Personify Finance state availability
Personify Finance personal loans are offered in most U.S. states, but not all. Available APR, loan amount, and repayment term can vary significantly by state because state law caps and licensing requirements differ. The fastest way to confirm Personify Finance availability in your state is to check your rate — if we don't serve your state, you'll see a notice during the rate-check flow and no application will be submitted.
States where Personify Finance typically operates
Personify Finance personal loans are generally available to residents in the following states (availability can change at any time):
| State | Loan range | Typical APR range |
|---|---|---|
| Alabama | $500–$5,000 | 35.99%–179.50% |
| Alaska | $500–$5,000 | 35.99%–179.50% |
| Arizona | $500–$5,000 | 35.99%–179.50% |
| California | $2,500–$5,000 | 35.99%–75.00% |
| Delaware | $500–$5,000 | 35.99%–179.50% |
| Florida | $500–$5,000 | 35.99%–179.50% |
| Idaho | $500–$5,000 | 35.99%–179.50% |
| Illinois | $1,000–$5,000 | 35.99%–35.99% |
| Indiana | $500–$5,000 | 35.99%–96.00% |
| Kentucky | $500–$5,000 | 35.99%–149.00% |
| Louisiana | $500–$5,000 | 35.99%–179.50% |
| Michigan | $500–$5,000 | 35.99%–179.50% |
| Mississippi | $500–$5,000 | 35.99%–179.50% |
| Missouri | $500–$5,000 | 35.99%–179.50% |
| Nevada | $500–$5,000 | 35.99%–179.50% |
| New Mexico | $500–$5,000 | 35.99%–179.50% |
| Ohio | $1,000–$5,000 | 35.99%–96.00% |
| Oklahoma | $500–$5,000 | 35.99%–149.00% |
| Oregon | $500–$5,000 | 35.99%–36.00% |
| South Carolina | $500–$5,000 | 35.99%–179.50% |
| Tennessee | $500–$5,000 | 35.99%–179.50% |
| Texas | $500–$5,000 | 35.99%–179.50% |
| Utah | $500–$5,000 | 35.99%–179.50% |
| Virginia | $500–$5,000 | 35.99%–36.00% |
| Washington | $500–$5,000 | 35.99%–179.50% |
| Wisconsin | $500–$5,000 | 35.99%–179.50% |
Loan ranges and APR ranges are indicative and may change based on state law and your individual Personify Finance offer. Some state ranges are tighter than the headline 35.99%–179.50% because of state rate caps.
States where Personify Finance typically does not operate
Due to state licensing requirements or interest rate caps that make the Personify Finance product uneconomical, personal loans may not be available in certain states. These typically include some Northeast and West Coast states with strict small-loan caps. The simplest way to know for sure is to check your rate — Personify Finance will either show you an offer or tell you your state is not currently served.
Why does Personify Finance availability vary by state?
Three main reasons:
- State licensing. Each state regulates consumer lending separately. Personify Finance must hold the appropriate consumer lender or installment lender license in every state where it operates. Obtaining and maintaining those licenses takes time.
- Interest rate caps. Some states cap small-loan APRs at 36% or lower. The Personify Finance underwriting model targets borrowers that fall outside traditional bank risk tolerance, so in states with very strict caps the loan amounts and APRs available may be narrower, or the product may not be offered at all.
- State-specific disclosures. Each state has unique disclosure, right-to-cancel, and fee rules Personify Finance must comply with. New state launches require legal and compliance work.
What to do if Personify Finance isn't available in your state
- Check with a local credit union — many offer Payday Alternative Loans (PALs) in states where Personify Finance isn't licensed
- Look at community development financial institutions (CDFIs) in your region
- Compare other online fair-credit lenders that operate in your state
- If the need is a one-time emergency, consider nonprofit emergency assistance programs through 211 or local religious / community organizations
Important: beware of out-of-state Personify Finance "offers" if your state isn't served
If Personify Finance doesn't operate in your state, any email, text, or ad claiming to offer you a Personify Finance loan is likely a scam. Never pay an upfront "activation fee" to receive a Personify Finance loan from your state when the real Personify Finance platform shows your state is unavailable.