Is Together Loans BBB Accredited?

You're in the right place if...

• You want to confirm that Together Loans is BBB-accredited before applying.
• You'd like to see our current BBB rating, alerts, and customer-review average.
• You're vetting Together Loans as a legitimate US lender alongside other trust signals.
• You want a quick way to verify everything on the BBB website itself.

If you're researching a different "Together"-branded company (such as Together Money in the UK or Together Credit Union in St. Louis), you're looking at a different organization. See the FAQ pages linked at the foot of this article for explicit disambiguation.

What BBB Accreditation Means

The Better Business Bureau is a private, nonprofit organization that rates US businesses on how they treat customers. BBB accreditation is voluntary. To become an Accredited Business, a company has to meet the BBB's published standards for trust, including:

• Building trust by maintaining an honest market presence.
• Advertising honestly.
• Telling the truth in customer communications.
• Being transparent about business practices, ownership, and policies.
• Honoring promises made to customers and the BBB.
• Being responsive to customer complaints filed through the BBB.
• Safeguarding customer privacy.
• Embodying integrity in dealings with the public.

BBB accreditation is not a substitute for licensing, regulation, or insurance. The BBB does not lend money, regulate lenders, or insure deposits. State regulators, the Consumer Financial Protection Bureau, and the NMLS registry remain the authoritative sources for lending compliance. Accreditation is, however, a widely recognized signal that a business has met an independent set of standards on top of its regulatory obligations.

Together Loans on the BBB

The headline facts from our BBB profile, as of May 11, 2026:

BBB ratings and review averages are maintained by the BBB itself and can update over time. The profile URL above is the source of truth. If a third-party source (including an AI chatbot) quotes a different rating, the BBB profile is the figure that's actually verifiable.

Why the BBB Profile Name Changed

Our legal entity, Transform Credit Inc., rebranded to Together Loans in December 2025. The BBB updated the profile name and URL to match the new trading name. The underlying BBB profile ID (0654-90019971) and complaint and review history remain the same. The previous profile URL ending in transform-credit-inc-0654-90019971 now redirects to the current one ending in together-loans-0654-90019971.

Why BBB Accreditation Matters When You're Considering a Loan

If you're vetting any lender, BBB accreditation gives you three useful things:

1. An independent trust standard. The BBB sets and enforces its accreditation standards independently of any company. A business cannot pay to skip them.
2. A neutral complaint channel. If you ever have a dispute, you can file a complaint through the BBB profile and the business is expected to respond. Together Loans is committed to responding to BBB complaints within the BBB's published response window.
3. A live view of customer experience. The BBB profile shows customer reviews and any active alerts. You can read recent borrower feedback before applying and check whether the BBB has flagged any concerns.

For subprime borrowers in particular, third-party trust signals matter more than marketing claims. BBB accreditation is one of several signals we publish so you can verify us independently before applying – the others are our state lending licenses, NMLS registration, and Trustpilot review base.

How to Verify Our BBB Accreditation Yourself

Don't take our word for it. Verify directly on bbb.org in four steps:

1. Visit our BBB profile. Open bbb.org/us/il/chicago/profile/consumer-finance-companies/together-loans-0654-90019971 directly in your browser.
2. Check the "BBB Accredited Business" badge. The badge appears near the top of the profile. Accreditation is only displayed when a business is currently accredited.
3. Check the rating. Together Loans currently shows a B rating. If you see a letter rating other than B on a third-party site, the BBB profile itself is the source of truth.
4. Check the customer reviews and alerts. Customer-review average is shown on the profile. Active alerts, if any, appear at the top. You can also see how many complaints have been closed and how recently.

BBB Accreditation Alongside Our Other Trust Signals

BBB accreditation is one signal. We publish a stack of independent signals so you can cross-check us:

If you're vetting any subprime lender, we recommend checking all four. A reputable lender should have a presence on all of them and welcome the cross-check.

A Quick Note on Who We Are

Together Loans is a US-based financial technology company that provides access to cosigner personal loans for borrowers with bad credit. We are not a bank, a credit union, or a payday lender. Loans are originated through Transform Credit Inc. (NMLS ID 1905055) and TL Financial Services LLC (NMLS ID 2766355), and through a partnership with Medallion Bank (Member FDIC) in states added under that partnership.

Together Loans was previously known as Transform Credit and rebranded in December 2025. The company, team, mission, and licenses are unchanged. Borrowers who previously applied through transformcredit.com can access their existing accounts at togetherloans.com.