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They gave me great service and were very detailed with the terms of their contract. Because they require a cosigner to begin the underwriting process, it helps me believe that they can at least give m... See more
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Verified
At first when we try to get a loan. We thought transform credit is a scam. Because it requires co signed to do video call, asking for both borrower and co signed debit card and bank account informatio... See more
Verified
Donald, was very thorough. He took his time to explain in detail every little nook and cranny of the contract, expectations, responsibilities, and penalties (if necessary) I greatly appreciate his pat... See more
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Honestly you were swift effective reliable and trust worthy. You made my experience one that would always cause me to return and keep doing business with you and I hope we have a long lasting relation... See more
Company details
- #8 of 16 best companies in Car Finance and Loan Company
- #74 of 207 best companies in Alternative Financial Service
- #104 of 253 best companies in Non-Bank Financial Service
About TransformCredit
Written by the company
Transform Credit
The US guarantor loan company that offers old-fashioned loans based on trust. Fast, flexible and straight forward. Borrow up to $10,000 with a guarantor within 24 hours. Comparison Rate 35.99%Decisions made by real people
Transform Credit doesn't just let computers decide if you can have a guarantor loan. The most important thing is that you have a friend or family member who trusts you enough to guarantee to make repayments if you don't, and that you can afford to repay the loan.No Fees or Charges ever
Transform Credit doesn't charge fees for applying for a loan, paying your loan off early or making a late payment. The only thing you pay is the interest agreed before the loan is paid out.A cheaper way to borrow
Our guarantor loans are around ¼ th of the interest rate of a payday loan and are proven to be one of the cheapest options for anyone borrowing $3,000 - $10,000 with bad credit.Paying off your guarantor loan
We've thought of as many ways as possible for you to repay your guarantor loan. Monthly repayments are made automatically by ACH, but you can also pay by card in our App or over the phone at any time during office hours. Interest is calculated daily so you only pay for the time you have the loan. This means if you pay the loan off early, you pay less than the agreed amount as you stop paying interest on that money immediately.Join the thousands of customers who we have helped Transform their Credit today.
Please note that we are currently only accepting applications from Georgia, Illinois, Wisconsin, Utah, California, Idaho, New Hampshire, Oregon, South Dakota, Missouri, New Mexico, Virginia, Florida (only the borrower needs to be a resident of these states). We are soon launching in other US states.Contact info
Chicago, United States
- 4704356300
- hello@transformcredit.com
- transformcredit.com
4.7
Excellent
5K reviews
Replied to 72% of negative reviews
Typically replies within 2 weeks
Verified
Transform Credit came through for me
Transform Credit came through for me when I needed something magnificent to happen for me. It was a painless process and funds were available very quickly.
Date of experience: June 30, 2025
I will never refer anyone to this…
I will never refer anyone to this lender communication is horrible you they have no live agent to speak to you always have to leave a message and they call you back weeks later they tell you to not ask for a call back just leave a message and they stole my credit and haven’t given it back and they will use your credit when they choose I hate this lender and they are theives please find another lender!!
Date of experience: June 07, 2025
Verified
The process was super simple
The process was super simple. While it was a lot of steps, the people were super helpful in making sure questions were answered and I received my money very quickly.
Date of experience: July 01, 2025
Verified
Great service!
Date of experience: July 04, 2025
Verified
Customer service
Customer service was above and beyond my expectations agents were very patient and professional
Sometimes when you’re having to resort to loans, you can kind of feel the person on your other end seem to talk down to you, but your agents were very professional and I do appreciate that
Date of experience: July 04, 2025
Verified
Easy to use and very formidable help
Date of experience: July 03, 2025
Verified
At first when we try to get a loan
At first when we try to get a loan. We thought transform credit is a scam. Because it requires co signed to do video call, asking for both borrower and co signed debit card and bank account information. But at the end after all the provided we finally get our funding in 1 day. Very quick and easy. Every single person answering the phone is nice , they also explain everything about the loan terms and interested rate. If you need some quick cash for business. This is great loan you can get , if you can paid back sooner. . Most definitely recommended.
Date of experience: July 04, 2025
Verified
The representatives were all…
The representatives were all wonderful...Rau was a joy as well.
Date of experience: July 04, 2025
Verified
Great experience
Friendly customer service thorough explanation of terns and what's expected of the customer.
Date of experience: July 04, 2025
Verified
Quick processing
Christy and the entire team were very understanding and helpful in approving my application and getting me the much needed funding for my situation.
Date of experience: July 04, 2025
Verified
Very fast and efficient Polite people…
Very fast and efficient Polite people and kept me informed
Date of experience: July 04, 2025
Verified
Got loan approval with no problem
Got loan approval with no problem
Date of experience: June 12, 2025
Verified
Absolutely best place possible to get a…
Absolutely best place possible to get a co sign loan! They have you top dollar and best service! I suggest here any day!
Date of experience: July 03, 2025
They are always there when you need a…
They are always there when you need a helping hand
Date of experience: July 01, 2025
Verified
The service was great.Got the money in…
The service was great.Got the money in a short amount of time when they said they were gonna deliver the funds. Great service
Date of experience: June 26, 2025
Verified
The customer service was spectacular…
The customer service was spectacular and very professional. I never felt so important from a loan company. They made feel really welcome and happy. Thank you for all of your kindness and support.
Date of experience: July 03, 2025
Verified
Thank you for your quick response and I appreciate your help.
Date of experience: June 25, 2025
Verified
team was very quick and helpful with…
team was very quick and helpful with answering questions
Date of experience: July 03, 2025
Verified
Best experience I ever had.
It was very easy took it alone they was patient and nice to us very kind people they helped us when we was in the time of need and we really do appreciate them and this company.
Date of experience: July 03, 2025
Verified
Amazing Customer Care
The process was very straightforward and Alex was amazing at customer service. I feel like he went above and beyond to make sure that I understood and was comfortable with everything. Thank you, Alex and thank you, Transform.
Date of experience: July 03, 2025
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