credit score?
No. Personify uses a soft inquiry to show pre-qualified offers, which does not affect your score. A hard inquiry happens only if you accept an offer.
What credit score do I need?
Personify does not publish a minimum credit score. Third-party reviewers estimate it at around 500. Income, employment and bank account activity are also considered.
How fast will I receive funds?
If you are approved and sign your agreement by 11:59 PM CT, funds are typically deposited the next business day. Some banks take up to two business days.
Are there any fees?
There is no application fee and no prepayment penalty. An origination fee of 5% to 5.99% is added to the loan balance in most states. Late and returned-payment fees may apply.
How does the Rate Reduction program work?
After six months of on-time payments your APR drops by 2 percentage points, and it repeats every six months. The rate will not go below 24%. It applies to loans with an APR above 29.99%.
Which states are covered?
Personify lends in 27 states: Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Georgia, Hawaii, Idaho, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, North Carolina, Ohio, Oklahoma, Rhode Island, Tennessee, Texas, Utah, Virginia and Wisconsin.
Who is First Electronic Bank?
First Electronic Bank is a Utah-chartered industrial bank that makes loans through the Personify platform. In every covered state except Georgia, loans at 36% APR and above are made by First Electronic Bank.
Can I apply for a smaller loan through this site?
Yes. Our request form connects you with licensed lenders offering $200 to $5,000. That network is separate from Personify, and rates, terms and availability vary by lender and state.
Editorial standards
How we keep this page accurate
Every rate, fee, loan amount and state on this page is checked against Personify's own rates, terms and licensing disclosures. Where the lender does not publish a figure, such as a minimum credit score, we say so and label any estimate as coming from a third party.
We show the expensive end of the range as clearly as the cheap end, including the lender's published total-cost examples, because a loan at these APRs is a serious commitment. Compensation from lenders never changes the figures we report.
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Send one short request and hear back from a licensed lender.