Every year lenders say "no" to millions of people looking for unsecured installment loans who they believe are too risky. All it takes is an accident, illness, or unexpected expense and some lenders won't lend to you. Even if you're working and paying your bills.
The problem may not be that all these people are too risky. It's that some lenders may just plug a few numbers into an old formula, and that's that. These lenders might not be getting the same well-rounded version of you, your story, and your creditworthiness that we can.
We offer a new way to let deserving people like you borrow the money they need, with fixed payments. And all customers who get a loan through the Personify platform are supported by Personify Financial or our sister company, Personify Loan Services, to help at any time throughout the duration of the loan.
Many lenders may confuse you with your data. To them, you may be only a social security number, a birth date, and a credit score. And that's about all. The Personify platform is different.
Our online loan process is simple and fast. But behind the scenes, we're doing some complicated calculations and comparisons to see if we can help you get the money you need. Some of your numbers might not look good to others. Even so, you could still be a good candidate for an unsecured personal loan through us. Because we look beyond the surface (that’s what the complicated calculations are about).
Instead of only considering just a few pieces of information, we look at many. We make the effort to see your entire financial story.
Some loan companies may design their formulas to say "no" to most requests for small personal loans. We designed ours to look for opportunities to approve you. So even if you’ve had trouble getting approved in the past, we may still be able to help. And the rates and terms of a loan are tailored to your unique financial situation. We want to make sure your loan is a good match for your needs and you don’t get stuck with a loan you can’t really afford.
Just because you can apply for a loan through Personify online, and we use powerful technology, doesn't mean we're anonymous. Quite the opposite, in fact.
The great thing about online personal loans is you can borrow without ever seeing a person. The bad thing is you borrow without ever seeing a person.
The problem with many online loans is, a lender may never get to know you. So who cares? You should, because borrowing is all about trust. Trust helps approves loans. Trust helps set loan terms.
The more times a borrower and lender do what they say they'll do, the more trust grows. A trusted borrower can borrow more, pay lower rates, and take longer to repay.
But that takes a borrower (you) and a loan platform (us), getting to know each other. You know, like two humans. That's why we take care to keep the human face in Personify.
When you call us, you'll speak with a Personify specialist, not a machine. A real human who actually cares about your situation.
No collateral, no pre-payment penalties, no hassle.