Loanify

Loanify personal loans for the moments that can't wait

Borrow $200 to $5,000 with a fixed-rate online installment loan. Check your Loanify rate in about five minutes, with no impact on your credit score, and get funds as soon as the next business day.

Apply nowEstimate my payment
  • Soft credit check to see your options
  • Fixed APR from 5.99% to 35.99%, disclosed before you sign
  • Terms from 3 to 36 months, no prepayment penalty
  • Fair credit and gig-work income considered

Approval and funding times are not guaranteed. Loans not available in all states.

Smiling man checking his Loanify personal loan rate on a laptop at home Funds as soon as next business day

Start your Loanify application

Tell us how much you need and a few details about yourself. It takes about five minutes, and checking your rate won't affect your credit score.

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256-bit TLS encryptionSoft credit inquiry onlyNo obligation to acceptNo application fee

What happens after you submit

  1. See your options in minutes. A soft credit check shows the amount, APR and monthly payment you may qualify for.
  2. Choose an offer, or don't. Review the total cost in dollars. There's no fee and no obligation to accept.
  3. Verify and e-sign. Confirm your identity and bank details, then sign online.
  4. Get your funds. Money is typically deposited the next business day after signing.

Have these ready

  • Government-issued photo ID
  • Social Security number
  • Recent pay stub, benefits letter or bank statements
  • Checking account in your own name

Loan amounts $200–$5,000. APRs 5.99%–35.99%. Approval and funding times are not guaranteed. Questions? Contact Loanify support.

Couple carrying moving boxes into their new home, a planned expense many cover with a Loanify personal loan
Personal loans$200–$5,000
Term
3–36 months
APR
5.99%–35.99%
Collateral
None

Loanify personal loans for planned expenses

A Loanify personal loan gives you a lump sum between $200 and $5,000 that you repay in equal monthly installments. Because the rate is fixed and nothing is added to the balance after you borrow, you'll know your payment and your last payment date before you sign.

Borrowers typically use it for costs they can see coming but can't pay all at once: a new appliance, a security deposit, a family event, school supplies for several kids or a trip home. Unlike a credit card, the loan doesn't stay open, so it can't quietly grow.

  • Choose any term from 3 to 36 months
  • Pay extra or pay it off early at no cost
  • Unsecured: no car title or collateral needed

Loanify tip: pick the shortest term whose payment you could still make in a tight month.

Loanify personal loans
Woman shaking hands with a mechanic after her car repair, an urgent cost a Loanify emergency loan can cover
Emergency loans$200–$3,000
Decision
Often same day
Funding
Typically next business day
Upfront fees
Never

Loanify emergency loans when time matters

Emergencies don't wait for payday. A Loanify emergency loan is built for urgent costs such as a sudden car repair, an ER copay, a furnace that quits in January, a past-due utility notice or last-minute travel to be with family. The rate check takes about five minutes and many applicants get a decision the same day.

After you e-sign, funds go out by ACH and usually land the next business day. The fastest applications have a clear photo ID, recent pay stubs and a checking account in the borrower's own name ready before they start.

  • Borrow as little as $200, so you only cover the gap
  • Short terms keep interest low: $300 over 3 months costs $12.58 in interest at 24.99% APR
  • Fixed payments instead of a lump sum due in two weeks

Loanify tip: double-check your routing number before you submit. It's the most common reason emergency funding slips a day.

Loanify emergency loans
Smiling man planning his debt payoff with a notebook and laptop at his kitchen table
Debt consolidation$1,000–$5,000
Term
12–36 months
Payments to track
One
Prepayment penalty
None

Loanify debt consolidation loans

Helping people get out from under high-interest balances has been part of what Loanify does from the start. A consolidation loan pays off several credit card or store card balances, leaving you with one Loanify payment and one due date.

The savings come from two places: a fixed APR that may be lower than your cards, and a firm payoff date that minimum payments never give you. Carrying $4,000 across cards at about 28.5% while paying $150 a month would take roughly 43 months and cost about $2,400 in interest. A $4,000 Loanify loan at 24.99% over 24 months is $213.47 a month with $1,123.18 in interest.

  • Pay the targeted cards the day funds arrive
  • Set up autopay on your single Loanify payment
  • Lower card utilization can help your credit score

Run your own numbers with the debt consolidation calculator.

Loanify tip: keep one card open with a low limit for true emergencies and put the rest away. Closing them all at once can lower your score.

Loanify debt consolidation
Smiling woman reviewing her budget on a tablet at home, rebuilding her credit one on-time payment at a time
Bad credit loans$200–$2,500
Term
3–24 months
APR cap
35.99%
Credit reporting
Yes

Loanify loans for bad or rebuilding credit

A low score doesn't tell the whole story. Loanify reviews income stability, debt-to-income ratio, recent payment behavior and bank account history alongside your credit report, so borrowers with scores in the 500s and 600s can be considered.

We're upfront about the trade-offs: rebuilding-credit borrowers usually see higher APRs and smaller first loans. But every Loanify loan is capped at 35.99% APR, far below payday or title loans, and on-time payments are reported to the credit bureaus, so the loan itself can become part of your comeback.

  • No "guaranteed approval" promises, just a real review
  • Smaller first loans keep payments manageable
  • Payment history is about 35% of a FICO® Score

Loanify tip: a $600 loan repaid on time is a stronger next application than a $2,500 loan you struggled with.

Loanify bad credit loans

Which Loanify loan fits your situation?

Start with what you need the money for. These are typical ranges; your actual amount and term depend on your application.

Loanify loan services compared
Personal loanEmergency loanDebt consolidationBad credit loan
Best when you need toCover a planned purchase or eventPay an urgent bill this weekReplace several card payments with oneBorrow while rebuilding credit
Typical amount$500–$5,000$200–$3,000$1,000–$5,000$200–$2,500
Typical term6–36 months3–12 months12–36 months3–24 months
Learn moreLearn moreLearn moreLearn moreLearn more

How Loanify works, from rate check to deposit

No branch visits and no paperwork in the mail. Most borrowers finish the whole process from a phone.

  1. Step 1

    Check your rate

    Choose an amount and share basic details about income and housing. A soft credit pull shows what you may qualify for.

    About 5 minutes
  2. Step 2

    Review your offer

    See the APR, monthly payment, term and total cost side by side before you commit to anything.

    Right after your rate check
  3. Step 3

    Verify and sign

    Confirm your identity and bank account, then e-sign your loan agreement online.

    Minutes to 1 business day
  4. Step 4

    Get your funds

    Money is sent by ACH direct deposit, typically the next business day after signing.

    Typically next business day
Apply nowRead the full Loanify application walkthrough

What a Loanify loan really costs

We show the full cost in dollars, not just a percentage. Here is what different amounts look like at our representative 24.99% APR.

Your APR could be lower or higher depending on your credit profile, income and state. Paying extra or paying off early always lowers the total interest, because Loanify never charges a prepayment penalty.

See every Loanify rate, fee and state detail

Pick an example amount

Loan amount
$1,000
Term
12 months
Monthly payment
$95.04
Total interest
$140.47

At 24.99% representative APR. Your offer may differ.

See all examples in a table
Sample Loanify loan costs at 24.99% APR
AmountTermMonthlyTotal interestTotal repaid
$5006 months$89.51$37.07$537.07
$1,00012 months$95.04$140.47$1,140.47
$2,00012 months$190.08$280.94$2,280.94
$3,50024 months$186.78$982.79$4,482.79
$5,00036 months$198.77$2,155.82$7,155.82

Estimate your Loanify loan payment

Set your own APR, add an origination fee or extra monthly payments, and see how every payment splits between principal and interest.

Monthly payment$0
Total interest$0
Paid off in0
You receive$0
Each payment, principal vs. interestPrincipal Interest

Apply now
Show month-by-month schedule
Amortization schedule
MonthPaymentPrincipalInterestBalance

Estimates only; your actual APR and payment appear on your offer. More free tools: DTI calculator and debt consolidation calculator.

Loanify reviews: what borrowers tell us

How borrowers describe the Loanify experience: speed, clear terms, credit checks and customer service.

Read more Loanify reviews
Marcus T.Columbus, OH

Fast funding when my car broke down

I was nervous about online lenders, so I read Loanify reviews first. The soft credit check didn't affect my score, I saw my rate in minutes, and the money for my transmission was in my account the next business day.

Emergency loan · $1,800
Angela R.Mesa, AZ

One payment instead of three credit cards

I used a Loanify debt consolidation loan to pay off three credit cards. My APR is lower than the cards were and I know exactly when I'll be debt-free. No hidden fees; everything was spelled out before I signed.

Debt consolidation · $4,200
Devon K.Raleigh, NC

Legit lender, verification took an extra day

I wanted to know if Loanify was legit before applying. It is. My pay stub photo was blurry, so verification took one more day, but customer service told me exactly what they needed and was quick to reply.

Personal loan · $950
Priscilla M.San Antonio, TX

Easy online application for my move

I needed a security deposit and first month's rent. The online application took about five minutes on my phone, and I could see the monthly payment and total cost before I agreed to anything.

Personal loan · $2,000
Kevin D.Detroit, MI

Approved while rebuilding my credit

My credit took a hit a few years ago. Loanify looked at my income, not just my credit score. I got a small first loan, paid on time every month, and my score has gone up since.

Bad credit loan · $600
Sandra P.Knoxville, TN

Clear terms and no prepayment penalty

I was offered a little less than I asked for, but the payment fit my budget. I paid the loan off two months early and there was no prepayment penalty. Simple and honest.

Personal loan · $1,200

Illustrative examples of common borrower experiences, not verified customer reviews. Names shortened for privacy.

Friendly customer support representative

Questions while you apply? We're here to help.

Our U.S.-based support team can help with questions about your application, verification documents, payments or a payoff quote.

  • Mon–Fri 8 a.m.–8 p.m. ET, Sat 9 a.m.–3 p.m. ET
  • Replies within one business day
Apply now Contact Loanify

Loanify questions, answered

Quick answers about rates, credit checks, funding and eligibility. Can't find what you need? Visit the full Loanify FAQ.

Still have a question?Our support team replies within one business day.Contact support
What is Loanify?

Loanify is an online personal loan service for U.S. borrowers who need between $200 and $5,000. You complete one short application, see your options with a soft credit check, and if you accept an offer, funds are typically deposited to your bank account within one business day.

How much can I borrow with Loanify?

Loanify loans range from $200 to $5,000. The amount you are offered depends on your income, existing debts, credit history and the rules in your state. First-time borrowers are often offered less than the maximum.

Does checking my Loanify rate affect my credit score?

No. Loanify uses a soft credit inquiry to show you estimated rates and terms. Soft inquiries are visible only to you and do not change your score. A hard inquiry may happen only after you choose an offer and continue with the lender.

How fast can I get my money?

Most approved Loanify borrowers who sign their agreement before the daily cut-off receive funds by ACH direct deposit the next business day. Weekends, bank holidays and extra verification can add time.

Can I get a Loanify loan with bad credit?

Possibly. Loanify reviews more than your credit score, including income stability and your debt-to-income ratio. Borrowers with fair or rebuilding credit can apply, although APRs are typically higher and approval is not guaranteed.

Is Loanify legit?

Loanify publishes its APR range, representative example, lending disclosures, privacy policy and editorial standards, and never charges upfront fees. Our guide Is Loanify legit? shows how to verify any online lender.

Are there prepayment penalties?

No. You can pay off a Loanify loan early at any time without a prepayment penalty, which reduces the total interest you pay.

What do I need to apply?

A valid ID and Social Security number, a checking account in your name and proof of regular income. See the full list in our Loanify loan requirements guide.

Is Loanify a direct lender?

It depends on your state. Loans marketed on loanifyloan.com may be made by Loanify or by a licensed lending partner, and your loan agreement names your lender and its licensing information. See our lending disclosures.

Where are Loanify loans available?

Availability, amounts, rates and fees vary by state because each state regulates consumer lending differently. Your application confirms whether Loanify loans are available where you live.

What can I use a Loanify loan for?

Most personal, family or household costs, including car repairs, medical and dental bills, moving costs, home repairs, family events and consolidating credit card debt. Loanify loans can't be used for business purposes, direct tuition payments, gambling, investments or anything illegal.

From the Loanify learning center

Plain-English guides to help you borrow less, pay less and build stronger credit.

Loanify Editorial Team Written and fact-checked against primary sources. How we create content

Hands reviewing loan documents next to a laptop before choosing an online lenderStart here · 8 min read

Is Loanify legit? How to verify any online lender

An 8-point checklist, the disclosures to look for and the red flags that signal a loan scam.

Read the guide →

See what Loanify can offer you in about five minutes.

Check your rate with no impact on your credit score. Borrow $200 to $5,000 with fixed monthly payments.

Apply nowEstimate my payment