Together Loans Reviews 7,463

TrustScore 4.5 out of 5

4.6

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers appreciate the staff's informative and accommodating nature, which contributes to a smooth and seamless process. Consumers consistently highlight the friendly and helpful customer service representatives, who are described as caring, compassionate, and patient. People also value the clear explanations provided, especially for those who are less tech-savvy, ensuring they understand each step. The service is often praised for its speed and efficiency, with reviewers noting quick approval times and fast fund transfers. The user experience is generally considered straightforward and transparent. However, opinions on payment processes are mixed, with some customers reporting issues such as unexpected charges, difficulties in making payments, and funds being sent to the co-signer's account instead of their own.

Based on these reviews

Rated 5 out of 5 stars

In the beginning when I was approved, found out I needed a co-signer. I called 3 times wasn't able to speak to anyone. I didn't like that. But when my daughter made application to be co-signer, t... See more

Rated 5 out of 5 stars

A little skeptical at first but got approved pretty quick money sent less than 3 days. The loan was will go into the co-signers account so make sure it’s somebody you trust I can see the reason it’s c... See more

Company replied

Rated 5 out of 5 stars

Get a response back that said application approved fast , I think to be totally honest what made getting a loan with together loans. Everyone that I spoke with was friendly , even had call lost but... See more

Rated 5 out of 5 stars

Simplified Loan solutions that helps me financially. Transform Credit and their 5 star team of professionals made this transaction smooth and process quick. We got funded in less than 24 hours.... See more

Rated 1 out of 5 stars

Be careful when applying with this company. Whether you are accepted or not, keep an eye on your bank account or else they will charge you $5 monthly unless you cancel their subscription. I was charge... See more

Rated 3 out of 5 stars

I gave you three because the cosigner was put through hell and back when he had over an 800 credit score. Not only that on the completion of the app we got cut off four different times and no one call... See more

Rated 5 out of 5 stars

I was a bit sceptical at the same moment I knew that this was the solution for my needs. There was no pressure or fancy saies tactics. I was treated like an adult and, although the cosigner approval w... See more

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Rated 5 out of 5 stars

Great for People that Have Someone they can trust that has trust in them. To be able to get access to funding for whatever they need to do financially to get ahead. It would also help to own but w... See more

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Rated 5 out of 5 stars

Excellent customer service representatives. Very knowledgeable. Caring and compassionate with their clientele. Fast responses to any questions or concerns. But most of all, it feels good to be judge n... See more

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Rated 1 out of 5 stars

This company's slogan should be "IF YOU DON'T SPEAK ENGLISH, DON'T APPLY." Every company has its own policies and is free to grant or deny a loan. What is outrageous is not clarifying things bef... See more

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Rated 5 out of 5 stars

During a very tight and challenging time, Together Loan truly came through for me. The process was straightforward, respectful, and fast, and I was able to get a loan with very affordable rates compar... See more

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Rated 5 out of 5 stars

They gave me great service and were very detailed with the terms of their contract. Because they require a cosigner to begin the underwriting process, it helps me believe that they can at least give m... See more

Rated 5 out of 5 stars

Fast and efficient process. Gave a senior an opportunity with a co-signer. Pleased with the updates during the process via both email and text. The only complaint was that the funds were sent to the... See more

Rated 5 out of 5 stars

I dont know anything about this company accept that i took out a loan with a company under one name and within a week of our transaction the company suddenly had a different name called together loans... See more

Rated 5 out of 5 stars

I didn't think I'd be able to pull this off and I had so much on my shoulders. Together Loans truly made this such a wonderful experience! They were so fast and efficient! The thing test took the lon... See more

Company replied

Rated 5 out of 5 stars

After weeks of searching and false pre approval offers stating All Credit welcome. With little to no impact on credit scores. (All lies and false advertisement) I finally came across TRANSFORM CREDIT.... See more

Rated 5 out of 5 stars

I am in tears. I lost my business recently through intentional defamation and bad faith by my insurer. This affected my entire life and credit rating. Although I have the commissioner of insurance and... See more

Rated 5 out of 5 stars

Website can be a bit confusing because it doesn’t really save your information so when I stopped … had to restart again. No feedback to let the customer know if approved or not until I called next da... See more

Rated 5 out of 5 stars

All of your representatives were courteous and helpful. As largely a non-techie, everything was explained clearly so I could easily complete all the necessary tasks. They were calm and patient which... See more

Rated 5 out of 5 stars

I tired so many places for help and got denied ,they are the only ones who would help even with my credit and they paid out more then anyone offered ,all online so easy and fast I have 0 complaints th... See more

Rated 1 out of 5 stars

OPINION - Just personal experience facts! TOOK DAYS! Make sure u review every word!!!! Worst application process I have ever experienced as well as poor- NOT interested in effective cust support and... See more

Company replied

Rated 1 out of 5 stars

I have been trying to cancel the "Transform Credit " Credit Builder program for several months. Every month the confirm cancellation and every month they charge anyway. I reported fraud to my bank an... See more

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Rated 1 out of 5 stars

Never had so much trouble to PAY a loan. Can't ever reach customer service by phone, no responses to emails. All we want to know is WHERE to send an extra check, not all this online electronic stuff.... See more

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Rated 1 out of 5 stars

They messed up my account information and deposited the loan money I was supposed to get into someone else’s account. I contacted them several times and they acted like they were genuinely helping me... See more

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Rated 2 out of 5 stars

Convenient if you are in desperate needs but interest rates super high. Company uses techniques that will feel like harassment if you are even 24 hrs late with payment. You receive calls and texts and... See more

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Rated 1 out of 5 stars

Regret EVER doing business with them! BOTHERSOME until they get a payment then NOTHING. It's comical how they NEVER admit fault or that they make mistakes like everyone else!!!! Post... See more

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Rated 2 out of 5 stars

I’m waiting for a call back from someone… anyone… I am being charged 5 dollars a month since November and am totally clueless what this is about. They said something about a 650 dollar loan but I neve... See more

Company replied

Rated 2 out of 5 stars

I’m trying to get a loan top up and am willing to pay the balance down to the required balance. I sent them an extra $760 and did not hear anything back via email. It’s hard to reach them through the... See more

Rated 1 out of 5 stars

OONCE AGAIN....PROMISED TO PAY ON OR BY THE 17TH OF JANUARY. ONCE AGAIN...TOGETHER LOANS (LMAO) SENDS THREATENING EMAILS TO MY COSIGNER AND MYSELF THREATENING LEGAL ACTIONS AGAINST US. THE... See more

Company replied

Rated 1 out of 5 stars

So I co- signed with a friend to help him out. He got late on one payment due to issues with his bank and payment kept getting returned. Finally got it straightened out and get the loan and payment cu... See more

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Rated 3 out of 5 stars

I am grateful for the opportunity with TransformCredit. However, it’s advertised 24hr funding but in my case that wasn’t the outcome. It took 3 days to process the loan then another 48hrs for the f... See more

Rated 3 out of 5 stars

I disliked the money going to the co-signer. Because she is a very dear friend and I only ask her because I was desperate, I have every intention of making payments on time. But she has many issues a... See more

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Rated 1 out of 5 stars

After 4 months of paying back the ridiculous loan....You suddenly decide to MAIL a threatening letter to my residence???? Im CURRENT AND DON'T OWE YOU AN F'n Cent at the moment! Just FURTHE... See more

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Rated 1 out of 5 stars

There is no number or prompt to get a live person... The app gives you the bare minimum information... all I really want is an amortization schedule... can't get on the line with a live person o... See more

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Rated 3 out of 5 stars

They company finally approved the loan after sending multiple conflicting emails about it being under review and they needed something else before they could commit. I received multiple calls from peo... See more

Rated 1 out of 5 stars

The loan got put into my co signers account now she don’t want to send it to me and says she sending it back but yet yall saying it isn’t back and expect me to still pay for it. And I’m not ! I will n... See more

Company replied

Rated 1 out of 5 stars

I applied and brother completed co signer application twice over 2 weeks ago. I am still getting notified that they have not done. I've tried calling but get a robot that does not answer questions... See more

Rated 1 out of 5 stars

Be upfront about everyone having a co signer and funds being deposited in the co signers account. It’s been over 48hrs and still have not received loan. Initially it was 24 hours smh. I hate when thi... See more

Company replied

Rated 5 out of 5 stars

Very easy application process. Being application was done on line, once approved they were very diligent with there verification procedures. I received emails throughout every step and had to call to... See more

Rated 5 out of 5 stars

I was skeptical at first. Having had more fraudulent charges on my bank account as well other online scam artist trying do what they do than I care to count made me a little hesitant about the online... See more

Rated 5 out of 5 stars

Not sure what to expect, was afraid it was a scam based on so many on line adventures, but checked them out on the BBB and sure enough they were legit, which eased my mind greatly. eveyone I talked to... See more

Rated 3 out of 5 stars

The person we talked to on Thursday helped out with all the final details. But he didn’t update are file and we received multiple calls on Friday saying are file was lost. Then the lady we talked to... See more

Rated 5 out of 5 stars

Fairly smooth process. Very thorough screening which I appreciate. Definitely doing their best to protect from fraud attempts. We will see how long it takes to fund to my account. Follow up review pos... See more

Rated 1 out of 5 stars

Was approved for my loan with my co-signer then when the funds were dispersed it went to my cosigners account instead of mine. As soon as the funds were dispersed to my cosigners account, her bank fla... See more

Company replied

Rated 1 out of 5 stars

VERY misleading! At the end of the day, they reel you in by saying that you're guaranteed a loan because your credit doesn't matter. But, with great wordplay, are actually tricking/getting you to ask... See more

Company replied

Rated 5 out of 5 stars

Very easy process, as long as you have a good co-signor … definitely recommend.. so much better than a payday loan .. affordable payment which is really nice!! So relieved I was able to be approved!!... See more

Company replied

Rated 5 out of 5 stars

Together Loans was a truly painless experience did they not only explain what was going to happen but once I found my guarantor everything went smooth did application on Thursday evening finished on F... See more


Company details

  1. Car Finance and Loan Company
  2. Alternative Financial Service
  3. Non-Bank Financial Service

About Together Loans

Written by the company

Together Loans

The 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.



Contact info

4.6

Excellent

TrustScore 4.5 out of 5

7K reviews

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Replied to 92% of negative reviews

Typically replies within 2 weeks

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Rated 1 out of 5 stars

I am very unsatisfied and the process…

I am very unsatisfied and the process isn't quick and easy like they advertise. I feel I have been scammed by these people. They are nice but they do not understand when you are at your lowest point. I am very unhappy with my experience.

10 February 2026
Unprompted review
Rated 5 out of 5 stars

You can trust that they'll do great business!!

I can't explain how much this loan company saved me from my debts!!They had good communication skills.Very straightforward on what u needed to retain the loan.I have no bad words to describe them.If your looking for satisfaction,then Togetherloans is what your looking for...

4 February 2026
Rated 5 out of 5 stars

TogetherLoans saved my life!

TogetherLoans saved my life!! I was in a large amount of debt and thankfully I was able to consolidate it all into one affordable monthly payment after this. The process to apply is simple, secure and the payout was quick! I got my funds within 24 hours of my cosigner and I being approved.

4 February 2026
Rated 4 out of 5 stars

Loan from your trustworthiness

I'm glad I was approved for the loan. But the process of depositing the money in my cosigner account was a bit much. You ask a lot even though it wasn't based on my credit. But I guess that's was a saver way because people will use your info w/o your consent these days. Overall I'm loving some of these companies still exist w/o it being a payday loan with super high interest rates.

4 February 2026
Rated 5 out of 5 stars

Great experience

The process was fast and thorough. I love the fact they made sure everything was true and correct.They were on it to make sure there was no fraud involved. I feel my information is safe and guarded with them. They came through when others wouldn’t. Thank you.

10 February 2026

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