Personify Financial installment loans review

Apply online with fast turnaround on unsecured funds — but watch for APRs from 35% to 179.99%.

Personify Financial is among the many online lenders focused on providing installment loans to those with poor credit. The process is fully online, and you could see funding in as little as a day after approval. And despite rates that can reach triple digits, customers say they like what they’ve found with this short-term lender.

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Min. Amount


Max. Amount


Product NamePersonify Financial installment loans
Min. Amount$1,000
Max. Amount$10,000
Loan Term1 to 4 years
Loan SecurityUnsecured
RequirementsUS citizen or permanent resident, at least 18 years old, valid bank account, credit score of 550+

What is a Personify Financial installment loan?

Personify offers unsecured short-term loan that borrowers repay plus interest and fees over several months. You can apply for and repay your loan online as long as you live in one of the 22 states Personify serves.
Personify’s loan rates and terms vary by your state’s laws. Depending on where you live, you’ll find loan amounts of $1,000 to $10,000 at rates that start at 35% but can soar to 35% to 179.99% APR. Terms start at 1 year and extend to 4 years, depending on your state.

Eligible states

You’re eligible for a Personify Financial installment loan if you live in:

  • Alaska
  • Alabama
  • Arizona
  • California
  • Delaware
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Missouri
  • Mississippi
  • Montana
  • Oklahoma
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Washington

What are the benefits of a Personify Financial installment loan?

Like other alternative lenders, you’ll see benefits you won’t find at your local bank:

  • Fully online. You don’t have to put on pants to get apply with Personify, thanks to a quick, convenient online application.
  • Fast turnaround. You could see a decision on your loan within one business day.
  • Flexible terms. Terms of up to 1 year give you the option to pay a smaller amount over a longer period.
  • High maximums. Installment loan amounts are available for up to $10,000 in most states, which is relatively high for a short-term loan.

What to watch out for

While fast decisions and funding is appealing, be wary of potential drawbacks that include:

  • High APRs. In some states, borrowers face up to a staggering from 35% to 179.99% APR.
  • Fees. Personify Financial charges a origination fee equal to 5% of your loan.
  • Limited availability. Personify operates in 22 states only, rendering half the country ineligible for a loan.

Beware of high rates

Short-term loans are notoriously more expensive than their longer-term counterparts, partly because they come with lower credit standards than you’ll find with a big-name bank. With APRs as high as 35% to 179.99% on a Personify loan, you could end up paying multiple times the amount you borrow, especially if you sign up for a long term.
While it’s tempting to go for a loan with the lowest monthly repayments possible, signing up for the shortest loan term you can afford can help you save on unnecessary interest and get out of debt more quickly.

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Is it safe to apply with Personify Financial?

Yes. Personify’s site uses SSL encryption to protect the personal and financial information you enter online, and the company uses your information for everyday business and marketing purposes only. It also displays licenses on each state page that requires one, so you can easily make sure they’re legit.

Personify Financial reviews and complaints

BBB accreditedYes
BBB ratingA+
BBB customer reviews4.73 out of 5 stars, based on 901 customer reviews
BBB customer complaints62
Trustpilot score4.7 out of 5, based on 7,224 customer reviews
Customer reviews verified as of16 October 2020
Generally, customer reviews for Personify Financial are positive. Many reviews praise Personify’s simple online application process and flexible lending to those with less-than-stellar credit scores. However, APRs with this lender can be high, and some reviews accuse Personify of predatory lending by mailing preapproved checks.

Am I eligible?

To qualify for a loan through Personify Financial, you must meet eligibility that includes:

  • At least 18 years old.
  • US citizen or permanent resident.
  • Valid bank account.
  • Residency in a state Personify serves.
  • Credit score of 550 or higher.

How do I apply?

  1. Go to Personify Financial’s site and click Apply.
  2. Enter your name, email address and ZIP code. If you received an offer from Personify Financial in the mail, enter your prequalified code. Click See My Loan Offers.
  3. Wait for Personify to email a link you can use to continue your application. Click the link in your email to continue your application.
  4. Enter your address, phone number, date of birth and Social Security number. Click Confirm and Continue.
  5. Enter the loan amount you’re interested in, and let Personify know how you intend to use the loan. Enter your monthly net income and click Confirm and Continue.
  6. Tell Personify how often you’re paid, and enter the next three dates you expect to receive your income. Review Personify’s Privacy Policy and click See Loan Offers Now.

Personify will assess your application and let you know whether you qualify for a loan.
If you qualify for a loan, Personify might ask for additional documentation to process your loan and deposit your funds. Uploading documents takes a few minutes, and after Personify receives your documentation, it aims to deliver its decision within two business days.
If your loan application is approved, you can expect to receive your funds within 24 to 48 hours.

I got the Personify Financial loan. Now what?

  • Set up automatic payments. Signing up for autopay can help you avoid missing payment.
  • Repay your loan early. Personify Financial doesn’t charge prepayment fees, so you pay off your loan before your term to avoid unnecessary interest.
  • Reach out to customer support. Contact Personify Financial by phone, email or live chat with questions.

Bottom line

Personify Financial can help you access unsecured installment loans through a quick online application with fast turnaround on your funds. But APRs can be higher than competitors, depending on where you live.
Shop around for the best rate and terms you’re eligible for before applying for your next loan.

Frequently asked questions

How can I repay my Personify Financial loan?
Pay your loan online from a checking or savings account or by personal check.
What if I can’t make a payment?
Contact a Personify Financial loan agent right away. The earlier they know about the issue, the better able they can help.
Will applying for a loan with Personify Financial affect my credit score?
Yes. When assessing your application, Personify Financial pulls a soft check of your credit history, which doesn’t affect your score. If you qualify for a loan, it pulls a hard check, which can cause your credit score to dip temporarily.
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    Default Gravatar
    September 29, 2019

    What is the payment frequency?

      September 30, 2019

      Hello Kish,

      Thank you for your comment.

      If you’re referring to the Personal Financial Installment loan payment frequency, you can choose whether you make biweekly, semi-monthly or monthly payments. The flexibility that comes in handy if you want to line up your loan repayment and paycheck schedules.


    Default Gravatar
    July 6, 2019

    If I take out a $3,500 loan today and pay it $3,500 in 2 weeks how much will I owe

      July 7, 2019

      Hi Chris,

      Thanks for your inquiry.

      As I checked, Personify Financial doesn’t charge prepayment fees. So if you make an early repayment before your term, you will not incur any interest fee.

      I hope this helps.

      Kind regards,

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