4.6
4.6
Credit9, founded in 2017, is an online personal loan lender, specializing in debt consolidation loans for consumers seeking to pay down debt. The company has a fast application and approval process that could provide you with a simple fixed-rate loan — and your loan will typically be funded in as few as one to two business days upon approval.
Credit9 loan amounts range from $2,500 to $45,000 with terms ranging from two to five years. There are no application nor prepayment fees, and you can apply with a co-applicant to secure a lower rate.
Credit9 seeks to provide qualified borrowers with the lowest rates possible, based on borrower creditworthiness, finances, and employment status. In most cases, your Credit9 loan interest rate will often be lower than your combined credit card rates.
Continue reading to discover more about this lender and its debt consolidation process, or jump down to read Credit9 reviews from real clients, like you.
As an online lender, Credit9 has a quick and simple application process. The company’s application and approval process involves three steps, including the following:
All Credit9 loans are made available by Cross River Bank. Loan amounts range from $2,500 to $45,000 with loan terms ranging from two to five years. If you’re unsure about the Credit9’s application and lending practices, you can speak with a company representative. Credit9 is committed to helping borrowers pay off their debt quickly and will work with you to secure the best options for your situation.
As an online lender, Credit9 makes it easier to apply for a loan and get your money faster. The option to e-sign your contracts is noteworthy because not all lenders offer this capability and it can save you time.
If you would like to secure a lower interest rate, Credit9 accepts applications with a creditworthy co-applicant. Other options for receiving rate discounts also include showing proof of retirement savings or setting up direct pay to your creditors.
Credit9 doesn’t charge an application fee nor a prepayment penalty fee. You will however be responsible to pay a loan origination fee (a standard practice in the lending industry). The origination fee is charged in order to process a loan application and typically ranges from 1 to 8 percent of your total loan amount.
In addition to its lending services, Credit9 provides financial consultation services. While specific details regarding consultations aren’t provided, such as cost or scheduling, it can be helpful to know that you can speak with a Credit9 loan specialist regarding your debt or other financial questions and/or concerns.
Credit9 is licensed to lend in 44 states — the company doesn’t lend in the following states:
Unfortunately, if you reside in any of the states listed above, Credit9’s debt consolidation loan services will not be available to you.
Credit9 offers loans up to a maximum amount of $45,000. Compared to some other lenders, this is a considerably low maximum amount — some lenders will provide loans up to $100,000. Thus, if you need a larger loan, you will need to research other lender options.
Lenders will typically require a borrower to have a high credit score and a stable financial situation to provide a loan as high as $100,000; it isn’t necessarily an option that will be available to all borrowers, especially at a low rate.
Credit9 has funded over $400 million in loans and has assisted over 30,000 clients, indicating that the company is a popular choice among borrowers. The company strives to put the borrower first and provides a streamlined process to get the best interest rates for its clients to help them pay off their unsecured debts including credit cards, personal loans, and medical bills. If you need to pay off debt fast, Credit9 can fund your loan in as few as one to two business days after your loan application is approved — the company will pay off your creditors directly, which can take up to 10 days after funding.
Credit9 loans are available in amounts ranging from $2,500 to $45,000. Loan terms range from two to five years, and Credit9 seeks to provide all borrowers with the lowest interest rates possible, based on borrower finances and creditworthiness. In most cases, your Credit9 rate will often be much lower than the interest rates on your credit cards.
Credit9 is licensed to lend in all states, excluding Colorado, Maryland, Nebraska, New York, Oregon, Vermont, and West Virginia. Thus, it is important to confirm whether or not the company’s services are available in your state of residence.
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Karen Newcomb
3 weeks ago
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james wegener
5 days ago
Randi Lanier
1 week ago
You are in great hands with Credit9!
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Apr. 23rd, 2024
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Apr. 22nd, 2024
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Apr. 23rd, 2024
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Tina Rio Rancho, NM
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Denise Hofstetter
4 weeks ago
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2 weeks ago
Alex Mcdonald
3 weeks ago
Reply from Credit9
Apr. 19th, 2024
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Deborah Diane Mora
1 month ago
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1 week ago
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1 week ago
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21 hours ago
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2 weeks ago
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4 weeks ago
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1 month ago
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William Barron
1 month ago
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Apr. 23rd, 2024
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1 day ago
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1 month ago
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2 weeks ago
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Apr. 22nd, 2024
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3 weeks ago
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3 weeks ago
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2 weeks ago
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