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Insider’s experts select the best products and services to help you make wise decisions with your money (here’s how). In some cases we receive a commission from our Our partners, but our opinion is our own. The conditions apply to the offers listed on this page.

Personalize personal credits

fees

5% handling fee (except in GA, SC), $25-$30 late fee

APR

19.00% – 179.50%, varies by state

Personalize Personalize Personal Loans

fees

5% handling fee (except in GA, SC), $25-$30 late fee

APR

19.00% – 179.50%, varies by state

APR

19.00% – 179.50%, varies by state

fees

5% handling fee (except in GA, SC), $25-$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

In most states you can choose between a term of 12, 18, 24, 36 or 48 months. You can borrow from as little as $500 up to $15,000. Your APR is between 19% and 179.50%.

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

Pros and Cons of Personify Personal Loans

Personify is best for people with bad credit who have exhausted other credit options. Borrowers who want their money fast may also like Personify, as it funds loans within one business day.

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

How to compare personal loans from Personify

Here’s how Personify performs

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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 APR

19.00% – 179.50%, varies by 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 APR

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 APR

35.99% to 211% APR, depending on the state

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

All three companies have terms based on where you live. Personify terms range from 12 months to 48 months, Fig has terms from one to six months. MoneyKey has either a six or twelve month term.

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

Compare personal loan rates

frequently asked Questions

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

The company has not been embroiled in recent controversy. Between its clean history and top-notch BBB rating, you might 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 on the lender.

There is no minimum credit requirement for a Personify Loan.

No, a Personify loan is not a payday loan. Payday loans are usually deducted from your next paycheck and charge exorbitant interest – typically around 400%. Personify’s loans have longer repayment terms and no prepayment penalties.

Your rate ranges from 19% to 179.50% depending on your credit score and other financial factors.