Everything went smooth
Everything went smooth, and they were easy to work with
About Together Loans
Data updated- Website
- transformcredit.com
- Category
- Money & Insurance
- Location
- United States
- Status
- Unclaimed
- Last 12 months
- 165 reviews
- Replies to negative
- 0% (0/10)
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About this business
Together LoansThe 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 Together Loans 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 Together Loans 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 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 today.
Written by the business, not verified by us.Is Together Loans legit?
Together Loans (transformcredit.com) has a 4.6 out of 5 rating on OK.one, based on 165 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. 89% of reviews are 4 stars or higher and 5% are 1 star; The business has not yet replied to negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-08-12.
What reviewers say
AI generatedReviewers overwhelmingly had a great experience with this company. Customers frequently praise the exceptionally professional staff members who guide applicants step by step through every stage of the application. People note that the process is straightforward and fast, making it much easier to secure financial assistance during difficult moments. Some reviewers were not happy with the payout arrangements when involving a co-signer in the agreement. Borrowers explained that funds were deposited directly into the co-signer account rather than going straight to the applicant, creating extra inconvenience. Consumers mentioned having to coordinate additional transfers and waiting longer to actually access their approved money.
Auto-generated from all reviews of this business. For reference only.What people say
Customer service is excellent very…
Customer service is excellent very efficient and great service
Was quick love it
My experience was great ,fast and ensecure
Great service
Great service, easy to navigate online.
Prompt service and clear communication!
The security they use.
The security they use. The fast reply to questions. And the opportunity to give someone a chance to borrow. Very much appreciated and grateful for together loans
Reply from Together Loans2026-08-07
Thank you for taking a moment to share this. It means a lot to hear that the security we use stood out for you and that your questions were answered quickly along the way. We are also really glad the opportunity to borrow felt meaningful and supportive for your situation. Your appreciation truly means a great deal to our team. Thanks for choosing Together Loans
The experience was quick
The experience was quick, fast, and they got it done. Thank you 😊
The customer service was excellent
The customer service was excellent . I am trying to figure out why the money I borrow is put in someone else's account. That is the only weird part otherwise good.
Fast and easy
Fast easy simple an realiable
Fast and easy
There was a couple things i didnt like…
There was a couple things i didnt like about the process, 1st, when I call to get clarity got a little bit of run and round, need it to be straight forward and clear . . once approved, they sent the money to my dad instead of me. I'm a almolst 50 year old man knowing its a high risk, high interest loan well aware of the risk. I understand very well of my credit situation thats why I asked my dad to cosign with me. good loan bad process excution.
Reply from Together Loans2026-08-08
Thank you for taking a moment to share this with us. We’re glad to hear the loan itself worked well for you, and we appreciate you being open about the parts of the process that didn’t feel as smooth. No one wants to feel like they’re getting unclear or inconsistent information, and we’re sorry your call for clarity didn’t feel straightforward. Your feedback helps us follow up with the team and make sure the experience is more direct for future customers. For payout, when a loan has a cosigner, the funds are sent to their verified bank account. This step protects both of you from fraud and makes sure the cosigner is fully aware of the responsibility before anything moves forward. Once the deposit reaches your cosigner, they can pass the funds straight to you. We appreciate you sharing your experience, and your feedback helps us keep improving how we support customers through each step. Thanks for choosing Together Loans
They trust me with my low credit score
They trust me with my low credit score, and it's building my credit up Fast
Incredible Service
It was extremely fast, easy, and hassle free. I would recommend it to anybody who is in need of a loan and doesn’t have the greatest credit.
It was quick easy and fast!
Everyone was so sweet
Everyone was so sweet, very easy to work with and helping me get my credit back up there
Great people to work with.
Quick fast and hassle free!
If I could give them a zero I would and…
If I could give them a zero I would and I'm going to make sure that I put a review on every platform. They are scammers and I'm reporting them to the BBB be highly cautious of these people I do not recommend them. If you get with them you will be paying for a lifetime please read the reviews all of them all of them
NEVER TRUST THIS COMPANY
Before they run your social security number you have to consent to allow them to sell, give, trade your personal information. This is a scam website company based in El Salvador. First requirement is you don't need a loan. They require you or cosigner to sign over the deed for property and your bank accounts where they need you to make a combined salary of $15,000 dollars per month. What a joke. DO NOT GIVE THIS COMPANY UOUR PERSOFLNAL INFORMATION.
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