Together Loans Reviews 

8,854
TrustScore 4.5 out of 5

4.6

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Review summary

Created with AI, based on recent reviews

Considering 3,364 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently highlight the easy and straightforward process, appreciating the professional and kind staff. Many praise the excellent customer service, noting quick responses and clear communication. The company often provides assistance when other lenders would not, giving individuals a fair opportunity and disbursing funds quickly. However, some customers noted issues with funds being disbursed to the co-signer's account, causing delays for the applicant. Some also found the co-signer verification process uncomfortable or intrusive, with reports of rude staff and inconsistent information, leading to a frustrating experience.

What people talk about most

Customer service

Reviewers mention positive feedback about customer service, highlighting that representatives are often... See more

Service

Consumers find service to be positive, with many reviewers expressing satisfaction with the quick and easy... See more

Staff

Customers had positive experiences with staff, frequently highlighting their professionalism, kindness, and... See more

User experience

Clients share positive opinions on user experience, frequently describing the process as easy,... See more

Payment

Reviewers highlight ambiguous aspects of payment, with many expressing frustration that funds were sent to... See more

Reviews shaping this summary

Rated 5 out of 5 stars

The process was easy and straightforward, they even made suggestions to better structure the loan to my benefit. Everything was done online and over the phone including verication of identity. The ter... See more

Company replied

Rated 5 out of 5 stars

⭐️⭐️⭐️⭐️⭐️ 5-Star Review for Together Loan Together Loan came through for me at a time when I really needed support. While other lenders denied me because of my low credit score, they took the... See more

Company replied

Rated 5 out of 5 stars

Together Loans created an occasion that was surprisingly better than I had expected. My mother and I were apprehensive at first, citing the commentary past borrowers left. One thing that every comment... See more

Company replied

Rated 5 out of 5 stars

I was treated with patience and kindness, all my questions were answered to my satisfaction, the process has been easy, and Glenda I believe was her name, she was very kind. Customer service was fanta... See more

Company replied


Company details

  1. #9 of 14 best companies in Car Finance and Loan Company
  2. #81 of 175 best companies in Alternative Financial Service
  3. #136 of 251 best companies in Non-Bank Financial Service

About Together Loans

Written by the company

Together Loans

The US guarantor loan company that offers old-fashioned loans based on trust. Fast, flexible and straight forward. Borrow up to $10,000 with a guarantor within 24 hours. Comparison Rate 35.99%

Decisions made by real people

Together Loans doesn't just let computers decide if you can have a guarantor loan. The most important thing is that you have a friend or family member who trusts you enough to guarantee to make repayments if you don't, and that you can afford to repay the loan.

No Fees or Charges ever

Together Loans doesn't charge fees for applying for a loan, paying your loan off early or making a late payment. The only thing you pay is the interest agreed before the loan is paid out.

A cheaper way to borrow

Our guarantor loans are around ¼ th of the interest rate of a payday loan and are proven to be one of the cheapest options for anyone borrowing $3,000 - $10,000 with bad credit.

Paying off your guarantor loan

We've thought of as many ways as possible for you to repay your guarantor loan. Monthly repayments are made automatically by ACH, but you can also pay in our App or over the phone at any time during office hours. Interest is calculated daily so you only pay for the time you have the loan. This means if you pay the loan off early, you pay less than the agreed amount as you stop paying interest on that money immediately.

Join the thousands of customers who we have helped today.



Contact info

4.6

Excellent

TrustScore 4.5 out of 5

9K reviews

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Asks customers to review

This company invites their customers to review, whether positive or negative

Replied to 78% of negative reviews

Typically replies within 1 week

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4.6

All reviews

(8,854)

3,272 reviews in the last 12 months

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Rated 1 out of 5 stars

Will not respond to you once get a loan

While getting a loan is quick and response time fast, once you have the loan they will not answer the phone, will not answer emails or texts. Their app is supposed to let you change payment dates to match what you need, but it tells you that you can't until 5 days past your payment. Fine, but that lasts until about 10 days out then it says no because you have an upcoming payment. and god forbid they answer the phone or respond to anything. They will call only for new loans

July 23, 2026
Unprompted review
Rated 5 out of 5 stars

I applied for a loan

I applied for a loan and got a co signer. And have been approved but haven't received the funds yet. The only thing I do not like and disagree with is if you the borrow get approved the funds should go to you not your co signer.

July 22, 2026
Rated 5 out of 5 stars

It was easy and fast

It was easy and fast, except for the money being sent to the cosigner account but other than that everything was good and I am satisfied with it!

July 15, 2026
Rated 5 out of 5 stars

great

Together Loans are always very professional and also very friendly. The customer service is beyond expectations. I really enjoy doing my loans with this company.

July 22, 2026
Rated 5 out of 5 stars

You guys were awesome

You guys were awesome. I would not use any other loan place besides y’all tried many of people and you are the only ones that came through for me

July 22, 2026
Rated 1 out of 5 stars

Worst Loan Payoff Experience I've Ever Had

Extremely disappointed with Together Loans. I have been trying for over a week to simply pay off a loan that I cosigned. My bank withdrew over $3,453 from my account on July 13 and has confirmed the payment reached the Wells Fargo address that Together Loans instructed me to use on July 16.

Since then, I have sent multiple emails, left several voicemails, and even provided documentation showing the payment was sent exactly as instructed. Instead of anyone actually reading my emails or helping resolve the issue, I continue receiving automated payoff emails telling me my balance and warning about additional interest. It feels like no one is reading my correspondence.

I have asked simple questions: Did you receive my payment? Why has it not been applied? Why am I receiving payoff notices after the payment was sent? Those questions have gone unanswered.

Customer service has been extremely poor. Communication has been nearly nonexistent, voicemails have not been returned, and when I finally received a call, no voicemail was left after I missed it. As a customer trying to pay off a loan, I should not have to chase a lender for answers while worrying about additional interest because of delays on their end.

This has been one of the most frustrating financial experiences I have ever had. I cannot recommend Together Loans based on my experience.

If this matter is not resolved promptly, I will be filing formal complaints with the Consumer Financial Protection Bureau (CFPB), my state's Attorney General, and any other applicable regulatory agencies.

July 22, 2026
Unprompted review
Rated 1 out of 5 stars

Terrible customer service

Terrible customer service. They have repeatedly taken payments out of my account unauthorized. I cosigned on a loan for my daughter, at least twice now she has had payments pending & they have taken it from my account then hers goes through the next day. I'm on disability & have a limited income & these people are vultures. I've had to change my debit card twice before now I'm on my 3rd time. Borrow from anyone else in if you can, I know loansharks with more morals than these criminals.

July 22, 2026
Unprompted review

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