Trusting Trusted People

Trust is a word we use a lot here at Transform Credit. It's in our DNA.

Trust between us and our customers.
Trust between borrowers and cosigners.
Trust between everyone who works at Transform Credit.

Trust is kind of a big deal to us. But what does "Trusting Trusted People" really mean.

Essentially, it's the way our product works.

If your cosigner (a friend or a family member) trusts you and is willing to support your application, then you're "trusted". If you're a trusted person, by this definition, then we'll trust you with a loan at Transform Credit.

Our decisions on who to lend to are not based on your past credit history. We think that looking at how you handled a loan 3 years ago will tell us very little about trusting you today. So we do it a little differently.

We think there's 2 essential factors to borrowing:

Firstly, can you afford the monthly repayments?
If you apply for a Transform Credit loan, we'll make a detailed budget plan with you.We need to understand your current commitments, and make sure that we only offer you a loan if you're able to comfortably afford the repayments.

If you apply for a Transform Credit loan, we'll make a detailed budget plan with you. We need to understand your current commitments, and make sure that we only offer you a loan if you're able to comfortably afford the repayments.

Trusting Trusted People - Simple!