Last updated: October 1, 2026
Loan terms
Loanify loans range from $200 to $5,000 with repayment terms of 3 to 36 months. APRs range from 5.99% to 35.99%. Your APR is determined by your credit profile, income, debt obligations, loan amount, term and state of residence. Not all applicants will qualify for the lowest rates or the maximum amount.
Representative example
Representative example: a $2,000 Loanify loan repaid over 12 months at 24.99% APR has 12 monthly payments of $190.08, for a total repayment of $2,280.94 (total interest $280.94). Loan amounts range from $200 to $5,000 with terms of 3 to 36 months. APRs range from 5.99% to 35.99% and depend on credit profile, income, loan amount, term and state of residence.
Credit checks
Checking your rate involves a soft credit inquiry that does not affect your credit score. If you accept an offer and proceed, a hard credit inquiry may be performed, which may affect your score. Payment activity may be reported to one or more consumer reporting agencies; late or missed payments may negatively affect your credit.
Who makes your loan
Depending on your state, loans marketed on loanifyloan.com may be made by Loanify or by a licensed lending partner. Your loan agreement will identify your lender, its licensing information and the full terms of your loan. Loanify does not charge you a fee for using this website.
State availability
Loans are not available in all states. Amounts, rates, fees and terms may vary by state to comply with state law.
Funding times
Funding is typically the next business day after approval and signing but is not guaranteed. Timing depends on verification, your bank and bank holidays.
Military borrowers
Loans to covered members of the Armed Forces and their dependents comply with the Military Lending Act, including a 36% Military Annual Percentage Rate limit.
Fair lending
The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status or age (provided the applicant has the capacity to contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
USA PATRIOT Act notice
Federal law requires us to obtain, verify and record information that identifies each person who applies for credit, including name, address, date of birth and other identifying information.
Responsible borrowing
A Loanify loan is intended for short-term needs, not as a long-term financial solution. See our responsible borrowing page for a pre-borrowing checklist and free help resources.
Complaints
See our complaints process. Contact Loanify support first. You may also submit a complaint to the CFPB at consumerfinance.gov/complaint or to your state's financial regulator.