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Do you have a pre-qualification code or invitation code?

If you received a letter from Personify in the mail, it will be on the letter.

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Reduce your interest rate % points every months.

Just make on-time payments to qualify
Reductions are applied automatically

FAQs

Q: How soon can I see a rate reduction?

A: After you make on-time payments for consecutive months, your interest rate will automatically be reduced by % points.

Q: Is the interest rate drop permanent?

A: Yes. Every time you complete consecutive months of on-time payments, your interest rate will be permanently lowered by % points.

Q: Will my payment go down?

A: Yes. The lower interest rate will be reflected by a lower payment. You are still welcome to make the original, or higher, payment if you would like to pay down your loan faster.

Q: What if I have trouble making a payment?

A: We want to see your financial success. If you have trouble making a payment, please contact one of our friendly representatives.

Q: How many times can my interest rate be reduced?

A: With consecutive on-time payments, you can reduce your interest rate every months for the duration of your loan.

Q: What is an on-time payment?

A: A payment is considered on-time if it's received within 7 days of the due date.

Q: What happens if I make a late payment?

A: A late payment will not affect any rate reductions that have already been applied to your loan.

Details

The number of consecutive on-time payments required to complete a full month period will depend on your payment schedule. The number of payments per schedule are as follows: Bi-Weekly payments = 13 payments, Semi-Monthly payments = 12 payments, and Monthly payments = 6 payments.

The rate reduction program is applicable only to loans with an APR greater than % and with loan repayment terms greater than -months. Your interest rate will not be reduced below the program minimum interest rate of %.

The effective date of rate reduction is the day after the last eligible on-time payment. The APRs vary for each loan depending on a variety of factors such as loan amount, term, number of days between disbursement and first repayment date, origination fees, etc. Maximum APR is dependent upon the program in which you are participating. If applicable, please see your mailer for additional details and pertinent information.

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How it works

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We'll verify your banking information, and any other information required

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We're here to answer your questions Monday-Friday - 8:00 AM to 9:00 PM CT
Saturday - 8:00 AM to 5:00 PM CT.

1 (888) 578-9546

We're different

Personify is an online lending platform, and we're driven to create success for you.
You're more than just a credit score, and we make the effort to get you the credit access you need by considering your larger financial picture.
Every day we use the latest technology and data science to get people approved who otherwise might not be able to get a loan.
And every day we approve people who find themselves in similar circumstances like you.

That's because we lend to people, not numbers.

Need help?

We're here to answer your questions Monday-Friday - 8:00 AM to 9:00 PM CT
Saturday - 8:00 AM to 5:00 PM CT.

1 (888) 578-9546