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Who is Personify Best For?
Personify is best for people with poor credit who have exhausted other borrowing options. Borrowers who want their money quickly may also like Personify, as 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 that could add hundreds or thousands of dollars to the cost of your loan. If you have a good credit score, you can likely get better terms from a lender other than Personify.
| Personify Availability by State | ||||
| 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 |
Most states allow you to choose between a 12, 18, 24, 36 or 48-month term length. You can borrow between as little as $500 or as much as $15,000. Your APR will range from 19% to 179.50%.
However, borrowers in Georgia and South Carolina will find slightly different numbers:
| State | Term length | Loan amount range | APR |
| Georgia | 12, 18, 24, 36 or 48 months | $3,100 to $10,000 | 19% to 59.99% |
| South Carolina | 12, 18, 24, or 36 months | $1,000 to $7,500 | 35% to 199.99% |
Personify Personal Loan Features
Regular APR range:
Loan amounts available:
Recommended credit score: No minimum credit score required
Funding time: As soon as the next day after approval
Personify Personal Loan Pros and Cons
How to Apply For a Personify Personal Loan
1. Provide personal information and other details. Personify takes applications through its website. You start by supplying information including your address, income, employment details, Social Security number, and the checking account where you want your loan money to be deposited.
2. Allow Personify access to your credit information. Personify will need to check your credit history before it can approve you for a personal loan. This will probably involve a hard credit pull, which will usually reduce your credit score by a small amount temporally.
3. Review loan offers. If you qualify, Personify will show you loan offers with amounts, rates, and repayment terms. Choose one that's right for you.
4. Receive your funds and start repaying the loan. Personify says loan funds are disbursed on the next business day, if approved and signed by you by 11:59 p.m. central time.
Personify Frequently Asked Questions
Is Personify trustworthy?
Personify is a Better Business Bureau-accredited company with an A+ rating. The BBB measures companies by evaluating their responses to customer complaints, truthfulness in advertising, and transparency about business practices.
What credit score do you need for a Personify loan?
There is no minimum credit score requirement for a Personify loan.
Is a Personify loan a payday 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's loans have longer repayment term lengths and no prepayment penalties.
How much can you borrow with a Personify personal loan?
Personify offers loans of as much as $15,000, depending on the state where you live.
What's the interest rate for a Personify loan?
Your rate will range from 19% to 179.50%, depending on your creditworthiness and other financial factors.
Compare Personify Personal Loans
Personify vs. MoneyKey
Like Personify, MoneyKey is a slightly lower-cost alternative to payday loans, many of which have int erst rates around 400%. At Personify, you'll be looking at an APR range of
Personify offers loan amount from
Personify vs. Fig Loans
Fig is also a slightly lower-cost alternative to payday loans. Its APRs range from
You can borrow from
Read more: Loans for no credit.
Why You Should Trust Us: How We Rated Personify personal loans
We rate all personal loan products in our reviews and guides on a 1-5 scale. The overall rating is a weighted average that takes into account seven different categories, some of which are judged more heavily than others. They are:
- Interest rate (20% of rating)
- Fees (20% of rating)
- Term lengths and loan amounts (15% of rating)
- Funding speed (15% of rating)
- Borrower accessibility (15% of rating)
- Customer support (7.5% of rating)
- Ethics (7.5% of rating)
Each category's weighting is based on its importance to your borrowing experience. Rates and fees have the most direct impact on the overall cost of your loan, so we weigh those the most heavily. Customer support and ethics are still very important parts of the borrowing experience, but do not directly tie to a personal loan's terms, so they have less of an impact on the overall rating.
See our ratings methodology for personal loans »