About Loanify
We believe borrowing a small amount shouldn't mean accepting confusing terms or triple-digit APRs. Loanify exists to make small-dollar credit clear, fair and fast.
Why Loanify exists
Millions of Americans face an expense of a few hundred or a few thousand dollars without enough savings to cover it. For too long, their choices were a maxed-out credit card, an overdraft fee, or a payday loan due in two weeks at an APR above 300%.
Loanify was built to offer a better middle ground: installment loans from $200 to $5,000 with fixed payments, APRs capped at 35.99%, and every cost disclosed up front. Our work spans personal loans, emergency loans, debt consolidation and options for borrowers rebuilding their credit.
We measure success by whether borrowers finish their loan in a better position than they started: bill paid, credit intact or improved, and no cycle of re-borrowing.
Our lending standards
- Every offer shows APR, payment and total cost before you sign
- APRs never exceed 35.99%
- No prepayment penalties, ever
- No upfront fees to receive a loan
- Affordability review on every application
- Payment reporting to major credit bureaus
- Fair lending: decisions never based on race, religion, sex, national origin or other protected characteristics
The Loanify Editorial Team
Every guide, calculator and loan page on loanifyloan.com is written and fact-checked by the Loanify Editorial Team. Here is how we work.
Researched from primary sources
We work from federal statutes and regulations, CFPB and FTC guidance, Federal Reserve research and our own current loan terms.
Math you can check
Every payment example uses the standard amortization formula, rounded to the cent, with the APR and term stated.
Checked twice, updated often
Each page is checked a second time before it goes live and reviewed again whenever laws, rates or our products change.
Learn how we research and fact-check our content in our editorial policy.
How we protect borrowers
Your information is encrypted in transit with 256-bit TLS and accessed only by staff who need it to process your application. We follow the Gramm-Leach-Bliley Act privacy requirements and never sell your personal information. Read our privacy policy for details.
Talk to us
Questions about an application, a payment or anything on this site? Our U.S.-based support team replies within one business day. Contact Loanify.
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.