TransformCredit : Fast, Flexible & Straightforward Loans

Borrow up to $10,000
with a cosigner

Borrow up to $10,000
with a cosigner

Loans based on trust - not your credit history

60 Months

Repayments of 398.93 per month.

Representative Example: Borrowing $5,000 over 36 months, repaying 398.93 per month, total repayable 14,361.48. Interest Rate 35.99% APR. Minimum term 24 months. Maximum term 60 months. Maximum APR 35.99%. There are no added fees. All Loans are subject to credit and underwriting approval. The full range of available loan amounts and rates varies by State.

Who are Transform Credit?

We're a lender, but our loans are a little different. Most lenders look at your credit history to decide whether you can borrow from them, based on how you've previously handled your money. We don't do that - our loans are based on trust.

Why Transform Credit?

If you're trustworthy and can afford the monthly payments but have been turned down by the banks, Transform Credit could be for you. We offer a fair, simple and transparent loan based on trust - not just your financial history.

How does it work?

Apply online - it only takes 5 minutes.

We send you a unique link for your cosigner to register.

As soon as we have everything we need from both of you, we'll transfer the money.

New! Transform Credit Builder

Transform Credit Builder is a loan product that provides a simple and easy way to build your credit score.

As part of your Transform Credit Builder agreement we report to the credit bureaus each of your payments. Each positive payment that is recorded on your credit file could help build and improve your credit score.

The repayments are $5 a month and the account is fully flexible - you can cancel at any time.

Who can borrow from us?

You can borrow from Transform Credit if you can comfortably afford the monthly loan repayments and have a suitable friend or family member who knows you, trusts you, and wants to be your cosigner.

Don't just take our word for it.

My credit was not awesome, but because my MAMA TRUSTS ME, Transform Credit gave me the opportunity to not only transform my credit, but transform my future.

Topher - May 2024

I recently paid off my first loan with transform credit and soon after needed to take out another one. It was super fast and easy to get approved and paid out the money for the loan.

Leslie - Apr 2024

Very easy process and they really care about verifying individuals. They communicated very well and I’m glad there is a company out there like this to help those who need a chance after having struggles.

Madeleine - Jan 2024

What is a cosigner?

A cosigner is someone who knows you - and trusts you. They promise to make the monthly repayments on the loan, if for any reason, you're unable to make the payments yourself.

Why do I need a cosigner?

Sometimes, good people are unable to access loans because something went wrong in their past. That can happen to all of us. That's why, with a Transform Credit cosigned loan, we want to make sure that all trustworthy people can access simple and fair credit.

A cosigned loan is based on trust and what you can afford today, not your past credit history.

A cosigned loan is up to 10 times cheaper than short term payday loans.

Your friends and family know you best so they know if you are trustworthy.

How do I become a cosigner

Once we have accepted the borrower's application we will create a unique link for the cosigner. All the cosigner has to do is click on that link, and complete an online registration - then we will take care of everything else.