Process was seamless and recvd money…
Process was seamless and recvd money quick
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
Very difficult and lengthy process
Very difficult and lengthy process. The cosigner has to do an incredible amount of work for the person getting the loan. We just pray this is 100% legit.
Dealt with Dennis and he was very great.
Easy great service all where above …
Easy great service all where above beyond .need help call them .
My co-signer was interviewed more than…
My co-signer was interviewed more than me. The money was put into the co-signer s bank account. I had to wait until he decided to give me the money. I felt humiliated, I have a low credit score because of bad advise to consolidate my accounts. That company waited 3-6 months before making payments. So my credit score dropped 200 points, due to no fault of my own. Although I am glad to receive the loan from you guys, I hate the way it was done.
Reply from Together Loans2026-08-08
Thank you for taking a moment to share this with us. We’re really sorry to hear parts of the process felt uncomfortable, and we appreciate you being open about how it made you feel. No one wants to feel unsure or pressured during a loan application, and your feedback helps us understand where the experience didn’t feel supportive. Regarding the cosigner, they do complete a few additional checks. This helps us verify their identity and make sure they fully understand the responsibility before the loan moves forward. We know it can feel like they are being asked to do more, and we appreciate you sharing how this felt from your side. For payout, the funds are sent to the cosigner’s verified bank account as part of our security process. This protects both of you from fraud and ensures the cosigner is aware of the loan before any money is released. We understand how this can feel difficult when you are the one who needs the funds, and we appreciate you explaining how this impacted you. We’re glad the loan was able to help, and we appreciate you taking the time to share what didn’t feel right. Your feedback helps us keep improving the experience for both borrowers and cosigners. Thanks for choosing Together Loans
It has taken 3 business days for it to…
It has taken 3 business days for it to be added to the account.
Not right now not feeling well
Good customer service this is my second…
Good customer service this is my second loan w them they act fast to any questions ot concerns u may have to make process fast and easy u do need a cosigner but that helps them to service those w credit issues
Reply from Together Loans2026-08-07
Thank you for sharing this with us. It means a lot to know you returned for a second loan and felt supported throughout the process. We’re glad the team was able to respond quickly to your questions and make everything feel straightforward. We also appreciate your understanding of the cosigner requirement and how it helps us assist customers who may need that extra support. Your feedback truly means a great deal. Thanks for choosing Together Loans
Smooth going
The applocation process was fast and…
The applocation process was fast and easy.
Wonderful..
Easy to apply with such a great customer service experience.
Remarkable customer service and timely…
Remarkable customer service and timely payout!
Someone used my information to take out…
Someone used my information to take out a loan, I was told they do extensive check to reduce credit fraud, like video calls. That is a hike and a lie. The letter they sent me had my name, but an old address of mine. Which I haven't lived there for years. Goes to show me that tey don't care about identity security.
Good job done for me
It was a nice experience
It was a nice experience! The only thing that I would think that they need to improve is the emails. I received several emails to contact them after the process was done only need to find out that there was nothing more I needed to do, but other than that, the experience was great!
They kept all private information of me…
They kept all private information of me and cosigner. Easiest money within 40 hours. This company is honest
Reply from Together Loans2026-08-03
We really appreciate you sharing this. It means a lot to hear that you felt your information was handled with care and that the process moved quickly for you. Knowing the experience felt honest and straightforward is exactly what we hope for, and we’re grateful you took a moment to leave this feedback. Thanks for choosing Together Loans
Money into co-signer account 👎👎
I appreciate the chance to get a loan and I understand the reason for co-signer but the money going into the co-signers account is ridiculous. I had a lot of difficulties getting my money. I'm still waiting for her to send me a check. The process takes too long to get the money.
They are really nice, take there time to make sure you can make the monthly payments as well
I like they talked to myself and my co signer. It made for a better experience
Reply from Together Loans2026-08-03
We really appreciate you sharing this. It’s great to hear that the team made the process feel comfortable and took the time to walk through everything with both you and your cosigner. Knowing the experience felt supportive for both of you truly means a lot to us. Thanks for choosing Together Loans
Dana NumezUnited States · 1 review · Experienced 2026-07-31 ·
Thank you very much
Reply from Together Loans2026-08-03
We really appreciate you taking a moment to share this. It means a lot to know the experience felt positive for you. Thank you for being with us. Thanks for choosing Together Loans
Customer service and ease of info
Reply from Together Loans2026-08-03
We appreciate you taking a moment to share this. It’s great to hear that our customer service felt supportive and that getting the information you needed was simple and straightforward. We’re glad the experience came across clearly for you. Thanks for choosing Together Loans
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