TransformCredit.com Reviews - 54

The person I spoke with took time to explain everything

The person I spoke with took time to explain everything clearly and answer all my questions. I had a loan with your company earlier and the experience was good back then as well.

The experience was simple and clear.

The experience was simple and clear. I required a co-signer, but it was simple for them too. They are kind and quick to reply, and I would suggest them if you have poor credit.

The company helped me out with

The company helped me out with a lon despite my bad credit. I wish funds were put in my account instead of my co-signers account but I am glad that they still helped me out.

I needed a co-signer, but from beginning to end

I needed a co-signer, but from beginning to end, everything was done professionally and carefully! I got a response in less than 24 hours. Great work!

Fast and simple.

Fast and simple. Customer service was nice and supportive. Took almost no time to pay out. Thank you for assiting me when I needed it.

Transform Credit helped me out

Transform Credit helped me out when I really needed something great to happen. The process was easy and the money showed up very fast.

The site was real easy to figure out and Kristie

The site was real easy to figure out and Kristie was really nice when it all wraped up. Big thanks for being there when I needed help.

I really appreciate all the help I got.

I really appreciate all the help I got. My sister is my closest friend. She also gave me a lot of support. I will pay it off soon.

Super smooth

Super smooth and easy-peasy! Ben, the hero 🦸‍♂️, worked his magic and got us the money we needed in a jiffy, like within a day! 🚀

They kept getting back to me

They kept getting back to me and asking for a co-signer, and when I finally found one, they worked with me and my co-signer.

The peeps I dealt with

The peeps I dealt with were nice 'n' polite. They did my loan in 48 hrs, real quick! I'm thankful they let me prove myself.

I want to thank every single one of you for guiding

I want to thank every single one of you for guiding me during my process. Thank you so much for being patient with me.

Good company to work with.

Good company to work with. Applying was simple. Payment choices are good. Would for sure use again if needed.

Well honestly I get the rules and papers

Well honestly I get the rules and papers of a loan but didn’t really see why I had to hear it said in diffrent words three times and then be told again in a not-so-nice way. Besides that, I really like the program and how your ready to help people improve there credit.

Service is really fast and reply times are quick.

Service is really fast and reply times are quick. I gave 4 stars instead of 5 because the sound quality in the verification video was not very clear and took more time than I thought. Apart from that, customer support was great, fast, and very detailed.

I needed a bit of money to kickstart

I needed a bit of money to kickstart my venture, and Transform Credit came through for me with utmost professionalism, warmth, and flexibility. I managed to cover all necessary expenses, and the repayment terms are quite reasonable.

The customer service agent was nice and went over the T&C.

The customer service agent was nice and went over the T&C. The loan took a bit longer to be processed than expected (that's why I'm giving it 4 stars), but everything else was fine.

Super simple and fast to apply.

Super simple and fast to apply. The only downside is putting the loan money into go-signors account. That was unconvienent.

The loan approval process dragged

The loan approval process dragged on longer than expected, and requiring my wife to co-sign added an extra layer of inconvenience. The extended delays and additional paperwork made the experience less than ideal.

Misleading and thiefts

So they had me get a Walmart money card put 250 on it for the ppe on my loan,they than told me not to activate it to just send them a screenshot of card and receipt only to find out they activated it in there name with there ss number.N ext they they tell me a bank is going to call me to authorize the transaction they tell me to not say it is a loan that I'm just being payed back from a friend well when I gave them the number the proceed to tell me I was trying to fraud them when I was doing g what transform credit agent told me to say and do,needless to say they will not return my calls they said that a refund is not a option so tbey scammed me out 250 dollars..I have now put myself behind in my rent due to this I am a single mother I work 6 days a week yo be able to pay my bills and they just took it from me, it's so shamefully how these companies lie and steal from me. The agent I talked to his name was Frank Martin..I have left numerous emails voicemails text messages ..All these reviews on here are lies 😒

I've been trying to reach out

I've been trying to reach out to this company about an account that's been created using my personal information. I've sent multiple written requests for them to close the account because, for some reason, I can't access the account settings to do it myself. In these written requests, I've also made it clear that I don't authorize any future transactions from my debit/credit account. I even attached statements and screenshots to my emails to provide as much information as possible. Despite all this effort, I've received no response from them. Today, I decided to give their customer service number a call, and what do I get? A voicemail that essentially says, "Please don't ask for a callback, just provide us with every piece of personal information you can so we can figure this out for you." That feels pretty sketchy, to be honest. Frustrated, I've taken the step to file a complaint with the BBB (Better Business Bureau). Hopefully, that will get their attention!

Avoid them for loans!

Avoid them for loans! My credit-building experience since December 2018 has been marred by consistently rude agents and unjustifiably tarnished credit due to a single late payment. Despite prompt payment in December for a November lapse, they deliberately misapplied it, harming both my and my cosigner's credit. Managerial communication is nonexistent. Despite faithfully paying since January 2019, I'm stuck with a $7500 loan, mainly paying interest with negligible principal reduction. The supposed credit builder has backfired, resulting in a perpetual negative status since 2022. This loan is far from beneficial, scoring 0/10 for recommendation.

The company mandates a cosigner

The company mandates a cosigner possessing a credit score of 750 or higher, a commendable track record of timely bill payments, and US residency. Despite my persistent inquiries seeking clarification on the rejection of my proposed cosigner by Transformcredit, they consistently refrained from providing a specific reason. Their repeated assertion that anyone meeting the specified criteria could be a cosigner proved to be inaccurate.

Wow, they actually approved me!

Wow, they actually approved me! The whole loan request thing was way easier than I expected. Seriously, the response time was super quick. My biggest hurdle? Finding a co-signer. Once I sorted that out, bam, approved the next day. Underwriters were on it fast; it was just with them this morning and now the loan's sitting in my bank, just waiting to be released. Huge thanks to Transform Credit for making it happen! Feels like a weight's been lifted off my shoulders.