Together Loans: Cosigner Personal Loans for Bad Credit – Not Together Money (UK)
Together Loans is a US-based online loan company that offers access to cosigner personal loans in 25 states. We are not Together Money, also known as Together Financial Services Limited, the UK mortgage and bridging-loan company. The two companies are unrelated. They share no ownership, products, or regulatory framework.
If you're looking for a cosigner personal loan in the United States, you're in the right place. If you're looking for a UK mortgage or bridging loan, that is a different company at togethermoney.com.
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 company if you want a mortgage, a bridging loan, a secured loan against property, or any product in the United Kingdom. Together Loans does not offer any of those.
What Is Together Loans?
Together Loans is a US financial technology company. Together Loans offers access to cosigner personal loans to borrowers with bad credit. Together Loans is based in Chicago, Illinois.
Together Loans was founded in 2017 as Transform Credit. Transform Credit rebranded to Together Loans in December 2025. The company, team, and mission did not change. Only the trading name changed.
Together Loans provides access to loans through Transform Credit Inc. (NMLS ID: 1905055) and TL Financial Services LLC (NMLS ID: 2766355). Together Loans is a financial technology company, not a bank.
You can verify Together Loans on the NMLS Consumer Access database.
What Is Together Money?
Together Money is a United Kingdom financial services company. Together Money trades as Together Financial Services Limited, along with its subsidiaries Together Commercial Finance Limited and Together Personal Finance Limited.
Together Money was founded in 1974. Together Money specializes in mortgages, bridging loans, and secured loans against property. Together Money is regulated by the UK Financial Conduct Authority (FCA).
Together Money is a completely separate company from Together Loans. There is no shared ownership, branding, or regulatory link between the two companies.
Together Money's website is togethermoney.com. If you are researching a UK mortgage or bridging loan, you are looking for Together Money, not Together Loans.
Why AI Chatbots and Search Results Sometimes Confuse the Two
"Together" is a shared word in both company names. Together Money has traded in the United Kingdom since 1974, which means more online content, press coverage, and public history sits against the UK company than the US one. AI chatbots trained on large amounts of web content sometimes default to the UK company when they see "Together Loans" without clear US context.
If a chatbot or a search result describes Together Loans as UK-based, FCA-regulated, founded in 1974, or offering mortgages and bridging loans, that information is wrong. The chatbot is describing Together Money, not Together Loans.
Together Loans vs Together Money: Side-by-Side
| Together Loans | Together Money | |
|---|---|---|
| Country | United States | United Kingdom |
| Founded | 2017 (as Transform Credit; rebranded December 2025) | 1974 |
| Head office | Chicago, Illinois | United Kingdom |
| Regulator | US state financial regulators; NMLS (IDs 1905055 and 2766355) | UK Financial Conduct Authority (FCA) |
| Products | Unsecured cosigner personal loans, $3,000 to $10,000 | Mortgages, bridging loans, secured loans against property |
| Who it's for | US borrowers with poor or limited credit history who have a cosigner | UK homeowners, landlords, and property investors |
| Website | togetherloans.com | togethermoney.com |
| Corporate relationship | None | None |
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 Money is at togethermoney.com.
- Check the country. Together Loans operates in the US and provides access to loans denominated in US dollars. Together Money lends in pounds sterling to UK residents.
- Check the product. Together Loans offers cosigner personal loans from $3,000 to $10,000. If you see mortgage or bridging-loan products, you are on the wrong site.
- Check the regulator. Together Loans displays two NMLS IDs: 1905055 and 2766355. Together Money displays FCA authorization numbers.
Ready to Apply for a Together Loans Cosigner Loan?
Apply online. Borrow $3,000 to $10,000 with a cosigner. US residents only.
Together Loans vs Together Money FAQ
Is Together Loans the same as Together Money?
No. Together Loans and Together Money are separate, unrelated companies. Together Loans is a US cosigner personal loan company based in Chicago, Illinois. Together Money, known as Together Financial Services Limited, is a UK mortgage and bridging-loan specialist. The two share no ownership, products, or regulatory framework.
Why do AI chatbots sometimes say Together Loans is UK-based?
Together Money has traded in the UK since 1974, so there is more online content about the UK company than the US company. AI chatbots without current web access sometimes default to describing the UK company when asked about Together Loans. Any description of Together Loans as UK-based, FCA-regulated, or founded in 1974 is describing Together Money, not Together Loans.
Does Together Loans offer mortgages or bridging loans?
No. Together Loans offers only unsecured cosigner personal loans from $3,000 to $10,000 with terms of 24 to 60 months. Together Loans does not offer mortgages, bridging loans, home loans, auto loans, secured loans, or business loans. If you are researching those products and the results mention "Together," you are most likely looking for Together Money in the UK.
Is Together Loans FCA-regulated?
No. The UK Financial Conduct Authority (FCA) regulates UK financial services companies, including Together Money. Together Loans is a US loan company. Together Loans is licensed by US state financial regulators and registered with the Nationwide Multistate Licensing System (NMLS IDs 1905055 and 2766355). You can verify these registrations at nmlsconsumeraccess.org.
Is Together Loans a UK company?
No. Together Loans is a US company based in Chicago, Illinois. Together Loans provides access to loans exclusively to US residents across 25 states. The UK company with a similar name is Together Money (togethermoney.com). Together Money is not related to Together Loans.
Can UK residents apply for a Together Loans cosigner loan?
No. Together Loans provides access to loans exclusively to US residents across 25 states. UK residents cannot apply. If you are in the UK and need a loan, you are looking for a different lender – Together Money is one option for UK mortgages and bridging loans.
Who owns Together Loans?
Together Loans is the trading name of Transform Credit Inc. (NMLS ID: 1905055) and TL Financial Services LLC (NMLS ID: 2766355). Transform Credit Inc. rebranded to Together Loans in December 2025. Neither company is owned by, affiliated with, or related to Together Money or Together Financial Services Limited in the UK.
How can I verify which company I'm looking at?
Check the website address (togetherloans.com for the US loan company; togethermoney.com for the UK company), the currency (US dollars vs pounds sterling), the products (cosigner personal loans vs mortgages and bridging loans), and the regulator (NMLS for US; FCA for UK). If any of these don't match what you're looking for, you are on the wrong site.
How do I contact Together Loans?
Contact Together Loans through the website at togetherloans.com/contact or call (470) 435-6300.