# Together Loans

> Trust-based personal loans with transparent terms and mobile management. (iPhone/iPad app by Transform Credit.)

- Source: https://appshunter.io/ios/app/together-loans/id6480202690 (this page in markdown: same URL + `.md`)
- Developer: [Transform Credit](https://appshunter.io/developer/1738457418)
- Category: Finance
- Price: Free
- Rating: 4.30/5 from 388 App Store ratings · 37 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 38 MB
- Languages: American English
- Released: 2024-04-03
- Data updated: 2026-09-01
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/together-loans/id6480202690/reviews.md

## What is Together Loans?

New to Together Loans?

We're building a new type of loan company. One based on trust.

We're a lender, but our loans are a little different. Most lenders look at your credit history to decide whether you can borrow from them, based on how you've previously handled your money. We don't do that - our loans are based on trust.

If you're trustworthy and can afford the monthly payments but have been turned down by the banks, Together Loans could be for you. We offer a fair, simple and transparent loan based on trust - not just your financial history.

With the Together Loans app you can: 
- Apply for a loan right here in the app
- View you loan like never before
- Quickly access your statement
- Make payments simply and securely
- Get help with your loan in real time
- Top Up and Borrow More

To learn more about Together Loans and how we offer a fresh approach on lending visit our website at togetherloans.com.

Representative Example: Borrowing $3,000.00 over 24 months, repaying $177.13 per month, total repayable $4,251.12. Interest Rate 35.99% APR. Minimum term 24 months. Maximum term 60 months. Maximum APR 35.99%. There are no added fees. All Loans are subject to credit and underwriting approval. The full range of available loan amounts and rates varies by State.

## Key features

- View loan details
- Access statements
- Secure payments
- Top up and borrow more
- Transparent loan terms

## Chart rankings

- #143 in Top Free · Finance (US App Store)

## Recent user reviews (10 of 37)

All indexed reviews: https://appshunter.io/ios/app/together-loans/id6480202690/reviews.md

### 1/5 — Predatory Lender who tries to skirt state laws and uses illegal intimidation tactics

*2026-07-19, version 9.0.4*

I had received a loan from this company for a small amount, they put half of it into a separate account, my cosigners, and then put the other half later and told the cosigner they had to transfer the money to my account. 

That’s a shady practice already. But after trying to pay on it for a year, the monthly payments barely went to the principal. Say if you got a $5000 (not my sum) loan and you paid on it for a year and the principal is only down to $4700 even though you were paying say $185- $200 a month, that doesn’t add up unless they are using hidden fees and hidden interest charges. 

At that time, they were calling themselves transform credit, but for some reason they had to change their name. They tried to spin it as a PR friendly term but when you research it, you find out that it was related to copyright restrictions and they also do that to hide their previous reputation or come after people under a different label just to throw them off and confuse them.

If you live in a state that has a strong consumer protection system, and you feel like these people are intimidating you and trying to make you scared by hitting your credit or threatening legal action. Immediately go to your banks fraud department, immediately remove their access to your bank through your ACH payments. Do not give this company any more money and get a finance attorney if you can. 

If not, they will have to go through a judge in your state to try and reclaim that money and most states with a protection system and interest caps will see that they have illegally loaned money and will dismiss the case altogether. They may try to send a fake garnishment order to your local clerk of courts, but a good clerk will see that and realize that it doesn’t match state law and dismiss it. If not, you are still able to contest it.

The only reason these companies are active now is because of certain political actions done by a certain president on a federal level that makes them feel empowered to act that way. Know that you still have rights within your state and you will have protections in the future, even if the current temperature does not seem like it. 

Remember that they have to comply with federal AND state laws to operate. They have been barred from operating in 12 states across the nation already. They will tell you that because they are a lender from a different state they can follow that states laws, but that is not true. If they’re lending in your state, they are required to follow your state laws.

Do not allow them to use any type of scare tactics any type of threats of legal action or anything when you’re not behind on your payment. These people are just one step away from being an Indian scam call center who just tried to rip off ignorant or ill informed Americans. 

Stay safe.

### 1/5 — Need co-signer

*2026-07-17, version 9.0.4*

If I knew someone with awesome credit who could co-sign for this, I’d just ask them to borrow me the money. Misleading.

### 1/5 — I do not recommend

*2026-07-03*

Loan was taken out in my name. Someone had access to my phone could be a family member or a coworker. And took out a loan, pay it back and everything, but it was completely without my knowledge. The only way I discovered this is I get a five dollar charge on my bank account. It is almost impossible to get a hold of anybody at Together Loans. I’ve left messages. I’ve returned emails. And I did some Google searches. I downloaded the app. They had my information in the app when I close out the app next time I try to use it said the app had an upgrade did the upgrade and I can no longer. Get in the app.

### 1/5 — The Worst Loan I have ever had!

*2026-06-27*

Worst choice in getting a loan I’ve ever had! Takes forever to pay off because the amount of interest you have to pay towards the loan plus trying to find somebody to help you get your loan paid off or make a payment is impossible. There’s no way to get in touch with anybody except for leaving a voicemail which they never called you. This is a rip off to the fullest extent. Do not get along with these people.

### 5/5 — Never had to file bankruptcy

*2026-06-16*

I was a single mother for many years had to miss a payment here and there but to be able to have a lender work with me on my credit history is a blessing thank u for the opportunity to start fresh again sincerely Melissa Honchell

### 1/5 — Update

*2026-06-03, version 9.0.0*

Keeps telling me to update the app and it’s completely up to date there is no update on the AppStore. Can’t login! FIX!!!!

### 5/5 — Thank you together loans team

*2026-05-09*

Read the fine print. Understand what you’re signing, don’t be shocked. You either agree or don’t agree. Transform credit now together loans helped me out when no one else would. Yea it took some time to pay it back but the monthly payments didn’t break my bank. It forced me to be smarter and realize I needed to manage money better. Just paid it off and it’s done wonders for my credit. Thank you together loans team. To whomever really needs this, I hope it helps you get back on your feet. May god be with you.

### 1/5 — Horrible app/website

*2026-04-29*

“Lines are open 8am-8pm CT Monday through Friday” but you call them and they make you leave a voicemail and never answer. All I need is to change a phone number. Why can’t I do it in the app or on the website? Ridiculous.

### 5/5 — Only writing a view because

*2026-04-23*

The amount of people leaving bad reviews is insane. We are literally informed about the high interest rates in the beginning process of applying for the loan. Yes, the interest rate is high and yes, we are paying them an enormous amount back as it’s being taken from our monthly payment portion. It’s to help build credit but also take into consideration they are taking a HUGE risk in each individual they are helping with these loans. Maybe take this as a learning experience that we just need to be more responsible and respectful and that it helps build financial responsibility and build experience. I don’t know, I just don’t understand the negative views when EVERYTHING is transparent from the get go. If you’re mad about paying even more than you borrowed you shouldn’t have taken one out in the first place. Everything we do is a learning experience from our own actions. Hope everyone has a blessed day and life! Thank you togetherloans for helping me when I needed it 2 years ago and thank you for helping me build my credit in the process. Truly grateful! 💕

### 1/5 — Horrible customer service and business practices

*2026-03-27*

Do not under any circumstances use this company! They are out to just take your money and then add more onto your debt even more with their interest rates!!! I have great credit and cosigned, they are the most horrible, inconsiderate, irrational, and also don’t have a way to contact them for customer service.
So that means they are not willing to offer any customer services. Take heed!! From an experienced customer.

## Frequently asked questions about Together Loans

### What is Together Loans?

Together Loans is a lender that offers a different approach to personal loans. Instead of relying solely on your credit history, they base loan decisions on trust and your ability to afford monthly payments. They aim to provide fair, simple, and transparent loans.

### What can I do with the Together Loans app?

The app allows you to view your loan details like never before, quickly access your statement, and make payments simply and securely. You can also top up your existing loan and borrow more directly through the app.

### How much do Together Loans cost?

The app itself is free to download and use. The loans offered have a representative example showing a borrowing amount, term, monthly repayment, and APR. There are no added fees, but all loans are subject to credit and underwriting approval.

### Who is Together Loans for?

This service is for individuals who are trustworthy and can afford monthly payments but may have been turned down by traditional banks. It's ideal for those looking for a loan based on trust rather than just their financial history.

### Is Together Loans available on all devices?

The provided description does not specify compatibility with particular operating systems (e.g., iOS or Android). However, it is presented as a mobile application, suggesting it is designed for smartphones and tablets.

## Version history (last 5 releases)

### 9.1.2 — 2026-08-19

You can now chat with us directly in the app! Get secure, real-time support for your loan without ever leaving the app.

### 9.1.1 — 2026-07-30

You can now chat with us directly in the app! Get secure, real-time support for your loan without ever leaving the app.

### 9.0.4 — 2026-07-16

You can now apply for a loan right in the app; the same place you make payments and check statements. Start an application & get a decision. All without leaving the app.

### 9.0.3 — 2026-07-11

You can now apply for a loan right in the app; the same place you make payments and check statements. Start an application & get a decision. All without leaving the app.

### 9.0.2 — 2026-06-13

You can now apply for a loan right in the app; the same place you make payments and check statements. Start an application & get a decision. All without leaving the app.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-01.*