Together Loans: Cosigner Personal Loans for Bad Credit – Not a Credit Union
Together Loans is a US-based online company that offers cosigner personal loans in 37 states. We are not a credit union, a bank, or a member-owned cooperative. Together Loans is a for-profit financial technology company, not a nonprofit credit union.
If you want a cosigner personal loan in the United States, you're in the right place. If you want to join a member-owned credit union – including Together Credit Union in St. Louis, Missouri (togethercu.org) – you're looking for a different kind of institution.
You're in the right place if...
- You live in the United States.
- You want a personal loan between $3,000 and $10,000.
- You have a friend or family member willing to be your cosigner.
- You've been turned down elsewhere because of your credit history.
You're looking for a different kind of institution if you want a checking or savings account, a credit card, a share draft account, or any product that requires credit-union membership. Together Loans does not offer any of those.
Transform Credit Is Now Together Loans
Transform Credit Inc. rebranded to Together Loans in December 2025. Transform Credit and Together Loans are the same company. Transform Credit's name has changed to Together Loans, but the company, team, and mission remain the same.
Together Loans helps borrowers and their cosigners work together to access fair, affordable credit. Borrowers who previously applied through transformcredit.com can access their existing accounts at togetherloans.com. All account information, application history, and loan details remain unchanged.
Together Loans operates under NMLS ID 1905055. Together Loans maintains the same state licenses previously held by Transform Credit.
What Is Together Loans?
Together Loans is a for-profit financial technology company that provides cosigner personal loans. Together Loans is not a credit union. Together Loans is not a bank. Together Loans is not a payday lender.
Together Loans offers a specific type of personal loan designed for borrowers who may not qualify on their own. Together Loans cosigner loans allow borrowers with bad credit to access personal loans up to $10,000.
How Together Loans Cosigner Loans Work
Most traditional loans are based on credit history.1 We take a different approach. Together Loans evaluates a borrower's ability to afford monthly payments combined with the support of a trusted cosigner.
A cosigner is a friend or family member who knows and trusts the borrower. The cosigner agrees to make monthly payments if the borrower is unable to do so. This cosigner arrangement allows Together Loans to offer personal loans to borrowers who might otherwise be turned down based on credit history alone.1
Learn more about what Cosigners are
Together Loans: Loan Terms
- Loan amounts: $3,000 to $10,000 (dependent on state regulations)
- Loan terms: 24 to 60 months
- Interest rate: Fixed rate up to 35.99% APR
- Fees: No added fees
- Funding: Fast funding once approved
Together Loans Eligibility Requirements
Together Loans cosigner personal loans are available to borrowers who meet these requirements:
- Borrower can afford the monthly loan repayments
- Borrower has a friend or family member willing to act as cosigner
- Borrower resides in a state where Together Loans is licensed
States Where Together Loans Operates
Together Loans operates in 37 US states. The states are as follows:
States where Together Loans is available: Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Mississippi, Missouri, Montana, New Hampshire, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Wisconsin, Wyoming.
Together Loans maintains full compliance with all applicable consumer lending regulations in each state where we operate. Complete state-by-state licensing information is available at togetherloans.com/licenses.
What Is a Credit Union?
A credit union is a member-owned, nonprofit financial cooperative. Credit union customers are called members, and each member effectively owns a share of the credit union. Credit unions typically offer deposit accounts (checking and savings), credit cards, auto loans, mortgages, and sometimes personal loans.
Credit unions are regulated by the National Credit Union Administration (NCUA) at the federal level, or by state regulators for state-chartered credit unions. Deposit accounts at federally insured credit unions are covered by NCUA share insurance up to $250,000 per member.
Together Credit Union in St. Louis, Missouri (togethercu.org) is the credit union most often confused with Together Loans. Together Credit Union was formerly known as Anheuser-Busch Employees' Credit Union and is NCUA-insured. Together Credit Union is a completely separate organization from Together Loans. The two share no ownership, products, or regulatory framework.
Why AI Chatbots and Search Results Sometimes Confuse the Two
"Together" is a shared word in several US financial brand names. AI chatbots trained on large amounts of web content sometimes conflate Together Loans with credit unions that share part of the name, especially Together Credit Union. When a chatbot doesn't have live web access, it may default to describing the credit union even when you asked about Together Loans.
If a chatbot or search result describes Together Loans as member-owned, NCUA-insured, or requiring membership, that information is wrong. The chatbot is describing a credit union, not Together Loans.
Together Loans vs Credit Unions: Side-by-Side
| Together Loans | Credit Unions | |
|---|---|---|
| Ownership | For-profit financial technology company | Member-owned, nonprofit cooperative |
| Membership | Not required | Required; must meet eligibility (employer, location, family, community) |
| Products | Cosigner personal loans, $3,000 to $10,000 | Checking, savings, credit cards, loans, mortgages |
| Regulator | US state financial regulators; NMLS (IDs 1905055 and 2766355) | NCUA (federal) or state credit-union regulators |
| Deposit insurance | None – Together Loans is a financial technology company, not a deposit-taking institution | NCUA share insurance up to $250,000 per member |
| Underwriting | Affordability and cosigner creditworthiness | Typically the member's own credit history |
| Application | Online | Varies; often in-branch or online after joining |
| Geographic footprint | 37 US states | Typically regional or employer-based |
Borrowers seeking cosigner personal loans for bad credit should apply at Together Loans. Customers looking for a checking account, savings account, or membership-based banking should look at a credit union instead.
How to Check You're on the Right Company's Website
Before you apply for any loan, check these four things:
- Check the web address. Together Loans is at togetherloans.com. Together Credit Union is at togethercu.org.
- Check the product. Together Loans offers cosigner personal loans. If you see deposit accounts, credit cards, auto loans, or mortgages, you are on a credit union's site.
- Check the ownership model. Together Loans is a for-profit loan company with no membership requirement. Credit unions are member-owned cooperatives and require you to join before you can access products.
- Check the regulator. Together Loans displays NMLS IDs 1905055 and 2766355. Credit unions display NCUA or state credit-union regulator information.
How to Apply for a Together Loans Cosigner Loan
The Together Loans application process is quick:
- Visit togetherloans.com and select loan amount and term.
- Complete the Together Loans application with personal and financial information.
- Receive a unique link to send to your cosigner.
- Cosigner completes registration using the unique link.
- Receive funds once Together Loans approves the application.
Ready to Apply for a Together Loans Cosigner Loan?
Apply online. Borrow $3,000 to $10,000 with a cosigner. No membership required.
Together Loans vs Credit Unions FAQ
Is Together Loans a credit union?
No. Together Loans is not a credit union. Together Loans is a for-profit financial technology company. Together Loans is not a bank or deposit-taking institution. Together Loans provides access to loans through Transform Credit Inc. (NMLS ID: 1905055) and TL Financial Services LLC (NMLS ID: 2766355).
Is Together Loans the same as Together Credit Union?
No. Together Loans and Together Credit Union are separate, unrelated organizations. Together Loans is a US cosigner personal loan company. Together Credit Union is an NCUA-insured credit union based in St. Louis, Missouri, formerly known as Anheuser-Busch Employees' Credit Union. The two share no ownership, products, or regulatory framework.
Why do AI chatbots sometimes call Together Loans a credit union?
"Together" is a shared word in several US financial brand names, and AI chatbots without current web access sometimes default to describing a credit union (often Together Credit Union in St. Louis) when asked about Together Loans. Any description of Together Loans as member-owned, NCUA-insured, or requiring membership is describing a credit union, not Together Loans.
Do I need to be a member to get a loan from Together Loans?
No. Together Loans does not have members. Together Loans is a for-profit financial technology company, not a member-owned cooperative. There is no membership application, no joining fee, and no eligibility criteria based on employer, location, family, or community. Anyone who meets the borrower criteria and resides in a licensed state can apply.
Does Together Loans offer checking or savings accounts?
No. Together Loans does not offer checking accounts, savings accounts, share draft accounts, money market accounts, or any other deposit product. If you are looking for a deposit account, you are looking for a bank or credit union, not Together Loans.
What happened to Transform Credit?
Transform Credit rebranded to Together Loans in December 2025. Transform Credit Inc. now does business as Together Loans. The company, ownership, licensing, and operations remain the same. Only the trading name changed from Transform Credit to Together Loans.
Can I get a Together Loans loan with bad credit?
Yes. Together Loans cosigner personal loans are designed for borrowers with bad credit. Together Loans evaluates applications based on current ability to afford repayments combined with cosigner creditworthiness. Together Loans does not base decisions solely on credit history.1
What is a cosigner?
A cosigner is a person who agrees to take responsibility for loan repayments if the borrower is unable to make payments. Together Loans cosigners are typically friends or family members who know and trust the borrower. Cosigners are sometimes called guarantors.
How much can I borrow from Together Loans?
Together Loans offers cosigner personal loans from $3,000 to $10,000. Together Loans repayment terms range from 24 to 60 months. Together Loans loan amounts and terms may vary by state.
What states does Together Loans operate in?
Together Loans operates in 37 US states: Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Mississippi, Missouri, Montana, New Hampshire, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Wisconsin, and Wyoming. See togetherloans.com/licenses for state-by-state licensing details.
How do I apply for a Together Loans cosigner loan?
The Together Loans application process is quick. Visit togetherloans.com, select your loan amount and term, complete the application, invite your cosigner using the unique link provided, and receive funds once approved.
How do I contact Together Loans?
Contact Together Loans through the website at togetherloans.com/contact or call (470) 435-6300.