Frequently Asked Questions

A personal loan is a small, unsecured installment loan that is based on a borrower's creditworthiness, rather than on any type of collateral.

We don't charge any fees for repaying your installment loan early.

Late Fee: We may charge a late fee, should you fail to make a timely payment.

NSF Fee: If applicable, we may charge an NSF fee if there’s not enough money in your account when we attempt to collect a payment.

You can use one of the below payment methods.


The most popular method is Electronic Fund Transfer, also known as ACH. With ACH, you give Personify Loan Services permission to transfer your scheduled loan payment electronically from your checking account, usually on the payment due date. This option is automatic and helps protect you from forgetting to make a payment.

Send a Check By Mail

Another method is to mail in a check to Personify Loan Services for each payment. If you choose this option, please make sure you allow sufficient time for mailing. You are responsible for payments to be received on-time.

You can also make additional one-time payments through the borrower portal (using your bank account and routing numbers), or with a debit card by phone.

Not paying back a loan can impact your credit rating negatively. Please contact Personify Loan Services right away as you may qualify for help with your payments.

No. For any loan being serviced by Peronify Loan Services, you can pay off your loan at any time without paying a pre-payment fee.

Generally, any loan being serviced by Personify Loan Services is scheduled to be paid back in equal installments. However, in certain situations your last payment might differ, depending on your payment history.

A credit score is a person’s track record of borrowing. Credit bureaus such as Experian, Equifax, and TransUnion each have their own scoring system. Lenders use a credit score to estimate how risky it would be to lend money to someone. Lending money includes:

  • Offering a credit card
  • Providing a vehicle loan
  • Approving a mortgage
  • Making a personal loan

The higher a person's credit score, the less risky a lender will typically consider that person. Higher credit scores come from borrowing and repaying successfully time and time again, among other factors. Borrowing more and always paying on time will usually increase your credit score. Missing payments or failing to pay off debts usually decreases your score. Your credit score makes a difference. It can affect the amount of money lenders are willing to provide. It can determine the interest rate you’ll pay. It can limit the amount of time a lender will allow you to repay a loan. A higher credit score will usually earn you better loan terms.

Borrowers with a loan currently being serviced by Personify Loan Services can get their FICO® Score for free because knowledge is power and you can make better financial choices with this information. To learn more about FICO® Scores, visit www.ficoscore.com/info.

Personify Loan Services and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Personify Loan Services and Fair Isaac do not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

You must have an active account with Personify Loan Services to have access to the Borrower Portal. If you are unable to access, and you have an active account, please contact us.

Personify Loan Services reports data about customers to credit bureaus. By doing so, customers have an opportunity to build their credit when they pay on time. A factor in building higher credit scores comes from borrowing and repaying successfully time and time again. Good credit gives consumers access to more financial products at a lower cost.

Details of how we use your data are spelled out in our Privacy Notice.

We take protecting your confidential information seriously. We've set up electronic, physical and procedural safeguards for keeping your information safe. For example, we use secure web pages and encryption to protect your sensitive data and personal information from unauthorized access or use. Details can be found in our Privacy Notice.

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