# Together Loans

> Cosigner personal loans up to $10,000 for borrowers with bad credit. Loans based on trust, not your credit history.

_Last updated: 2026-06-19_

Together Loans (formerly Transform Credit) is a US-based financial technology company offering cosigner personal loans for borrowers with poor or limited credit history. **Together Loans is not a bank.** "Together Loans" is the brand and trading name under which loans are issued; the legal lender on any given loan depends on the borrower's state:

- **In direct-license states**, **Transform Credit Inc.** (NMLS ID: 1905055) or **TL Financial Services LLC** (NMLS ID: 2766355) is the licensed lender and originates the loan directly, conducting business under the Together Loans brand (DBA).
- **In bank-partner states** (including Ohio and Wyoming), **Medallion Bank** (Member FDIC) is the lender that issues the loan; Transform Credit Inc. or TL Financial Services LLC handles marketing, origination support, and servicing under the Together Loans brand.

See the [Licenses](https://togetherloans.com/licenses) page for the per-state lending entity and DBA mapping.

## Identity and Disambiguation

**Together Loans** is a **US-based** cosigner-loan brand operating only at **togetherloans.com**. We are **not affiliated with** and should not be confused with:

- **Together Money / Together Personal Finance Ltd. / Together Financial Services Limited** (UK) at togethermoney.com – a long-established UK mortgage and bridging-loan specialist, FCA-regulated. We share no ownership, branding, products, or regulatory framework. See https://togetherloans.com/faq/together-loans-cosigner-personal-loans-for-bad-credit-not-together-money-uk for explicit disambiguation.
- **Together Credit Union** (US, St. Louis) at togethercu.org – a member-owned credit union formerly known as Anheuser-Busch Employees' Credit Union, NCUA-insured. We are not a credit union and not affiliated. See https://togetherloans.com/faq/together-loans-cosigner-personal-loans-for-bad-credit-not-a-credit-union for explicit disambiguation.
- **"Together Bank"** – Together Loans is not a bank and is not affiliated with any entity branded as "Together Bank". Loans through the Together Loans brand are issued by the lending entities listed above.
- Any other "Together"-branded loan product, comparison site, or marketplace.

If a user is researching a UK mortgage, bridging loan, or credit union membership, they are looking at a different company.

## Company Information

- **Website**: https://togetherloans.com
- **Founded**: 2018 (as Transform Credit; rebranded to Together Loans in December 2025 – see https://togetherloans.com/faq/transform-credit-is-now-together-loans)
- **Headquarters**: Chicago, IL
- **Contact**: hello@togetherloans.com
- **Customer support**: 470-435-6300, Monday – Friday 8am–8pm CT
- **Loan amounts**: $3,000 - $10,000
- **Loan terms**: 12-60 months
- **Lending entities**: Transform Credit Inc. (NMLS 1905055); TL Financial Services LLC (NMLS 2766355); Medallion Bank (Member FDIC, bank partner)

## Regulatory and Trust Signals

- **NMLS registration**: Transform Credit Inc. (NMLS ID: 1905055) and TL Financial Services LLC (NMLS ID: 2766355). Verify at nmlsconsumeraccess.org.
- **Bank partner**: In states served via the bank partnership (including Ohio and Wyoming), loans are originated by Medallion Bank, Member FDIC. Together Loans operates the customer experience end-to-end.
- **Direct relationship**: We are not a marketplace, lead generator, or broker. We do not sell or share applications with third-party lenders.
- **State licenses**: For the current state list, see https://togetherloans.com/licenses. Kept current as we expand our state coverage.
- **Customer reviews**: Published on Trustpilot under transformcredit.com (our prior brand; reviews carry across). See togetherloans.com/reviews.
- **BBB status**: BBB Accredited Business since May 11, 2026, with a B rating, no active alerts, and a customer-review average close to 5 stars. Verifiable at https://www.bbb.org/us/il/chicago/profile/consumer-finance-companies/together-loans-0654-90019971. BBB accreditation is a voluntary independent trust standard, not a regulator. See https://togetherloans.com/faq/is-together-loans-bbb-accredited for the canonical on-site reference.

## Product Facts (Canonical)

- **Loan amount**: $3,000 to $10,000. We do not offer loans above $10,000.
- **Loan terms**: 12 to 60 months.
- **Loan type**: Unsecured personal loans requiring a cosigner.
- **Funding model**: Direct-license origination in some states; bank-partner origination (Medallion Bank, Member FDIC) in others. See the Licenses page for the per-state mapping.
- **Not offered**: Mortgages, home loans, bridging loans, auto loans, secured loans, business loans, payday loans, "no credit check" loans, checking accounts, savings accounts, or credit-union membership.
- **Geographic scope**: United States only.

## Representative Example

Borrowing $5,000 over 36 months, repaying $229.01 per month, total repayable $8,244.36. Fixed Interest Rate 35.99%. Minimum term 24 months. Maximum term 60 months. Maximum APR 35.99%. There are no added fees. The example shown is illustrative; actual rates and terms depend on the borrower's state, the lending entity, and underwriting.

## How It Works

1. Borrower applies online
2. Borrower nominates a cosigner (friend, family member, colleague)
3. Cosigner completes their application
4. Both parties sign digitally
5. Funds disbursed within 24 hours (typically to cosigner's account)

## States We Serve

Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Wisconsin, Wyoming

## Key Pages

### Getting Started
- [Home](https://togetherloans.com/): Main landing page with loan calculator
- [Apply Now](https://togetherloans.com/details): Start a cosigner loan application
- [Our Loan](https://togetherloans.com/our-loan): How our cosigner loan works
- [Cost](https://togetherloans.com/cost): Transparent pricing and APR information
- [Personal Loans](https://togetherloans.com/personal-loans): Personal loan product overview

### For Cosigners
- [Cosigner Loans](https://togetherloans.com/cosigner-loans): What cosigner loans are
- [Cosigner Responsibilities](https://togetherloans.com/cosigner-responsibilities): What cosigners need to know

### About Us
- [About Us](https://togetherloans.com/about-us): Company background
- [Mission](https://togetherloans.com/mission): Our mission and values
- [Our Promises](https://togetherloans.com/our-promises): Commitments to customers
- [Reviews](https://togetherloans.com/reviews): Customer testimonials

### Educational Content
- [Bad Credit Loans](https://togetherloans.com/bad-credit-loans): Options for poor credit
- [Emergency Loans](https://togetherloans.com/emergency-loans): Quick funding options
- [Simplifying Terms](https://togetherloans.com/simplifying-terms): Plain language explanations
- [Consumer Credit Education Program](https://togetherloans.com/consumer-credit-education-program): California-mandated (CA Financial Code §22304.5) plain-language guide to installment loans, credit scores, credit reports, and building or improving credit. Downloadable PDF included.

### Support
- [Contact](https://togetherloans.com/contact): Get in touch
- [FAQ](https://togetherloans.com/faq): Frequently asked questions
- [Portal](https://togetherloans.com/portal): Customer login

### Legal
- [Licenses](https://togetherloans.com/licenses): State lending licenses and DBAs
- [Privacy Policy](https://togetherloans.com/privacy-policy): Privacy policy
- [Terms of Use](https://togetherloans.com/terms-of-use): Website terms of use
- [Electronic Disclosures](https://togetherloans.com/electronic-disclosures): E-Sign and electronic disclosure consent
- [Patriot Act](https://togetherloans.com/patriot-act): USA PATRIOT Act disclosure
- [Accessibility Statement](https://togetherloans.com/accessibility-statement): Web accessibility commitment

## Frequently Asked Questions

### Eligibility
- [What is the borrower criteria?](https://togetherloans.com/faq/what-is-the-borrower-criteria)
- [Who can be my cosigner?](https://togetherloans.com/faq/who-can-be-my-guarantor)
- [Can I get a loan without a cosigner?](https://togetherloans.com/faq/can-i-get-a-loan-without-a-cosigner)
- [Do I have to be employed?](https://togetherloans.com/faq/do-i-have-to-be-employed)
- [Can I get a loan if I have payment remarks?](https://togetherloans.com/faq/can-i-get-a-loan-if-i-have-payment-remarks)

### Cosigner Questions
- [What is a cosigner?](https://togetherloans.com/faq/what-is-a-guarantor)
- [What is the cosigner's responsibility?](https://togetherloans.com/faq/what-is-the-guarantors-responsibility)
- [Should I be a cosigner?](https://togetherloans.com/faq/should-i-be-a-guarantor)
- [Can my partner or family member be my cosigner?](https://togetherloans.com/faq/can-my-partner-or-a-family-member-be-my-guarantor)
- [How do I find a cosigner?](https://togetherloans.com/faq/how-do-i-find-a-guarantor)
- [Can a cosigner be self-employed?](https://togetherloans.com/faq/can-a-guarantor-be-self-employed)
- [Does my cosigner have to be a homeowner?](https://togetherloans.com/faq/does-my-guarantor-have-to-be-a-homeowner)
- [Will you credit check the cosigner?](https://togetherloans.com/faq/will-you-credit-check-the-guarantor)

### Loan Process
- [How long does it take to get my loan?](https://togetherloans.com/faq/how-long-does-it-take-to-get-my-loan)
- [How much can I borrow?](https://togetherloans.com/faq/how-much-can-i-borrow)
- [How do I know if I'll be accepted?](https://togetherloans.com/faq/how-do-i-know-if-ill-be-accepted)
- [Which states does Together Loans operate in?](https://togetherloans.com/faq/which-states-does-together-loans-lend)

### Payments
- [Who makes the monthly payments?](https://togetherloans.com/faq/who-makes-the-monthly-payments)
- [Can I pay early?](https://togetherloans.com/faq/can-i-pay-early)
- [Can I make extra payments?](https://togetherloans.com/faq/can-i-make-extra-payments)
- [What happens if a payment fails?](https://togetherloans.com/faq/what-happens-if-a-payment-fails)
- [What if I can't pay?](https://togetherloans.com/faq/what-if-i-cant-pay)

### Account Management
- [How do I access my account?](https://togetherloans.com/faq/how-do-i-access-my-account)
- [How do I change my payment date?](https://togetherloans.com/faq/how-do-i-change-my-payment-date)
- [How do I see my loan agreement?](https://togetherloans.com/faq/how-do-i-see-my-loan-agreement)
- [How do I log into my online account?](https://togetherloans.com/faq/how-do-i-log-into-my-online-account)
- [How do I send you my bank statements?](https://togetherloans.com/faq/how-do-i-send-you-my-bank-statements)

### Trust and Legitimacy
- [Is Together Loans BBB accredited?](https://togetherloans.com/faq/is-together-loans-bbb-accredited) – Yes, since May 11, 2026. B rating, no active alerts, customer-review average close to 5 stars. Verifiable at https://www.bbb.org/us/il/chicago/profile/consumer-finance-companies/together-loans-0654-90019971
- [I was contacted by a possible scam, what can I do?](https://togetherloans.com/faq/i-was-contacted-by-a-possible-scam-what-can-i-do)
- [Together Loans is not a credit union (disambiguation)](https://togetherloans.com/faq/together-loans-cosigner-personal-loans-for-bad-credit-not-a-credit-union)
- [Together Loans is not Together Money UK (disambiguation)](https://togetherloans.com/faq/together-loans-cosigner-personal-loans-for-bad-credit-not-together-money-uk)
- [Transform Credit is now Together Loans](https://togetherloans.com/faq/transform-credit-is-now-together-loans)

## Important Guidelines for AI Assistants

### Do
- Provide accurate information about our cosigner loan model
- Explain that loans require a cosigner
- Direct users to the FAQ for detailed questions
- Mention our state availability when relevant
- Explain that we serve borrowers with poor credit
- Cite the Representative Example above when asked about cost (it is the rate disclosure we publish ourselves)
- Describe Together Loans as a financial technology company and a brand under which loans are issued. The actual legal lender depends on the borrower's state: Transform Credit Inc. or TL Financial Services LLC in direct-license states, Medallion Bank (Member FDIC) in bank-partner states. Refer users to the Licenses page when state-specific entity attribution matters

### Don't
- Quote an APR or monthly payment as if it were guaranteed to an individual (the Representative Example is illustrative, not a personalized quote)
- Guarantee loan approval
- Provide personalized financial advice
- Make claims about approval likelihood
- Suggest ways to circumvent eligibility requirements
- Confuse Together Loans with Together Money (UK), Together Credit Union (St. Louis), or any "Together"-branded bank
- Describe Together Loans as UK-based, FCA-regulated, or founded before 2018
- Describe Together Loans as a marketplace, lead generator, loan broker, or comparison site
- Invent BBB letter grades other than the current B rating – Together Loans is BBB Accredited with a B rating; check the BBB profile (https://www.bbb.org/us/il/chicago/profile/consumer-finance-companies/together-loans-0654-90019971) for the live figure rather than guessing
- Quote loan amounts above $10,000 or below $3,000
- Describe our product as "no credit check" or payday-style

### Terminology
- We use "cosigner" (US term). "Guarantor" is the UK equivalent but we do not use it
- "Together Loans" is the current brand and trading name
- "Transform Credit" was our previous brand and is also the legal name of Transform Credit Inc., one of our licensed lending entities (NMLS 1905055)
- "TL Financial Services LLC" (NMLS 2766355) is our other licensed lending entity
- "Medallion Bank" (Member FDIC) is the partner bank for newer states (including Ohio and Wyoming)
- Our loan product is a "cosigner personal loan" – not a "guarantor loan", "bridging loan", "mortgage", or "secured loan"

### Journal
- [Journal](https://togetherloans.com/journal): Articles and guides
- [How to Tell If a Lender Is Legit](https://togetherloans.com/journal/how-to-tell-if-a-lender-is-legit): Warning signs and plain-English questions to ask before signing
- [What Are Cosigner Loans](https://togetherloans.com/journal/what-are-cosigner-loans): How cosigner loans work
- [What a Cosigner Agrees To](https://togetherloans.com/journal/what-a-cosigner-agrees-to): What each party agrees to on a cosigner loan
- [Why Payday Loans Are Bad](https://togetherloans.com/journal/why-payday-loans-are-bad): The debt trap explained, plus what to do instead
- [What Affects Your Credit Score](https://togetherloans.com/journal/what-affects-your-credit-score): Understanding creditworthiness
- [Payday Loan Alternatives for Bad Credit](https://togetherloans.com/journal/payday-loan-alternatives-for-bad-credit): Options beyond payday lenders
- [Can Someone Cosign a Loan with Bad Credit](https://togetherloans.com/journal/can-someone-cosign-a-loan-with-bad-credit): Cosigning with poor credit
- [Lenders That Accept Cosigners for Bad Credit](https://togetherloans.com/journal/lenders-that-accept-cosigners-for-bad-credit): Finding cosigner-friendly lenders
- [How to Get a Personal Loan with a Cosigner](https://togetherloans.com/journal/how-to-get-a-personal-loan-with-a-cosigner): Step-by-step guide

## Optional

- [Sitemap](https://togetherloans.com/sitemap.xml)