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:

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.
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.
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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What people are saying on Google

Sherrie Curry

3 weeks ago

star star star star star

I am so glad that I found Credit9. They allowed me to afford some really important things. It was especially good that they made the monthly payments fit my budget. I would not hesitate to call on them again if necessary.

Jessica Heggins

1 month ago

star star star star star

I have absolutely no regrets! Of course it was a bit scary at first and all seemed too good to be true. But Taras and the team quickly assured me that they’d be there every step…and all the tools to help me along! Everything was so transparent!! Super grateful! I made tge jump back in early 2023, immediately plummeted to 450! But I stayed on course and am a solid 720 but still on the up trend! Before credit9’s opportunity, I was paying all my bills but it was like treading water never getting anywhere! Highly recommend

Cassandra Amendarez

1 month ago

star star star star star

My credit9 experience has been awesome, they are professional and have amazing customer service. Explain what I should expect from start to end. Been great help.

Bob Johnston

1 month ago

star star star star star

This was a very pain free process to resolve my financial crisis. The help I received was very forthcoming and helpful. The guidance was clear and helpful. I am very happy that I chose to go with this service!

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User Reviews

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4.6

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205 Reviews

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Iain Philbrook

Got a Credit9 Loan via Americor's process. I was told the loan wouldn't raise my payment amounts from what it was with Americor, and that this would allow me additional financial freedom such as other loans. Well the Credit9 loan raised my payments by $100/month, and they didn't even pay the full amount to consolidate my loans! 8 months after I get this loan, I find out that my credit card debt (that was supposed to be settled by Credit9) wasn't fully paid off and so the credit bureaus basically had me reported with DOUBLE my debt because of this!! During one of my several phone calls back and forth, the Credit9 representative was blatantly lying to me and telling me that they had made the full payment to my Chase debt, even though I had just confirmed the opposite. Additionally, the Credit9 loan that I was essentially forced into (if I wanted to continue with my life) was over 25% interest!!

3 months ago

Reply from Credit9

Dear Iain,

We sincerely apologize for the frustrations and challenges you've experienced. Your feedback is extremely important to us, and we want to ensure we address your concerns thoroughly.

Regarding your Credit9 loan, we deeply regret any misunderstanding about the terms of the loan and its impact on your monthly payments. We strive to clearly communicate all program details, and it’s disheartening to hear about the confusion and dissatisfaction you’ve faced.

We are especially concerned about your mention of unresolved credit card debt and reporting issues. We’d like to investigate this matter further to ensure any errors are corrected and all obligations are properly resolved.

Please reach out to us at officeofthepresident@americor.com, or provide your preferred contact information so we can escalate your case to our senior support team. Our goal is to work with you to resolve these matters as quickly and effectively as possible.

Thank you for bringing this to our attention and for giving us the opportunity to make things right.

Sincerely,
Credit9

Jan. 7th, 2025

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Cathy Garner

I did not understand that the loan was over 27% on interest. I had paid over 8000 dollars for the first year, and the total went down by minimal. I hope that everyone understands what you all are signing. They are taking advantage of people who get in debt. I was paying 800$ a month, 400 every two weeks. It was going to be for over 7 years.

2 months ago

Reply from Credit9

Thank you for sharing your concerns. We understand that loan terms and interest rates can sometimes be overwhelming, and we want to ensure you have full clarity on your agreement. Our goal is to provide financial solutions that help our clients, not add to their burden. Please reach out to us directly at Officeofthepresident@americor.com at your earliest convenience so we can review your situation in more detail and explore potential solutions together. We’re here to help. Kind regards, Credit9

Feb. 4th, 2025

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Brian

Not really happy about this whole deal. I was not late on any bills and was having no problem paying them. I kind of got fast talked into it and all I ended up with was an expensive loan and bad credit. My fault for being stupid. Now I have to pay this loan back and can't really use my credit to even rent an apartment.

2 months ago

Reply from Credit9

Thank you for sharing your feedback. We’re sorry to hear about your experience and understand your frustrations. Our goal is to provide solutions that help improve financial situations, and we regret if the program did not meet your expectations. Unfortunately, we’re unable to locate your account based on this review, but we’d like the opportunity to address your concerns. Please reach out to us directly at Officeofthepresident@americor.com so we can discuss your experience in more detail and work together to address the issues you’ve mentioned.
Kind regards,
Credit9

Jan. 29th, 2025

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Ryan Solek

NEVVVVERRRRRRRR use this company ever. They will take your money and screw you over. They will charge you a 26% interest rate, they dont care about you. The WORST customer service. They told me my 3 accounts were setttled, sent me the contract to sign. I sign it and they bumped up my payments by another $280. A year later im being sued by american express because the debt was never settled. Credit9 lied to me, Had me sign a contract knowing it was not settled and then bumped up my payments to put more money in their pockets. Good luck speaking to anyone with english as a first language. Do yourself a favor get a debt lawyer and have them handle your debt. This company is an absolute dumpster fire and i would never recommend this company to anyone

6 months ago

Reply from Credit9

I’m very sorry to hear about your experience and truly regret the frustration you’ve gone through. I understand your concerns about your accounts and the issues you've had with settlements and payments. Transparency and clear communication are extremely important to us.

We also want to ensure you receive proper support moving forward.Please reach out to us directly at Officeofthepresident@americor.com at your earliest convenience so we can look into your case in detail and find a way to resolve these issues. We’re here to help and work with you to get things back on track.

Thank you for bringing this to our attention, and we look forward to assisting you further.
Kind regards,
Credit9

Sep. 27th, 2024

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Earl Hinson

This company Credit9 needs to get it's act together,they never let you talk with a supervisor and they have too many people working on your account which makes for a lot of confusion and they don't provide any type of receipts when they settle with a creditor,I started with Credit9 last November 2023, in the end I end up filing Bankruptcy because Credit9 wasn't doing there job, I don't recommend anyone using Credit9 they have Terrible customer service,my loan was for a little over $18,000 and with their high interest rate for 5 years I would've end up paying over $32,000 which is crazy,they are supposed to be in the business to help people not get rich off of customers poor decision making that put me this situation please stay away from this company unless you like a lot of drama and confusion

9 months ago

Reply from Credit9

Dear Earl,

Thank you for taking the time to share your feedback. We are truly sorry to hear about your negative experience with Credit9 and the challenges you faced.

We apologize for any confusion caused by multiple people handling your account and for the lack of communication and receipts for creditor settlements. Your concerns about our customer service and the financial strain you experienced are important to us.

We strive to provide effective support and transparent communication, and it’s clear we fell short in your case. We would like the opportunity to discuss your experience further and work towards a resolution.Please don't hesitate to reach out to us directly at officeofthepresident@americor.com. We're here to help and ensure that you have a positive experience with our services.

Thank you for bringing this to our attention. We hope to address your concerns and improve our services.

Sincerely,

Credit9

Jun. 21st, 2024

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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!

11 months ago

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 officeofthepresident@americor.com 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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Darron Wilson

I regret going through credit 9/americor. It ruined my credit score and I ended up in more debt because they had me stop payments on my credit cards which accumulated late fees and interest. They only ended up getting me a loan to help pay for half of one of the credit cards and the other card ended up going to collections because they don't work with Wells Fargo.

10 months ago

Reply from Credit9

Darron,
We appreciate you taking the time to share your experience with us. We're sorry to hear that you are unhappy with the outcome of your program with Credit9/Americor. Our goal is to help clients reduce their debt, not add to it, and it's concerning to hear that your experience did not meet these expectations. We understand how frustrating it can be to see your credit score impacted and to deal with late fees and interest.

Please reach out to us directly at Officeofthepresident@americor.com at your earliest convenience so we can discuss your situation in more detail and explore potential solutions together. We are committed to resolving this issue and providing the support you need.

Kind regards,
Americor/Credit9

Jun. 19th, 2024

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Shanilla Balcom

Wanted to get out of the 25.99 % interest on my credit cards so went the route of debt consolidation. Only to tank my credit score, and get charge 25.99% interest with them. Thankfully I was able to pay it off because it would’ve left me with 22,000 in interest alone: how they think they are helping anyone. Beyond me. And I’m still fighting to get my 300$ back that they took from my account but told me they have no record of that. Even though I sent them my bank statement. Would not recommend or trust.

10 months ago

Reply from Credit9

Thank you for taking the time to share your experience with us. We sincerely apologize for the challenges you faced during your debt consolidation journey. Your feedback is invaluable to us as we continuously strive to improve our services and processes.

We understand the importance of transparency and accountability in financial matters, and it's disheartening to hear that you encountered difficulties, both in terms of the interest rates and the issue with the $300 refund. We assure you that we take such matters seriously and are committed to resolving them promptly.

Your satisfaction is our top priority, and we are dedicated to addressing your concerns to the best of our ability. Please contact us at Officeofthepresident@americor.com to further investigate this issue.

If there's anything else we can assist you with or if you have any further questions, please don't hesitate to reach out to us directly. We value your trust and appreciate the opportunity to make things right.

Warm regards,
Credit 9

Jun. 5th, 2024

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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

11 months ago

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 officeofthepresident@americor.com 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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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

11 months ago

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 officeofthepresident@americor.com. 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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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.

1 year ago

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 officeofthepresident@americor.com. 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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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.

1 year ago

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 officeofthepresident@americor.com. 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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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

11 months ago

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 officeofthepresident@americor.com. 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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Charles Lejsek

I tried to get out of my loan and was never able to. This company steals your money.

11 months ago

Reply from Credit9

Good afternoon Charles,

We're truly sorry to hear about your negative experience. We take all feedback seriously and strive to provide the best service possible to our clients. It's concerning to hear that you felt unable to get out of your loan, as it's our priority to assist clients in finding viable solutions to their debt situations.

We'd like to address your concerns directly and work towards a resolution. Please reach out to our customer service team at officeofthepresident@americor.com so we can discuss your situation further and find a solution that meets your needs.

We appreciate your feedback and the opportunity to improve our services.

Warm regards,
Credit9

May. 7th, 2024