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Credit9

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LAST UPDATED: April 20th, 2024

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.

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The Good

  • Simple Loan Application Process
  • E-Sign Capabilities
  • Apply With a Co-Applicant
  • No Hidden Fees
  • Financial Consultations Available

Simple Loan Application Process

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:

  1. Checking your rates — You provide your basic personal information and employment documents, and Credit9 will provide the best interest rate available for you. Your credit score will not be impacted by checking your rates.
  2. Accepting your terms — Upon approval, if you are satisfied with your loan interest rate and loan repayment terms, you can securely e-sign your contract.
  3. Getting your money — Once approved, your loan could be funded in as few as 1–2 business days. Your creditors will be paid directly.

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.

E-Sign Capabilities

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.

Apply With a Co-Applicant

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.

No Hidden Fees

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.

Financial Consultations Available

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.

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The Bad

  • Limited State Availability
  • Lower Maximum Loan Amount

Limited State Availability 

Credit9 is licensed to lend in 44 states — the company doesn’t lend in the following states:

  • Colorado
  • Maryland
  • Nebraska
  • New York
  • Oregon
  • Vermont
  • West Virginia

Unfortunately, if you reside in any of the states listed above, Credit9’s debt consolidation loan services will not be available to you.

Lower Maximum Loan Amount

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.

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The Bottom Line

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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Star Rating

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4.5

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52 Reviews

Review Breakdown

5 grade

83%

4 grade

4%

3 grade

2%

2 grade

0%

1 grade

12%

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Value

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Quality

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Service

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Russ

Credit9 went above and beyond to help me navigate a particularly difficult financial situation when I was struggling with significant debt. Their team of professionals provided me with clear and concise guidance on how to manage my finances and create a plan to get back on track. I felt supported every step of the way, and their dedication to my success was unwavering. Thanks to their trustworthy and dependable assistance, I was able to regain control of my financial situation and move forward with confidence. I cannot express how grateful I am for their support during my time of need.

1 week ago

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Verified Customer

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Randall Jacksonville, FL

Kelsey N makes things very simple and easy to understand. She is very attentive and gets back to me immediately. I thank her and all of Credit 9 and look so forward to being debt free. Thank you!

1 month ago

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Lawrence Dittmer

I want to thanks all the people at Americor and Credit 9 for their support and help in resolving my credit problems. I could not have done it without their advice and help.

3 days ago

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Jeff Baldridge

I like to say Credit9 has helped me tremendously and they do what they say they are going to do. I highly recommend them to anyone and they are there to help their customers.

1 week ago

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David Rushbrook

Terrible. Don’t do it! They started charging me interest on March 7th but didn’t pay off my creditors until the end of the month. My largest creditor had to be paid off by March 31st. After calling them daily for weeks about where my money was with different excuses each time, they finally gave me the $7k right before it was due. For this same creditor, I had to negotiate the debt myself because they wouldn’t work with the debt negotiators, but credit9 still added a negotiation fee on my loan. Now I’m paying almost $600 a month to pay them off and only $170 is going to principal. Just don’t do it!

1 week ago

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Reply from Credit9

Dear David,

We're deeply sorry to hear about the challenges you've encountered and for any inconvenience this situation has caused. Your satisfaction is of utmost importance to us, and we're committed to resolving this matter promptly.

After a thorough review of your case, it seems there may have been some misunderstanding or oversight regarding the status of your accounts with AMEX and Affirm. We understand the seriousness of the situation and are taking immediate steps to rectify it.

We would greatly appreciate the opportunity to speak with you directly to gain a better understanding of the issues you're facing and to work together towards a resolution. Please contact us at [email protected] at your earliest convenience so we can address your concerns and find a solution that meets your needs.

Thank you for bringing this to our attention. Your feedback helps us improve our services and ensures that we can better serve you and all our clients in the future.

Sincerely,
Credit9

Apr. 22nd, 2024

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Verified Customer

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Marianne Winter-Greene San Francisco, CA

They were very prompt and quickly answered and helped me with my request, with the desired resolution. Awesome. Jessica was great and very knowledgeable.

1 month ago

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Dayamoy

Through a series of unfortunate circumstances beyond my control I suddenly found myself in a true financial crisis. Following the step by step process I am now in the final stages of getting it all taken care of, which I am deeply appreciative.

2 weeks ago

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Florine Votino

The customer service is great. Especially with Andrew C. He was very patient and helpful and went over and above to make this process easy. He's always been available and easy to talk to and so very pleasant.. Nada M. was very helpful and kind also.. Thank you!

3 weeks ago

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Naj Asaad

I’m currently in the beginning stages of using Credit8. The approval process has been smoother than I thought it would be. Grace was my rep and she explained everything in detail. She was very kind and informative. I appreciate her customer service skills.

1 week ago

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Paul Swink

Stay as far away from these guys as you can. They - along with Americor out in a far worse financial condition than you are at the time they start to "help" you. They only help themselves. They are a scam and I don't know how they sleep at night. DO NOT WORK WITH THEM OR YOU WILL REGRET IT!!! I KNOW I DO!!! If I could give Credit9 and Americor negative rating - I would but 0 is the lowest

6 days ago

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Reply from Credit9

Dear Paul,

We're truly sorry to hear about your dissatisfaction with our services. We understand the importance of trust and reliability when it comes to managing your financial well-being, and we deeply regret if your experience did not meet your expectations.

We want to assure you that we take all feedback seriously and are committed to addressing your concerns. We strive to provide transparent and effective solutions to our clients, and it's disheartening to hear that we fell short in your case.

We would welcome the opportunity to discuss your specific situation further and work towards a resolution that you're satisfied with. Please reach out to us at your earliest convenience at [email protected] so we can better understand your experience and take appropriate action to make things right.

Once again, we apologize for any inconvenience or distress this situation has caused you. Your feedback is invaluable to us as we continue to improve our services and ensure the best possible outcomes for our clients.

Thank you for bringing this to our attention.

Sincerely,
Credit9

Apr. 22nd, 2024

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Stacie Endicott

I was with Americor in my 5th year of paying off debt. Credit9 is an extension of Americor. The only reason I agreed to credit9 is because Americor was not going negociate my last card unless I did. These companies are used in conjunction to make money off the interest of the loans. I was quoted a certain term, payment, and finance charge when they were trying to omboard me which quickly changed once they finally got me to agree to the program. I'm doing this because I have come to far to stop now.

2 weeks ago

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Reply from Credit9

Dear Stacie,

Thank you for taking the time to share your experience with us. We sincerely apologize for any frustration or confusion you've encountered during your journey with our company.

We understand your concerns and want to address them directly. Our aim is always to provide transparent and fair solutions to our clients, and we regret if this wasn't reflected in your experience.

We would like to investigate your case further to understand the specifics of what happened and how we can rectify the situation. Please don't hesitate to reach out to us directly at [email protected]. We're here to help and ensure that you have a positive experience with our services.

Your satisfaction is our top priority, and we appreciate your patience and understanding as we strive to improve our services and ensure a positive experience for all our clients.

Thank you for bringing this to our attention, and we look forward to the opportunity to make things right.

Sincerely,
Americor

Apr. 23rd, 2024

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Tasia Gazdag

There are many loan companies out there, but I am glad I stumbled upon Credit9.. they are extremely easy to work with. I’ve had nothing but the most respectful and professional customer support! They explain all the details, and if I have a question they are right there to answer them. Love it!

1 month ago

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Jeff Thibault

I have never had a loan company tell me that if I make all of my payments to my debt program on time for a period of time that they would finance me the rest to pay of debt . And credit 9 held to there word . And I am so appreciated for that . And thanks to all the staff for the amazing job to help me.

1 month ago

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Andre Cohen

Fantastic experience with Credit9. They walked me through the entire process and made sure I understood exactly what will be taking place. The entire process went very smoothly and so very thankful for Grant reaching out to me. This company is worth the price of admission.

2 weeks ago

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Fabian Rivera

It was a easy experience. Jackie B. help me on my loan. Was very experienced and knowledgeable on her job. She made my process easy…

1 week ago

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Guadalupe V

Credit 9 is a loan company to consolidate my credit cards. The company is a great company that will take you out of deb. Thanks Credit9 for complying with the federal laws.

2 weeks ago

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Kelly Shute

Americor was my start point. After ruining my credit and making me deal with multiple lawsuits and settlements, they gave me less than 48hours notice to sign into a. Agreement with Credit9. Credut8 was happy to give me a loan with a huge percentage rate, a huge payment, and terrible customer service. I made them aware that the date they wanted to pull the automatic draw was not going to work for me. I put in a written request through the app. Funny, they never got it, over drew my account. Customer service rep was super rude and after all that, I never got to speak to a manager, nothing got resolved, I was promised a call back yesterday night…and still nothing. Plus, the lousy credut9 app won’t work and all of my Americor info is suddenly gone. Wtf? Huge mistake! Don’t do any deals with Americor or Credit9.

2 weeks ago

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Reply from Credit9

Dear Kelly,

We deeply regret the challenges you've encountered and apologize for any inconvenience caused. Your experience does not meet the standards we strive for, and we take your feedback seriously. Please know that we are committed to resolving this matter promptly. Kindly reach out to us directly so we can address your concerns and work towards finding a solution that meets your needs.
Please don't hesitate to reach out to us directly at [email protected]. We're here to help and ensure that you have a positive experience with our services.

We value your business and appreciate the opportunity to make things right. Your satisfaction is our priority, and we're dedicated to improving our services based on your feedback. Thank you for bringing this to our attention.

Sincerely,
Credit9

Apr. 23rd, 2024

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Kimberly Nordstrom

Great customer service. Tammy V. made it easy and was always very kind and helpful. She answered all my questions. The process was completed very quickly.

2 weeks ago

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francesca alleyne

We recently used Credit9 in resolving some credit issues that we had & within a weeks our problems were resolved. Thank you Credit9 for your help & a job well done. Fran A. Dee A.

1 month ago

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Salvador Varela

Thank you credit9 team you guys were easy to talk too and explain everything quick and easy all the documents that we needed to sign were done quick. The loan was closed quick thank you guys we really needed this.

1 month ago

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Tina Rio Rancho, NM

They are very fast and efficient. Staff are very friendly .thank you for giving me the opportunity to see my goals of being debt free soon. I will recommend them to family and friends.

1 month ago

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Denise Hofstetter

It’s been a long road, I’m almost done. Thank you for helping me get to my final stretch. Very helpful and patient with me and everyone was ready and able to answer all my questions.

3 weeks ago

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Charles Evans

Process was smooth and simple. Communication was there when you needed and all questions answered.

4 days ago

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Derrick Warren

Credit9 was transparent and straight forward with their offering. It's been a good experience so far.

1 week ago

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Terri Daigle

The process was seamless. The company worked with me to secure the best loan to help me regain financial freedom.

6 days ago

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Reply from Credit9

Dear Terri,

Thank you so much for your kind words! We're thrilled to hear that you found our process seamless and that we could assist you in regaining financial freedom. Providing excellent service to our clients is our top priority, and it's always rewarding to receive such positive feedback.

If you ever need further assistance or have any questions, please don't hesitate to reach out to us. We're here to support you every step of the way on your journey to financial stability.

Thanks again for choosing Americor. We truly appreciate your trust and confidence in us.

Warm regards,
Lesly
Americor

Apr. 23rd, 2024

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Alex Mcdonald

Used Americor to get help with credit cards that I used to pay off quite a few unexpected medical bills and was forced to use Credit 9. They charged me an exuberantly high interest (higher than the credit cards even were) and have blatantly lied multiple times when I’ve called in asking for help. They take advantage of people and kick them while they’re down. They also paid me off with an Amazon gift card if I left them a 5 star review on another platform. Dirty dirty company

2 weeks ago

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Reply from Credit9

Dear Alex,

We're truly sorry to hear about your negative experience, and we apologize for any frustration or inconvenience you've encountered. Providing transparent and supportive assistance to our clients is our top priority, and we deeply regret any instances where we may have fallen short of your expectations.

Regarding the transition to Credit 9 and the associated interest rates, we understand your concerns and apologize if the terms were not adequately communicated to you. We aim to provide clear and transparent information about all aspects of our services, including any potential changes or implications.

We take allegations of dishonesty seriously and assure you that integrity is at the core of our company values. We strive to maintain open and honest communication with all our clients, and we regret any instances where you felt misled.

Regarding the incentive you mentioned, we want to address this directly. While we appreciate feedback from our clients, we never intend to influence or manipulate reviews in exchange for compensation. We apologize if this was your experience, as it does not align with our principles of ethical conduct.

We would like the opportunity to investigate your concerns further and work towards a resolution that addresses your grievances. Please reach out to us directly so that we can discuss your situation in more detail and explore potential solutions.

Please don't hesitate to reach out to us directly at [email protected]. We're here to help and ensure that you have a positive experience with our services.

Sincerely,
Credit9

Apr. 19th, 2024

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Wallace Barnett

I’m truly grateful for my experience with Credit9. They have been thorough , professional, and friendly throughout my debt reduction process.

3 weeks ago

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Deborah Diane Mora

My experience has been so fantastic. My representative Alfredo is so knowledgeable and helped me every step of the way. I am very excited to be with Credit9!

1 month ago

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William Barron

Credit9 overall, does what they say. However, I feel that the service they provide, in junction with AmeriCore, is a scam within these two entities. I asked for AmeriCores help in April 2023 with my financial difficulties. I paid them well to help reduce my debt, but when it came to my biggest debtor, AmeriCore failed to help me with my debt. Instead, they let it go to the lawyers, increased debt $8000 more than what could have been negotiated, and then turned my debt over to Credot9, who were more than happy to increase my debt even more by adding a 28% financing charge to my approval. Yes they approved me, more than happy to finance me but put me right back in debt. I had to settle, and not happy with the way this all came about….and I might add, my help started out with Credit9, then forwarded to AmeriCore.

4 weeks ago

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Reply from Credit9

Dear William,
Thank you for taking the time to share your experience with us. We sincerely apologize for any frustration or dissatisfaction you have experienced during your debt settlement process.

We understand the importance of transparency and effective communication in our services, and we regret if this was not your experience. We want to assure you that we take your concerns seriously and will thoroughly investigate the issues you've raised to ensure they are addressed appropriately.

Our goal is always to provide our clients with the support and solutions they need to achieve financial stability, and we apologize if we fell short of meeting your expectations in this instance.

Please don't hesitate to reach out to us directly at [email protected]. We're here to help and ensure that you have a positive experience with our services.
Thank you for bringing this matter to our attention. We appreciate your feedback as it helps us improve our services and better serve our clients in the future.

Sincerely,
Americor

Apr. 23rd, 2024

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Kimberly Meason

They were so nice, efficient, and made the process very simple and smooth.

6 days ago

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Verified Customer

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Chris

Credit 9 helped me solve me reduce my credit debt and pay it off quickly.

4 weeks ago

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Mkz 0427

Not what i was expecting interest rate is way too high its worse than having a bad credit card its kinda ripoff if you ask me but yeah i just got fucc over like damn...too late now

1 week ago

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Reply from Credit9

DearMkz,

We appreciate you taking the time to share your feedback with us, and we're genuinely sorry to hear about your dissatisfaction with the interest rate. Your experience is important to us, and we take your concerns seriously.

We understand the frustration that can arise when expectations aren't met, especially when it comes to financial matters. We strive to offer competitive rates and transparent terms to our clients, and we regret if this wasn't reflected in your experience.

We would like to discuss your concerns further to better understand your specific situation and see how we can assist you. Please don't hesitate to reach out to us directly at [email protected]. We're here to help and ensure that you have a positive experience with our services.

Again, we apologize for any inconvenience or disappointment you've experienced. Your feedback helps us improve our services, and we value the opportunity to make things right for you.

Sincerely,
Americor and Credit9

Apr. 22nd, 2024

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Bruce Hemmer

They were excellent to work with, the best thingwas the updates and communication on their progress with my case.

3 weeks ago

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Joseph Tams

it was easy and fast, i just sent them my info and it was done

1 week ago

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Darryl Hinson

Credit 9 is a great company help me with my credit problems and I thank them so much for everything

2 weeks ago

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Ro

Credit 9 is a very excellent company to rely on with regards to your credit issues.

4 weeks ago

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Lonnie Bickford

Super helpful, and fast! I'm so greatful!

1 week ago

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Billy Rodgers

One of the best ways to get out of debt consolidation

6 days ago

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Rick Amaro

Alfred G. was very helpful and professional. Thank you Alfred

2 weeks ago

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Katrina Henderson

Easy to work with a responsive. Helped me build my credit back up.

3 weeks ago

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Sherry Scaggs

Working with them is easy. Very nice e people to handle your needs

3 weeks ago

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Cynthia Knerr Eftimiu

The loan was fast, easy to understand and the people were attentive and kind.

4 weeks ago

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C W

Excellent customer service. They are patient and willing to work with you.

4 weeks ago

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Karen Newcomb

When I say I NEVER leave reviews, I honestly NEVER leave reviews. But this time is different! I am so pleased with the attention, communication and efficiency of the Credit 9 team. I am especially grateful to Adam M, Jason H. and Angela! For the first time since I signed up with Americor I felt like the Credit 9 team truly cared, wanted to help and had my back! So, if you are with Americor and Credit 9 contacts you... listen. I was very reluctant at first because I read some negative reviews.... but, I'm telling you give them a chance! For the first time in a year I can exhale and that's all due to Credit 9!

2 weeks ago

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Rodney L Randall

Fast approval but slow completion of the process

3 weeks ago

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Erika Lopez-Tello

They made the whole process easy and pain-free!

4 weeks ago

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Mario Moreno

The monkey on my back got a little lighter ! Thank you !

4 weeks ago

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Judy Whitehead

Credit9 helped me with getting my loan processed and the rest of my debts paid off. Now I will just have one payment and will not have to worry about calls, letters and continued charges on the debts. I would highly recommend giving Credit9 a try, you will be so glad you did!

2 weeks ago

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Logan Helms

Awesome job taking care of everything I needed.

3 weeks ago

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Stephenie St. Rose

Smooth process, they answered all of my question. I feel extremely confident entering the Credit9 program.

2 weeks ago