Transform Credit
Transform Credit Inc Finance
Borrow and manage your Transform Credit Loan all in one place.
- Rating
- 3.9
- 701 ratings
- Downloads
- 167K+
- on Google Play
- Price
- Free
- No in-app purchases
- Updated
- Oct 1
- 2026 · v9.2.1
Screenshots
About Transform Credit
New to Transform Credit?
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, Transform Credit could be for you. We offer a fair, simple and transparent loan based on trust - not just your financial history.
With the Transform Credit app you can:
- Log on quickly and securely
- View you loan like never before
- Quickly access your statement
- Access your payment page
More features including topping up your loan coming soon.
To learn more about Transform Credit and how we offer a fresh approach on lending visit our website at transformcredit.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.
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, Transform Credit could be for you. We offer a fair, simple and transparent loan based on trust - not just your financial history.
With the Transform Credit app you can:
- Log on quickly and securely
- View you loan like never before
- Quickly access your statement
- Access your payment page
More features including topping up your loan coming soon.
To learn more about Transform Credit and how we offer a fresh approach on lending visit our website at transformcredit.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.
What’s new
Version 9.2.1 · Updated October 1, 2026
You can now chat with us directly in the app! Get secure, real-time support for your loan without ever leaving the app.
User reviews
my experience with transform credit has been very professional with all of the transform credit staff. helpful in every way.
good, it's my first time not getting a scam.
had some difficulties in the beginning for like the first year ,but after figuring it out the first few months, everything is down hill for now. So if you need a loan I can honestly recommend Transform Credit.
👍
easy to use
fast and easy service thank you
Frequently asked questions
How are Transform Credit loans decided?
Based on trust and affordability, not just credit history.
Alternatives to Transform Credit
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