Personify Financial personal loans: 2025 review

Where Personify Financial personal loans fall short

• High APR. While most personal loan rates are capped at 36 percent, that’s where they start for Personify Financial. The maximum rate also goes into the triple digits, which will add a significant amount to the cost of your loan.
• High origination fee. Personify Financial charges a 5 percent origination fee in most states, which is added to the amount you borrow — meaning you'll pay interest on it.
• Not available in all states. Personify Financial only offers its loan product in 27 states, a much more limited footprint than many other lenders.

Personify Financial customer resources

Customer support

Phone service is available Monday through Friday from 8 a.m. to 9 p.m. CT and Saturday from 8 a.m. to 5 p.m CT. You can also get in touch with Personify Financial via its mailing address or email contact form. 

Digital experience

Although Personify Financial doesn’t offer an online portal for managing your loan, it provides educational articles on a variety of financial topics in the blog tab. Its resources tab features well-written articles to help readers understand the pros and cons of different types of loans. 

How to apply for a personal loan with Personify Financial 

1. Check the information by state tab. You won’t be able to apply unless you can provide proof you live in a state where Personify Financial does business.
2. Apply online. You’ll need to provide information about your address, income and bank account and may have to authorize a credit check to get approved. Additional documentation may be required to verify anything you input on the application.
3. Review the loan details. Read the fine print to understand interest costs, fees and how often payments will be deducted. According to Personify Financial’s website, you may pay off your loan balance early with no penalty. 

Methodology

Bankrate considers 20 factors when reviewing lenders. We weigh what makes a lender competitive on the market and appealing to borrowers with varying needs. The Bankrate Score for personal loans consists of four categories:

Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the lender’s website for the most current information.

What customers think

What people across the web are saying about Personify Financial

Feedback on Trustpilot is mostly positive, with a 4.8-star rating on the third-party review site after over 12,500 reviews. Most reviewers cite the easy and fast application process, with funds received in most cases within a short time.