This profile has been claimed by the business owner or representative.
Personify Financial
About this business
Location details
| Weekday | Schedule | Status |
|---|---|---|
| Mon | 8:00 a.m. to 9:00 p.m. | |
| Tue | 8:00 a.m. to 9:00 p.m. | |
| Wed | 8:00 a.m. to 9:00 p.m. | |
| Thu | 8:00 a.m. to 9:00 p.m. | |
| Fri | 8:00 a.m. to 9:00 p.m. | |
| Sat | 8:00 a.m. to 9:00 p.m. | |
| Sun | 8:00 a.m. to 7:00 p.m. |
I would recommend. Easily accessible even though the rates are high but if you need it you can usually get it.
Rates may be high but you can get a loan. You need at least six months of paystubs, utility bills, bank statements, a fair credit score and government ID you're on the way. Pay off early without penalty. The only beef I have is if you pay extra towards the principal amount owed it cuts time off from the end of your loan, don't expect to skip the next payment.
The application form was very user friendly. The speed of approval was amazing. However, the one drawback was the start date of the repayment. Overall, the experience was good.
This is simply a warning to other prospective shoppers for a loan from Personify or similar organizations. It's hard to label them a scam but let's just say they are at the very least, misleading and take advantage of people but I digress... I did fill out their online application after carefully considering my options. I'm not in dire straits for a loan but felt that since my credit card balances were high, why not apply for loan ($1000) and pay off the cards and simply deal with one lender - Oh, I have 2 credit cards with ... read more
Business response:
We cannot discuss the specifics of your situation online to protect your privacy, but our team is contacting you directly to address your concerns. Our application specifically states we will perform hard inquiries which may affect your credit score when an application is submitted. We never do a hard inquiry except as allowed by law, and we do not run additional credit reports after an application is turned down. The letter you received was sent to comply with applicable law which requires lenders to provide notice when an ... read more
In life, unexpected things happen and some people find themselves in difficult challenges that results in financial hardship or challenges. Sometimes our fault, and so many times are not. But, we can't give up, and we may need help. This is my first time dealing with this company, therefore I can't rate their CS rapport or overall service. But, my initial experience and application process, response, approval had been easy and positive. Now, I'm waiting for the funding to process. I will come back afterwards to update that p... read more
The process was pretty easy and efficient. Of course the interest rates are high, but if you need a loan Personify works very well.
I wouldn't even give this place a star if I didn't have to. I received a "pre-qualification" letter in the mail which said I was approved up to a certain amount along with a reference number. I submitted all the necessary information and was prompted to choose a loan option that I was qualified for. I continued entering my bank information for the direct deposit of the loan. Once that was completed, I received a response that there was not an approval for the loan amount and payment plan I chose as per Personify's options. H... read more
Business response:
There are several reasons why a person might not be approved for a loan even after receiving a prequalified offer. For example, changes in a credit situation or the inability to verify income. To protect your privacy, we cannot discuss the specifics of your situation online. However, please contact us directly if you would like us to address your concerns.
It is not worth applying for a loan with Personify Financial. They send you a pre-approved offer. You give out all your information and they even provide you different offers. Once you pick the offer you want, they ask you to sign into your online banking (account) supposedly for verification. Once they have that info too, they tell you that you are not approved for the loan. On top of that, they do a hard inquiry on your credit. So now your credit gets affected for nothing. They didn't help you out in any way and your credi... read more
Business response:
To protect your privacy, we cannot discuss the specifics of your situation online. However, in general, even with prequalified offers, there are several reasons why a person might not be approved for a loan. For example, changes in a credit situation or the inability to verify income. Please contact us directly if you would like us to address your concerns.
I just was approved so have not had an extensive experience as of yet. However the application process was clear and quick. Also the one contact call I made was met with great customer service.
Frequently asked questions about Personify Financial
How is Personify Financial rated?
Personify Financial has a 4.7 star rating with 6,606 reviews.
When is Personify Financial open?
Personify Financial is closed now. It will open at 8:00 a.m.