Personify Finance FAQ

Personify Finance is a direct-to-consumer installment lending service providing personal loans from $200 to $5,000 to U.S. borrowers with fair or recovering credit. Personify Finance focuses on a human-centered approach that evaluates your whole financial picture rather than just a FICO score.

Personify Finance personal loans range from $200 to $5,000. Your approved amount depends on your state, income, credit profile, and ability to repay.

No. Checking your rate uses a soft credit inquiry, which doesn't affect your credit score. A hard inquiry only happens if you proceed with a full application.

Most approved Personify Finance borrowers receive their funds by the next business day via direct deposit after signing the loan agreement.

No. Personify Finance offers installment loans, not payday loans. Installment loans have fixed monthly payments and a defined payoff date, while payday loans typically require full repayment on your next paycheck.

Personify Finance does not publish a minimum credit score. We evaluate your full financial picture including income and ability to repay. Many approved borrowers have fair, limited, or recovering credit.

Yes, with zero penalty. Pay down or pay off your Personify Finance loan at any time and save on remaining interest.

APRs range from 35.99% to 179.50% depending on your state, credit profile, and loan amount. Origination fees of 0% to 5% may apply in some states. There is no prepayment penalty and no application fee. See our full rates and fees page.

Yes. Personify Finance reports account activity to major U.S. credit bureaus. On-time payments can help you build positive installment credit history over time.

Personify Finance personal loans can be used for most legitimate personal expenses — car repairs, medical bills, debt consolidation, moving costs, essential purchases, or bridging a short-term income gap. Loans may not be used for post-secondary education, business purposes, gambling, or securities trading.

Personify Finance charges a late fee (typically $15 or 5% of the payment, whichever is less, after a 10-day grace period in most states). Missed payments can be reported to credit bureaus and may negatively affect your credit score. Contact Personify Finance support before your due date if you anticipate difficulty paying.

Yes. If you're experiencing financial hardship, call or message Personify Finance support as soon as possible. We can review payment deferrals or payment-date changes on a case-by-case basis.

Personify Finance uses 256-bit SSL encryption to protect your data in transit and follows industry-standard security practices for data at rest. We never sell your personal information. See our Privacy Policy for full details.

Personify Finance is available in most but not all U.S. states. If your state is not currently eligible, you'll see a message during rate check and no application will be submitted. We're continually expanding availability.

Generally no — Personify Finance typically limits borrowers to one active loan. In some cases, existing borrowers in good standing may qualify for a refinance of an existing loan after a period of on-time payments. Check your eligibility in your borrower portal.