The short version
- We are not a direct lender, and this website is not owned by, affiliated with, or operated by Personify.
- Lenders may pay us when we connect you with them. That never changes the facts we publish.
- Rates, fees and terms are set by each lender and must be disclosed to you before you accept.
- These are expensive loans meant for short-term needs. Borrow only what you can repay.
This summary is for convenience. The full text below is what applies.
1. We are not a lender
We are not a direct lender. We connect users with licensed financial providers, and this website is not owned by, affiliated with, or operated by Personify.
We do not make loans or credit decisions, and we do not broker loans. We do not charge you any fee. If you submit a request, it is passed to lenders and lending partners who decide for themselves whether to make you an offer. Submitting a request does not guarantee that you will be connected with a lender, approved, or offered any particular amount, rate or term.
2. Our relationship to Personify
“Personify” and “Personify Financial” are trademarks of their owner. We use the name only to identify the lender whose publicly available products this website describes. We have no partnership, agency or other relationship with Personify Financial, Applied Data Finance, LLC or First Electronic Bank, and they have not reviewed or endorsed this website.
To apply for a Personify loan, to use a Personify offer code, or to manage an existing Personify loan, go to Personify's own website. We cannot accept Personify applications or offer codes, and we have no access to Personify accounts.
3. How we are paid
This website is free to use because lenders and other partners may pay us when a request from this website connects a person with them. That compensation can influence which lenders and partners receive your request and in what order. It does not change the rates, fees and other facts we publish, and we do not accept payment to describe a product more favourably.
We do not work with every lender, so the offers you may receive are not every option available to you. Compare them with a bank, a credit union or another lender before you decide.
4. Rates, fees and terms
Personify loans
According to Personify's published disclosures, loans made through its platform carry APRs from 36.00% to 179.50%, terms of 12 to 48 months, and an origination fee of 5% to 5.99% that is added to the loan balance (capped at $175 in Wisconsin). Creditors that participate in its platform may offer APRs from 6.00% to 35.99%. There is no application fee and no prepayment fee. Late and returned-payment fees may apply.
Representative examples published by Personify. A $3,500 loan repaid over 36 months: at 58.55% APR the total repaid is $7,429; at 97.19% APR it is $10,910; at 177.36% APR it is $18,699.
Loans from lenders in our network
The APR, fees, loan amount, repayment term and payment schedule of any loan offered to you through our request form are set by the individual lender, vary by lender and by state, and depend on your circumstances. The lender must disclose them to you before you accept. APRs on loans of this kind are frequently much higher than those of banks and credit unions and can be in the triple digits.
Examples on this website
Payment tables, charts and calculator results are illustrations. Unless we say otherwise, they assume a 5% origination fee added to the balance and no rate reductions. They are not offers and may differ from what a lender offers you.
5. Availability
Personify lends in 27 states, listed on our states page. Lenders in our network do not operate in every state, and the states they serve can change without notice. Residents of some states may not be eligible for some or any loans. Members of the armed forces and their dependants may be ineligible for certain loans under the Military Lending Act.
6. Credit checks
Lenders and lending partners may verify your information and obtain consumer reports from credit bureaus, including Equifax, Experian and TransUnion, and from specialised consumer reporting agencies. Some of these inquiries may affect your credit score. By submitting a request you authorise them to do so. We do not run credit checks ourselves.
7. If you pay late or do not pay
Late or missed payments may result in additional fees or interest, as set out in your loan agreement. A lender may report late or missed payments to credit bureaus, which can lower your credit score, and may attempt to collect the debt itself or through a collection agency, using the methods the law allows. Some lenders may offer to extend or refinance a loan, which usually means more interest and fees. Ask your lender about its policies on late payment, non-payment and renewal before you accept a loan, and contact it as early as possible if you expect to miss a payment.
8. Borrow responsibly
High-cost loans are intended for short-term financial needs. They are not a solution to long-term debt or ongoing money problems. Borrow only what you need and can afford to repay on time. If you are struggling with debt, a non-profit credit counselling agency can help, and dialling 211 can connect you with local assistance.
9. Accuracy of information
We check the facts on this website against lenders' published disclosures and update them regularly, and each page shows when it was last checked. Lenders change their rates, fees, terms and the states they serve, sometimes without notice, so we cannot guarantee that every figure is current or complete. Information about lenders other than Personify comes from their published ranges and from third-party reviews. Always confirm terms with the lender before you apply.
Nothing on this website is financial, legal or tax advice. Consider speaking to a qualified adviser about your own situation.
10. Ratings and reviews
Ratings from Trustpilot, the Better Business Bureau, Bankrate and other sources describe Personify Financial, not this website, and were accurate on the date shown beside them. They change over time. Summaries of customer reviews are written in our own words. The names and marks of those platforms belong to their owners, and their appearance here does not imply that they endorse this website.
11. Images
Photographs and illustrations on this website are for illustration only. They do not show actual customers, and any letters, schedules and charts pictured are examples, not real documents.
12. Contact
If you believe something on this website is inaccurate, please tell us at [email protected]. We correct confirmed errors promptly.