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At, they offer a variety of personal loans and debt consolidation options that may suit your needs. They advertise their services in 3 different websites:


They also use the name Credit 9 Lending.

Review Recap

It is important to question the trustworthiness of Credit9, especially given our one-star review. Review: Is It A Scam? We Reveal The Truth 1

If you’re in the market for a personal loan, you may have received an enticing offer from It may have looked something like this: CONGRATULATIONS! YOU HAVE BEEN PRE-APPROVED. The amount of the loan they offered was $73,426 and the average pre-approved interest rate was 5.99% (see a sample direct mail offer below). It even had a personalized reservation code. It seemed like a great deal. Who wouldn’t be thrilled to be pre-approved for a loan at such a low-interest rate?

But when you read the fine print, you’ll see that this offer is not as good as it seems.

When looking at the terms of the loan, a few things stood out.

  • The APRs will range from 5.99% to 24.00%, and an origination fee of 2.5% will be included.
  • Lower interest rate loans and loans above $35,000 are likely to be brokered.

The Credit9 website has some additional concerns that I have found in the fine print.

  • Installment loans with an APR of 24.00% and below are made by or as applicable by state law.
  • A customer’s loan amount, term, and APR may vary based on credit determination and state law.
  • For example: For a loan amount of $4300.00 the annual percentage rate would be 24.00%. This would result in monthly payments of $191.

If you take a look at Credit9’s licensing page, you’ll see that it lists rates for most of the states it has lending licenses for at 18% to 24%. Review: Is It A Scam? We Reveal The Truth 2

Who is Credit9?

Credit9 is a lender that offers loans to consumers and businesses. The company is based in Delaware and is licensed by the DFPI (Department of Financial Protection and Innovation LLC CA CFL 60DBO-83965). Credit9 was incorporated in 2021 and has an A+ rating with the BBB. As of September 5, 2022, the company had 36 complaints filed against it and 1,413 customer reviews.

Based in Irvine, CA, Credit9 is a financial company that offers loans and credit solutions to individuals and businesses. is affiliated with Americor and Fast Loans Funding, and uses Credit9 Holdco Inc as an alternate name. The company can be contacted at (800) 291-0172 for more information.

What are the fees for

Although they advertise rates as low as 5.99%, however, the typical APR is 18% to 24%. This also includes an origination fee. Loans that are above $35,000 may be brokered out to other lenders, as well as lower interest rates loans. As with any loan, there are common fees such as interest, origination, late payment, and early payoff penalties.

How does work?

If you’re looking for an loan, the amount you’re able to borrow, along with the interest rate and repayment term, will vary depending on your credit score and the state laws. In general, minimum loan amounts will differ from state to state. Here’s an example:

  • Loan Amount: $4300.00
  • Annual Percentage Rate: 24.00%
  • Number of Payments: 30
  • Monthly Payment: $191.99

The approval process could take a bit longer if they need additional documents from you.

How to qualify for an personal loan? Review: Is It A Scam? We Reveal The Truth 3

To qualify for a personal loan from, you’ll need to meet the following criteria:

  • Be at least 18 years old
  • Be a U.S. citizen or permanent resident
  • Have a regular source of income
  • Have a checking or savings account in your name
  • Have a valid email address and phone number

If you meet all of these requirements, you should be able to apply for and receive a personal loan from

What is the APR on a personal loan? typically charges 18% to 24% APR, including an origination fee.

How much does Credit 9 save you? can help you save money on your credit card debt. By securing a lower interest rate, you can save yourself a lot of money in the long run. In addition, if you manage to get a loan amount that you can comfortably repay, it can help free up some extra cash for things like your dream wedding or vacation. However, it is important to avoid taking on a loan that you cannot afford. If you miss a payment or default on the loan, it could ruin your credit score and put you in a difficult financial situation.

How does Credit9 affect your credit?

When you check your rate with, they’ll do a soft inquiry on your credit report. This is only visible to you and won’t affect your credit score. However, if you apply for credit with them, they may do a hard inquiry that could affect your credit score.

Who is Credit9 affiliated with?

Credit 9 is a financial institution that offers loans and other financial services. It is affiliated with Americor and Fast Loans Funding, and uses Credit9 Holdco Inc as an alternate name.

Credit9 BBB Reviews Review: Is It A Scam? We Reveal The Truth 4

Credit9 has 36 complaints closed in the last three years, 8 of which were closed in the last 12 months. The majority of these complaints revolve around problems with product/service and billing and collection issues. Credit9 is accredited by the BBB, and they have an A+ rating and an excellent score with Trustpilot.

Here are some Credit9 BBB reviews:

Paula 04/01/2022

I find that the program puts clients in a very awkward position. Clients are told that ******** communicate with creditors. But fail to say they communicate with them only at the time of negotiation. The client is told to have minimal communication with creditors. Then you start to get threats of having to go to court.

Krysta J 08/30/2022

I’m always been pleased with my experiences with Credit9! I’ve been paying my loan off since December 2021, and every time I call or request information, the representatives I speak with are informative, polite and helpful – especially *************************. I’m really happy I went this route and look forward to being debt free soon!

Christopher R 03/17/2022

Annoying and pushy. They called today offering their services with the usual pitch. When I told them that I was not interested, they pushed again that they weren’t trying to sell me anything, and wanted to transfer me to a “specialist”. I advised again that I was simply not interested in doing so, to which their response was to simply hang up on me after that. Checked their site as well as the parent companies, not able to find any *** links or forms to fill out. Kinda sketchy to me that they don’t have a *** page or information. I’m also on the *** national registry and have never worked with them before.

Deborah T 08/30/2022

These folks have been great to work with. They really want to help and are flexible when needed. I would definitely recommend them. ********** was especially helpful when I needed assistance. Quick and knowledgeable.

Ian f 03/17/2022

Have made multiple payment issues with interest being charged to my additional payments, which they shouldn’t per loan contract. Refuse to fix errors. Review: Is It A Scam? We Reveal The Truth 5

What is an unsecured personal loan? 

Unsecured loans, also known as signature loans, don’t require any collateral. This means that if you default on the loan, the lender can’t take your home or car (or any other asset you put up as collateral). However, because lenders are taking on more risk with unsecured loans, they often charge higher interest rates and require good or excellent credit.

What is a secured loan?

A secured loan is a type of loan that is backed by collateral. This means that if you don’t repay the loan, the lender can seize your assets as payment. The most common types of secured loans are mortgages and car loans, but really any financial asset can be used as collateral. A repossession stays on your credit report for up to seven years, so it’s important to consider all your options before taking out a secured loan.

Should you get a secured or unsecured personal loan?

When it comes to personal loans, you might be wondering if a secured or unsecured option is best for you. If you have a great credit score and your debt-to-income ratio is below 50%, then you may want to pre-qualify for an unsecured personal loan to check out the rates that lenders can offer you. Pre-qualifying won’t affect your credit, and it can give you an idea of how the monthly payments will fit into your budget.

Borrowing money always comes with a certain amount of risk. However, with a secured loan, that risk is mitigated by the fact that the lender requires collateral. So, for example, if you need your car to get to work and the lender requires it as collateral, then losing the car would also cause you to lose income.

If you’re confident you can make your payments on time, collateral may be a good way to get a lower rate from an online lender. Some lenders don’t always require it for bad-credit borrowers, but it may help you secure a loan.

Is Credit9 Legit or a Scam? 

There are mixed reviews online about, with some people praising the company while others are making claims that it is a scam. However, the company is legitimate and claims to help many people get the financial assistance they need.

Do you have any experience with We want to hear it! Share your experience in the comments below.

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There are mixed reviews online about Credit9, with some people praising the company while others are making claims that it is a scam. However, the company is legitimate and claims to help many people get the financial assistance they need.

User Review
2.57 (7 votes)
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