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At apply.credit9.com, they understand that life can be unpredictable and that sometimes you need a little extra help. That’s why they offer a variety of personal loans and debt consolidation options to suit your needs. They have three websites:
- Credit9.com
- Apply.credit9.com
- Loans.credit9.com
All loans available through Credit9 LLC are made by Cross River Bank.
Apply.Credit9.com Summary
When it comes to taking out a loan, you have many options available to you. However, one option that has been receiving a lot of attention recently is Apply.Credit9.com. With so many lenders available, it can be difficult to know where to turn. But is this lender the right choice for you? Here is a closer look at what they have to offer so that you can make an informed decision.
- Cross River Bank makes all loans available through Credit9 LLC.
- APRs range from 4.99% to 24%.
- There is an origination fee of 2.5%.
- Loans with low-interest rates or higher than $35,000 are likely to be brokered.
- Credit9, LLC is a Delaware Limited Liability Company.
- The loan amount, APR amount, and terms a customer qualifies for may vary based on credit determination and state law.
Credit9 has lending licenses for 18 states and most rates range from 18% to 24%. Check their licensing page to check your state rates.
Who is Credit9?
Credit9 is a debt relief company that offers debt consolidation loans to consumers and businesses. Is not a debt settlement program. The company is registered in Delaware and is licensed by the DFPI (Department of Financial Protection and Innovation LLC CA CFL 60DBO-83965). Credit9 has been in business for 9 years and was incorporated in 2021. It has an A+ rating with the BBB. The lender has 37 complaints filed against it and 1,676 customer reviews.
Apply.credit9.com 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 apply.Credit9.com?
Although apply.credit9.com advertise rates as low as 4.99%, the typical rates for most states range between 18% to 24%. The loans also include an origination fee of 2.5%. 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, and late payment fees.
How does Loans.Credit9.com work?
If you’re looking for an apply.Credit9.com debt consolidation loan to consolidate debt, the amount you’re able to borrow, along with the interest rate and repayment term, will vary depending on your credit score and state laws. In general, minimum loan amounts will differ from state to state.
Here’s an example of terms and rates for a loan:
- 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. Credit 9 doesn’t work with a debt settlement company.
How to qualify for an Apply.Credit9.com personal loan?
To qualify for an actual loan from apply.Credit9.com, 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 apply.Credit9.com.
What is the APR on an apply.credit9.com personal loan?
Apply.credit9.com offers competitive rates for borrowers, ranging from 4.99% to 24% APR, which includes an origination fee. These rates are lower than what you would typically find from traditional lenders, making it an attractive option for those seeking to finance their next purchase. Additionally, Apply.credit9.com offers flexible payment terms and options to suit individual needs, making it a great choice for those looking for a convenient, cost-effective way to access the credit they need.
How much does Credit 9 save you?
Apply.credit9.com 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 with fixed and affordable monthly payments, minimum loan amounts vary. In addition, if you manage to get a consolidation 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 apply.credit9.com affect your credit?
There are a few things to keep in mind before taking out a personal loan, namely how the process works and how it could affect your credit score. The lender generates a soft inquiry, which simply gives you an idea of the interest rates and loan terms you could potentially qualify for. This has no impact on your credit score.
However, once you decide to move forward with the approval and loan terms, the lender will need to do a hard credit inquiry in order to get a complete view of your credit history and offer you final rates. These hard inquiries can lower your credit score.
Who is Credit9 affiliated with?
Apply.Credit9.com is an online platform for consumer financial products and services affiliated with Americor and Fast Loans Funding. The website is also known as Credit9 Holdco Inc, an alternate name for the same platform. As an affiliate, Apply.Credit9.com provides a variety of loan products and services to customers, including personal loans, debt consolidation loans, and home improvement loans. The process is simple and secure, allowing users to quickly and easily apply for the loan that best suits their needs. The website also offers helpful tips and advice to ensure users make the right decision when it comes to their finances.
Credit9 BBB Reviews
Apply.Credit9.com has 37 complaints closed in the last three years, 11 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 ******** communicates 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 03/17/2022
Have made multiple payment issues with interest being charged to my additional payments, which they shouldn’t have per loan contract. Refuse to fix errors.
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 debt consolidation company 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 and start to imagine life after paying.
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?
Credit9 LLC is a chartered commercial bank member located at 18200 Von Karman Ave Suite 500, Irvine CA. As a member FDIC equal housing lender, Credit9 offers a variety of personal loan options, including loans designed to consolidate debt into a single fixed and affordable monthly payment. If you’re considering applying for a loan with Credit9, keep in mind that submitting an inquiry could affect your credit score.
However, the rate generates a soft impact, so it won’t harm your credit score. If you decide to proceed with the loan application, Credit9 may perform a hard inquiry on your credit report, which is visible to other lenders. To ensure you have all the information you need concerning Credit9 LLC’s licensing, they are registered with the Nationwide Multistate Licensing System Registry.
There are mixed reviews online about Credit9.com, with some people praising the company while others making claims that the company is hard to work with. However, the company is legitimate and claims to help many people get the financial assistance they need.
Taking out a loan can be a big decision. There are many things to consider, such as the type of loan, the interest rate, and the repayment plan. Doing your research and comparing rates from different lenders is a good way to find the best option for you. Reading customer reviews is also a good way to make sure you’re not taking out a loan that you can’t afford.
Do you have any experience with Apply.Credit9.com? We want to hear it! Share your experience in the comments below.