TransformCredit : Fast, Flexible & Straightforward Loans


These terms of use apply to the Transform Credit website (referred to as “site”). The site includes all the pages and material contained on the website, including but not limited to all design, text, sound recordings and images. The information on the site is for information only and may be changed at our sole discretion at any time.

Please read these terms and conditions carefully. By accessing our site and any of its pages (collectively, the “Transform Credit Inc. website,” “” or “our site”), you agree to be bound by the terms and conditions below. If you do not agree to these terms and conditions, you must leave the site now. If at any time you do not agree with any of these terms and conditions, you must immediately cease your use of this site.

Illegal use of the website

You agree that you will not engage in any activities related to the Site that are contrary to applicable law, regulation or the terms of any agreements you may have with us.

Copyright and trademark

All copyright, trade marks and all other intellectual property rights in the Site and its content (including without limitation the pages screens, information and material) included in the Site and all software and source codes connected with the Site ("Intellectual Property") is owned by Transform Credit Inc or its related companies unless otherwise noted.

You are only authorized to view and retain a copy of the site material for your own personal use.

Consent to Be Contacted

By submitting your contact information to us, you are expressly consenting to be contacted by us (and our affiliates, agents, assigns and service providers) by telephone, email or postal mail even if you have opted into the national Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List or the Do Not Call List of any specific institution.

We may contact you for application and loan servicing, including without limitation, for matters related to your loan or application, such as to remind you of upcoming payments, or for collections and other loan-related issues.

By submitting your contact information, registering for an account, applying for a Service or beginning an application for a Service, you consent to be contacted by written notices; SMS messages (including text messages); telephone at any telephone number associated with your account you provide now or in the future, including cellular phones, wireless telephone numbers or other wireless devices, and in connection with any such telephone calls, you consent to the use of prerecorded/artificial voice messages and/or automatic dialing devices, at any telephone number associated with your account, including mobile telephone numbers that could result in charges to you for matters related to your loan or application, such as reminding you of upcoming payments, collections, and other loan-related issues; email notices at any email address or mailing address we have for you in our records or from other public and nonpublic databases that we may lawfully access.

Where allowed by law, we also may contact other individuals who may be able to provide updated employment, location and contact information for you.

You hereby further consent that we may utilize third party service and other providers for the purposes of contacting you on our behalf in accordance with the Terms.

You may change your contact preferences by contacting us on +1-470-435-6300


We use 'cookies' to provide you with better and more customised service and with a more effective Site.

A 'cookie' is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.

Links to third party providers: Our Site also contains links to the websites of third party providers of goods and services (Third Party websites). If you have accessed Third Party websites through our Site and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties.

Where you access a Third-Party website from our Site, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party.

No Warranty

The information and these materials contained in this site, including text, graphics, links or other items are provided "As is ", "As available". Transform Credit Inc. does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in them. No warranty of any kind, implied, expressed or statutory including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.

Limitation of Liability

In no event will Transform Credit Inc. be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Transform Credit Inc. or our representatives, are advised of the possibility of such damages, losses or expenses.

Potential Disruption of Service

Access to our Site may from time to time be unavailable, delayed, limited or slowed due to causes beyond the control of Transform Credit Inc. We make no guarantees as to the availability of the Site.

Required age

The site is not directed at children under 18 years old. You must be 18 years old to use the Transform Credit Site. Transform Credit does not knowingly collect information from anyone under the age of 18, and we do not offer loans to anyone under age 18.

Users outside the USA and in different states

Products may only be available in some states in the United States. You may not use or export or re-export any portion of this website in violation of any applicable laws or regulations, including without limitation United States export laws and regulations. Transform Credit Inc makes no representation that the documents, pages, images or other materials or content on this site are appropriate or available for use in jurisdictions outside the United States.

Governing Law

In the event any of the terms or provisions of these Terms and Conditions shall be held to be unenforceable, the remaining terms and provisions shall remain in full force and effect. These Terms and Conditions shall be subject to any other agreements you have entered into with Transform Credit, Inc. Your access to and use of the Site, are governed by the laws of the State of Illinois.

SMS terms

Why do you need to contact me?
Transform Credit only ever contact you when we have to. This can be for updates on your application for notifications and alerts such as payment reminders and monthly statements, so message frequency varies. This could be about your loan application, or if we change or update something that could affect you. This could be app updates to make your life easier, or the possibility to top-up your loan amount.
How do I opt out?
If you choose that you don't want to hear from us then you can tell us anytime and we will always respect your decision, just reply STOP to unsubscribe. We will then send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to resubscribe again, Reply START at anytime.
Help, I'm having issues!
If you are experiencing issues with the messages you can reply with the keyword HELP for more assistance, or you can get help directly at
Fee disclosure: We don't charge for messaging us but you may incur costs from your messaging provider, each provider is different. Transform Credit, also known as 'Transform Credit Inc.' offers updates to existing applications. Message frequency varies. Message and data rates may apply. Reply HELP to any message for help. Reply STOP to unsubscribe. Carriers are not liable for any delays or undelivered messages. For more information see our Privacy Policy.