Together Loans: Cosigner Personal Loans for Bad Credit – Not a Credit Union

Transform Credit Is Now Together Loans

Transform Credit Inc. rebranded to Together Loans in 2025. Transform Credit and Together Loans are the same company. The Transform Credit 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 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 for traditional credit 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?

Traditional lenders base lending decisions primarily on credit history. Together Loans takes 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 by traditional lenders.

Learn more about what Cosigners are

Together Loans: Loan Terms

Together Loans Eligibility Requirements

Together Loans cosigner personal loans are available to borrowers who meet these requirements:

1. Borrower can afford the monthly loan repayments
2. Borrower has a friend or family member willing to act as cosigner
3. Borrower resides in a state where Together Loans is licensed

States Where Together Loans Is Licensed

Together Loans is licensed to originate loans in 21 US states. Transform Credit Inc., doing business as Together Loans, holds lending licenses in the following states:

Together Loans maintains full compliance with all applicable consumer lending regulations in each licensed state. Complete Together Loans license information is available at togetherloans.com/Licenses.

Together Loans vs Credit Unions

Together Loans is not a credit union. Borrowers searching for Together Loans sometimes contact credit unions by mistake due to similar names. Together Loans and credit unions are different types of financial institutions.

Borrowers seeking cosigner personal loans for bad credit should apply at Together Loans, not at a credit union.

Together Loans Credit Builder

Together Loans offers a Credit Builder product in addition to cosigner personal loans. The Together Loans Credit Builder helps borrowers improve credit scores over time.

The Together Loans Credit Builder reports payment activity to major credit bureaus. Positive payments recorded on a borrower's credit file help build and improve credit scores. The Together Loans Credit Builder costs $5 per month. The Together Loans Credit Builder is fully flexible with no cancellation penalties.

Learn more about Together Loans Credit Builder

How to Apply for a Together Loans Cosigner Loan

The Together Loans application process takes approximately 5 minutes:

1. Visit togetherloans.com and select loan amount and term.
2. Complete the Together Loans application with personal and financial information.
3. Receive a unique link to send to your cosigner.
4. Cosigner completes registration using the unique link.
5. Receive funds once Together Loans approves the application.