When it comes to debt consolidation, Credit9 is one of the most popular options available. But is it a good choice for you? Our Credit9 Review can give you an idea of what this company is all about.
Will Credit9 Hurt My Credit?

The answer to this question depends on your unique financial situation. If you have a good credit score and are looking for a way to consolidate your debt, Credit9 may be a good option. It can help streamline the repayment process and make it easier to manage your debt. However, if your credit score is below 650, you won’t be able to get a loan from Credit9.
Debt consolidation can also affect your credit score in other ways. For example, if you use a balance transfer card to consolidate credit card debt, you could run into problems if the debt exceeds 30% of your available credit limit. This could increase your credit utilization ratio, negatively impacting your credit score.
In addition, not all lenders accept debt settlements, and there are some instances where it could cause more financial harm than good. Before consolidating your debts with Credit9 or another lender, consider all the potential risks and benefits involved.
Overall, whether or not Credit9 will hurt your credit depends on several factors, such as your current financial situation and how much debt you have. It’s essential to research and talk with an expert before deciding to consolidate debts with Credit9 or any other lender.
Credit9 Lending FAQs
How to qualify for a Credit9 Lending loan?
To qualify for a personal loan from Credit9 Lending, you will have to meet the following criteria:
- Be 18 years old or older.
- Be a U.S. citizen or a permanent resident.
- Have a checking or savings bank account in your name.
- Have a steady source of income.
- Have a valid phone number and email address.

The loan approval process can vary based on credit determination and state law. In some cases, additional documents may be requested to complete the approval process. Loan terms will also vary depending on the applicant’s credit score and other factors.
What APR and terms do they offer?
The APR on a personal loan from Credit9 Lending can vary depending on factors such as credit score. The average interest rates range from 4.99% to 24%.
A customer’s actual loan amount, term, and APR may vary based on credit determination and state law. In some states, the minimum loan amount is different.
Example: Loan Amount: $4300.00, Annual Percentage Rate: 24.00%, Number of Payments: 30, Monthly Payment: $191.99.
Is Credit9 A Scam?
Is Credit9 a scam? Unsecured personal loans are available from Credit9 Lending. With loans available in 18 states, they have been in operation for 9 years. They have a BBB A+ rating, yet web reviews are contradictory. While some clients have had excellent experiences, some have not.
How do I pay Credit9 Lending?
The payment method is through ACH deposits (Automated Clearing House). If approved by 4:30 pm CT Monday-Friday, your funds will generally be deposited the next business day.
Who is Credit9 Lending affiliated with?
Credit9 Lending is affiliated with Americor and Fast Loans Funding. The latter provides debt resolution services.
How do I cancel my Credit9 Lending personal loan?

Before you apply for a personal loan, be sure you’re confident in your decision. Once the funds have been transferred to your account, you can’t reverse or cancel the transaction. This way, you can avoid any cancellations or changes down the line.
It’s important to understand all of the loan’s conditions and the potential consequences of taking out the loan. Be sure to read the loan agreement thoroughly and ask questions if you don’t understand any part. This will ensure that you are aware of all the terms and conditions and that you are agreeing to the loan on your own terms. Additionally, make sure you are aware of the loan’s repayment terms and the potential interest rate. This will help you to budget for the loan payments and avoid any surprises later.
Is Credit 9 Lending a debt settlement company?
No, Credit9 Lending is not a debt settlement company. They only offer personal loans.
However, debt settlement can effectively negotiate with your creditors to pay off a lower amount than what you originally owed. This can be done with the help of a third-party company that will act on your behalf to try and reach an agreement. Although not all lenders may be open to this negotiation, it is still worth considering as it could provide significant relief from your current debt burden.
Will Credit9 Hurt My Credit?
Will Credit9 hurt my credit? The answer to this question depends on your unique financial situation. If you have a good credit score and are looking for a way to consolidate your debt, Credit9 may be a good option. It can help streamline the repayment process and make it easier to manage your debt. However, if your credit score is below 650, you won’t be able to get a loan from Credit9.
What is an unsecured personal loan?

Unsecured personal loans are a type of credit that does not require any security deposit. This means you do not have to put down any collateral, such as your home or car, to take out the loan.
Different types of loans have different interest rates. For example, unsecured personal loans typically have higher interest rates than secured loans because they present a greater risk to the lender. The interest rate you’ll receive on your loan depends on your credit history and score and current market rates.
You can get an unsecured personal loan if you don’t have any assets to use as collateral or want the security of not putting your property at risk.
What is a debt consolidation loan?
Debt can be a significant financial burden, especially if you have multiple high-interest debts. Debt consolidation can be a helpful solution in this situation, as it combines all your debts into one payment. This can often be done at a lower interest rate, making it easier to repay your debt fully and get back on track financially.
Is Credit9 Lending Legit?
Is Credit9 Legit? Credit9 Lending is a company that offers unsecured personal loans. They have been in business for 9 years and offer loans to 18 states. They have an A+ rating with the BBB but mixed reviews online. Some customers have had a great experience, while others have not.
Before taking out a loan, it’s important to understand the different types of loans available, as well as the interest rates and repayment plans. By doing your research and comparing rates from different lenders, you can 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.
Have you had any experience with Credit9.com Lending? We’d love to hear about it in the comments below. Your personal experience could help others decide whether or not to work with this company.
Thank you for reading!