transformcredit.com

4.6
4.6 Based on 160 reviews

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Average Rating

4.6

/
5

160 Reviews

5 Star
77%
4 Star
11%
3 Star
1%
2 Star
2%
1 Star
9%

All Reviews

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Review Time

Joann Williams
I have had two great experences with together loans. The transition has been smooth and all of the r

I have had two great experences with together loans. The transition has been smooth and all of the representatives have been very helpful and respectful.

5
Date of experience: Feb 19, 2026
Jasmin Griffin
I am very unsatisfied and the process isn't quick and easy like they advertise. I feel I have been s

I am very unsatisfied and the process isn't quick and easy like they advertise. I feel I have been scammed by these people. They are nice but they do not understand when you are at your lowest point. I am very unhappy with my experience.

1
Date of experience: Feb 12, 2026
Sean shubert
I don't know why y'all took 5.00 out my account be I will be reporting y'all to the BBB for stalling

I don't know why y'all took 5.00 out my account be I will be reporting y'all to the BBB for stalling from me Do NOT I REPEAT DO NOT USE THESE PEOPLE THEY WILL TAKE FROM YOU AND YOU WANT KNOW FOR WHAT THEY DID NOT HELP ME AND I DON'T EVEN KNOW HOW THEY DID IT

1
Date of experience: Feb 06, 2026
Jaime Jaime Velazquez
I disliked being asked for a cosigner I'm 69 years old and I have no debt. If 5000 dollar pmt is 23

I disliked being asked for a cosigner I'm 69 years old and I have no debt. If 5000 dollar pmt is 234 a month for 36 months I would pay that off faster. Imagine a 2000 loan in 24 months with in a year I would have you paid off. So I'm hoping that you reevaluate your disician to be positive take a chance on me.

3
Date of experience: Jan 25, 2026
Wells Clark
Regret getting a loan from them; they're not trustworthy.

I truly regret reaching out for a loan from this service. Their interest rates are excessively high, and they show no concern for their customers. Each month, the interest charges are outrageous. If you fall behind on payments, they automatically deduct from your credit instead of the principal, which feels like a deceptive way to take your money. If you’re not familiar with the terms and conditions or the app, you might find yourself in a tough spot. I attempted to change my payment frequency from monthly to weekly, but couldn't revert it back. Despite numerous attempts to contact them, I received no response until much later, and only through text, which feels very unprofessional. The responses are vague, and it seems their priority is just to take your money. I've paid off nearly $9,000, yet my loan balance remains at $7,500 out of the $10,000 I initially borrowed. This situation is simply unfair.

1
Date of experience: Jan 18, 2026
Cecil Parker
Avoid at all costs. Deceptive practices.

Avoid at all costs. "Amount disbursed to your guarantor; 5,000.00. Loan amount credited to your account; 0.00... Amount financed 5,000." They request bank account details but still involve a third party. This is clearly a scam where the 'loan is only on paper,' and you never actually receive the funds.

1
Date of experience: Jan 06, 2026
Dwight Howard
Need for More Efficient Applications

There is a real need for quicker and simpler application processes. I'm currently working on improving my credit scores, sitting at a 725 FICO score. The platform is great, and I haven't even included my SSDI payments yet, especially coming from a 590. Once my account is switched, my score should improve further, helping me manage my finances better. I'm aiming for a $200 loan, but despite my efforts to enhance my scores, I'm finding it challenging to get opportunities, especially since I have no debt.

1
Date of experience: Jan 01, 2026
Stetson Adams
Grateful for the Support and Experience

I truly appreciate the assistance and the positive experience. This is an excellent service, and I feel blessed. I'm very thankful for the loan and the ongoing blessings.

5
Date of experience: Dec 25, 2025
Filling out the form was straightforward and simple.

Completing the form was quite easy and not overly complex. It felt direct and clear, without any confusion. I found the process enjoyable and hope it proves beneficial. My title would definitely be useful!

5
Date of experience: Dec 24, 2025
Ted Fisher
Exceptional Financing Experience

When others turned me away or made the process complicated, this service stepped in without unnecessary hurdles. They clearly outlined the payment schedule, and if any issues arise, they are ready to assist in finding a solution. I would certainly consider them again for future financing needs.

5
Date of experience: Dec 23, 2025

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