Chorus Credit personal loans review July 2018 |

Chorus Credit personal loans review

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This invitation-only lender offers personal loans with interest rates 35.9% (capped at) to residents of California.

If you’re in the market for a personal loan and want to improve your credit, Chorus Credit could help you when your budget is tight.

Product NameChorus Credit Personal Loans
Min Loan Amount$2,500
Max. Loan Amount$10,000
APR35.9% (capped at)
Interest Rate TypeFixed
Minimum Loan Term2 years
Maximum Loan Term5 years
  • Resident of California
  • Regular source of income
  • Age 18 or older

What is Chorus Credit?

Chorus Credit is a lender owned by Braviant Holdings, based in Chicago. Right now, loans are only available by invitation only to residents of California. Chorus Credit launched in 2017 and announced it plans to expand to other states in the future.

With an invitation, you can apply for an unsecured personal loan between $2,500 and $10,000 for terms of 24 to 60 months. Interest rates are 35.9% (capped at), but lower for those with good credit.

What are the benefits of a personal loan from Chorus Credit?

  • Payments reported to credit bureaus. If you’re looking to build your credit, a loan from Chorus Credit can help since it reports payment history to Experian and TransUnion — two of the main credit bureaus. By making timely payments, you can improve your credit score while paying off your loan.
  • No prepayment penalty. If you’re able to make an early payment on your loan, Chorus Credit won’t charge you a fee.
  • No restricted uses. Use your loan for any legitimate purpose, from financing a home improvement to consolidating your debt.

What should I watch out for?

  • Only available in California. As of April 2018, Chorus Credit only offers personal loans to residents of California.
  • Invitation needed to apply. Even if you live in California, keep in mind Chorus Credit is invitation-only and requires fair to good credit.
  • Loan terms set by Chorus Credit. Unlike some other personal loan services that allow you to pick the length of your loan after approval, Chorus Credit sets the loan term during your application.

Compare personal loans from top providers

Rates last updated July 22nd, 2018

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Unfortunately, none of the personal loan providers offer loans for that credit score. If you are in urgent need of a small loan, you might want to consider a short term loan.
Name Product Product Description Min. Credit Score Max. Loan Amount APR
Even Financial Personal Loans
Get connected to competitive loan offers instantly from top online consumer lenders.
4.99%–35.99% (fixed)
Upgrade Personal Loans*
Affordable loans with two simple repayment terms and no prepayment penalties.
6.87%–35.97% (fixed)
LendingClub Personal Loan
A peer-to-peer lender offering fair rates based on your credit score.
6.16%–35.89% (fixed)
SoFi Personal Loan Fixed Rate (with Autopay)
No fees. Multiple member perks such as community events and career coaching.
6.575%–14.865% (fixed)
Credible Personal Loans
Get personalized rates in minutes and then choose a loan offer from several top online lenders.
Good to excellent credit
4.99%–36% (fixed)
Best Egg Personal Loans
A prime lender with multiple repayment methods.
640 FICO®
5.99%–29.99% (fixed)
Prosper Personal Loans
Borrow only what you need for debt consolidation, home improvements and more — with APRs based on overall creditworthiness.
6.95%–35.99% (fixed)
NetCredit Personal Loan
Check eligibility in minutes and get a personalized quote without affecting your credit score.
34%–155% (Varies by state) (fixed)
OneMain Financial Personal and Auto Loans
An established online and in-store lender with quick turnaround times. Poor credit is OK.
16.05%–35.99%* (fixed)
Monevo Personal Loans
Quickly compare multiple online lenders with competitive rates depending on your credit score.
3.09%–35.99% (fixed)
FreedomPlus Personal Loans
Consolidate debt and more with these low-interest loans. Cosigners welcome.
4.99%–29.99% (fixed)

Compare up to 4 providers

What do borrowers say about Chorus Credit?

Because Chorus Credit was launched in late 2017, it was difficult to find reviews online. If you decide to take out a loan through Chorus Credit, leaving a review of your experience is a good way to let others know how well the company treats its borrowers.

Am I eligible?

Chorus Credit is a new service and accepts loan applications from individuals by invitation only. However, here are the basic criteria you’ll need to meet before being extended an invitation.

  • You should be at least 18 years old
  • You should be a resident of California
  • You should have a regular source of income

How do I apply?

If you’ve received an invitation to apply, go to Chorus Credit’s website and enter your full name, zip code and the last four digits of your Social Security number. From there, you’ll be redirected to the full application. If your application is approved, you’ll be contacted by Chorus Credit to finalize your loan.

What happens after I get the loan?

Once you have your loan funds, start making monthly payments. Pay by ACH transfer, check or money order, and there is never a prepayment penalty. This means you can make early payments and multiple payments in a month, lowering your interest in the long run.

Be sure you make your full payments on time. Chorus Credit reports this information to two of the three credit bureaus: Experian and TransUnion.

Bottom line

Chorus Credit is a new lender for people looking for personal loans. If you live outside California or have not been invited to apply, compare other personal loan lenders to find a provider that works for you.

Frequently asked questions

Kellye Guinan

Kellye Guinan is a writer and editor with and has years of experience in academic writing and research. Between her passion for books and her love of language, she works on creating stories and volunteering her time on worthy causes. She lives in the woods and likes to find new bug friends in between reading just a little too much nonfiction.

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