Your guide: Is Transform Credit Legit?

So, you’ve found yourself in a little bit of debt? Maybe you got hit with an unexpected bill and need some cash on hand. We’ve all been there and when the going gets tough, sometimes you just need some cash on hand.

Well, if you’ve looked online, you’ve probably seen something by the name of Transform Credit. If you’re just hearing about them, don’t worry, as we’ll cover their basic information below. But, are they legit?

There are so many scammers out there that it’s tough to know, but today we will cover just that. Keep reading to find out more.

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What is Transform Credit?

First, let’s talk about the basics of this company and what it is exactly. Transform Credit is indeed another lender. However, unlike traditional banks, they do not seem to care too much about your credit history.

For example, let’s say you have a poor credit score and need a loan from a traditional bank. Most banks will often decline your request; however, at Transfomr, you might still be in luck. According to their website, “We don’t do that; our loans are based on trust.” Their goal is to provide a variety of different loan options to their customer base that range from traditional loans to payday advances.

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Does transform credit give you money?

Yes, the company does give you money. Again, unlike traditional lenders, who may judge you based on how you’ve handled money in the past, this place is unique. It was created for the sole purpose of those who may have a bad or little credit history. But the question still exists: “Are they trustworthy?”

Can you pay the Transform credit off early?

Additionally, another perk about working with this company is that you can pay off your credit early. Some other lenders typically charge you a fee for an early payoff to keep interest on the principal amount. However, let’s say you finally start getting some CSH flow. Now, you can pay back the credit early so that you don’t accumulate so much interest on the loan.

Check what others are saying.

If you’re still on the fence, you might want to do your research just to see what others are saying. It’ll probably be a good idea to check out various Reddit threads just to see what folks are saying. Then come up with your own conclusion.

Is Transform Credit Legit?

We’re still on the fence. According to our research, they are legit in the fact that they do require you to have a cosigner and things of that nature. However, some online users report that they are “scams.”.

Some people have reported that they get money taken out without permission and that even the co-signers are hit with fees. So, we would suggest moving forward with them only as a last resort, if you’re comfortable doing so.


In conclusion, we’re still a bit undecided on whether or not Transform Credit is legit. From online users saying that they are flat-out scammy to others saying the interest rates are sky-high, it does leave us a bit uncomfortable. That says something.

Hopefully, they don’t come for us to say this out loud, but hey. Your online reputation is not the most pristine so maybe take a look at that first. Happy hunting!


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