Transform Credit Inc. officially rebranded to together loans to better reflect its mission of trust-based lending. The company, the team, and every loan agreement remain unchanged.<\/p>\n\n\n\n
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- Existing customers now see the Together Loans name on emails, letters, and the together loans app, but their interest rate, monthly repayments, and repayment schedules are exactly as originally agreed.<\/li>\n\n\n\n
- Transform Credit Inc. (NMLS ID: 1905055) and TL Financial Services LLC are the same licensed lender, not a credit union. All cosigner loan terms remain as you signed them.<\/li>\n\n\n\n
- If you previously handled your account under “Transform Credit,” you should now log in, download the app, or contact support under “Together Loans.”<\/li>\n<\/ul>\n\n\n\n
<\/span>Who were Transform Credit, and what do they offer now as Together Loans?<\/span><\/h2>\n\n\n\n
Transform Credit started as a specialist US lender for people with bad credit who could still afford the monthly payments with help from a trusted cosigner. The same cosigner loans are now offered under the Together Loans brand: personal loans for borrowers turned away by most lenders elsewhere.<\/p>\n\n\n\n
Where most lenders focus almost entirely on credit scores, this company looks at affordability and trust between borrower and cosigner. Key facts about the product:<\/p>\n\n\n\n
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- You can borrow up to $10,000 with a guarantor loan<\/a>, with available loan amounts typically in the $3,000 to $10,000 range.<\/li>\n\n\n\n
- The maximum apr is 35.99%, fixed, and the maximum term extends to 60 months.<\/li>\n\n\n\n
- A representative example: $5,000 over 36 months at 35.99% APR costs roughly $229 per month.<\/li>\n<\/ul>\n\n\n\n
<\/span>How Transform Credit’s cosigner loans work<\/span><\/h2>\n\n\n\n
A cosigner loan means the borrower applies with a friend or family member who agrees to step in if payments are missed. The cosigner takes legal responsibility for the money if the borrower cannot repay.<\/p>\n\n\n\n
The application process works in a simple, step-by-step way:<\/p>\n\n\n\n
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- The borrower applies online via the website, providing income and expense detail.<\/li>\n\n\n\n
- The lender reviews whether both parties can afford the monthly repayments, then sends a unique link for the cosigner to complete their part.<\/li>\n\n\n\n
- Credit and underwriting approval focuses on stable income and affordability rather than credit history alone. Underwriting approval decisions are subject to full verification.<\/li>\n\n\n\n
- Once approved before noon EST, funds are expected the same day; otherwise, next business day with no waiting beyond that.<\/li>\n<\/ul>\n\n\n\n
Both borrower and cosigner should review the loan agreement carefully before they decide to sign.<\/p>\n\n\n\n
![\"InvestGlass](\"https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/02\/InvestGlass-smartagent-prompt-1024x832-1.png\")
InvestGlass \u55b6\u696d\u62c5\u5f53\u8005\u3068\u9280\u884c\u62c5\u5f53\u8005\u306e\u305f\u3081\u306e\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u578bAI<\/figcaption><\/figure>\n\n\n\n <\/span>Who can apply: borrowers with bad credit and trusted cosigners<\/span><\/h2>\n\n\n\n
Transform Credit and Together Loans are built for people whose financial history includes missed payments or defaults, but who still have regular income and can afford the monthly payment. Lower credit scores can affect eligibility for credit cards and rental apartments, making a cosigner loan a fair alternative.<\/p>\n\n\n\n
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- Borrower requirements:<\/strong> minimum age 18 (19+ in some states), regular income, and a budget that leaves room to pay after essentials.<\/li>\n\n\n\n
- What makes a strong cosigner:<\/strong> good or fair credit (typically 750+), steady income, a history of paying bills on time. This is usually a family member, spouse, or close friend.<\/li>\n\n\n\n
- Why it matters:<\/strong> high credit scores lead to lower interest rates on loans and credit cards, so the cosigner’s stronger profile helps. Guarantor loans are cheaper than payday loans, offering thousands of borrowers a more flexible path to access credit.<\/li>\n<\/ul>\n\n\n\n
<\/span>How Transform Credit evaluates affordability and creditworthiness<\/span><\/h2>\n\n\n\n
The approach has not changed under the Together Loans name. The company focuses on whether you can comfortably manage the monthly payments, not just your past credit score. This is a transparent loan based on what you can genuinely afford.<\/p>\n\n\n\n
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- Affordability checks review income (pay stubs, benefits), fixed costs (rent, utilities), and existing debts (credit cards, auto loans).<\/li>\n\n\n\n
- Applications are declined if the payment would only be affordable in a “perfect month” to protect both borrower and cosigner.<\/li>\n\n\n\n
- There are no added fees for origination, no late fees as stated, and no prepayment penalties. The rates varies by state, so always check the full range of terms on the official Together Loans website<\/a>.<\/li>\n\n\n\n
- Transforming credit involves paying down debt and fixing errors, and a responsible lender will not approve a loan that works against that goal.<\/li>\n<\/ul>\n\n\n\n
<\/span>Using the Together Loans app and support as a former Transform Credit customer<\/span><\/h2>\n\n\n\n
Former Transform Credit customers now manage their loans through the Together Loans app and website. Your login details remain the same; simply start by updating your app.<\/p>\n\n\n\n
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- Check your account:<\/strong> view balances, next payment dates, and each statement in detail.<\/li>\n\n\n\n
- Make payments:<\/strong> continue paying via automatic ACH, phone, or the updated app. Extra or early payments reduce total interest.<\/li>\n\n\n\n
- Get help:<\/strong> if you are unsure about the name change on your statement or emails, contact Together Loans by phone at 470-435-6300 or email hello@togetherloans.com. Staff are helpful and can confirm every detail of your loan paid history.<\/li>\n<\/ul>\n\n\n\n
<\/span>Transforming your credit with a cosigner loan<\/span><\/h2>\n\n\n\n
When managed well, a cosigner loan through Together Loans can help rebuild a damaged credit profile. Cosigner loans help rebuild credit while borrowing, because payment history accounts for 35% of your credit score<\/a>. Making every monthly payment on time is the single most effective step you can take.<\/p>\n\n\n\n
Credit scores are built from several components, and understanding each one helps you plan:<\/p>\n\n\n\n
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- Payment history affects 35% of your credit score.<\/li>\n\n\n\n
- Credit utilization makes up 30%, and keeping balances below 30% of your limits produces better scores.<\/li>\n\n\n\n
- The length of your credit history contributes 15%, so the age of your credit accounts matters.<\/li>\n\n\n\n
- Credit mix accounts for 10%. Diversifying credit types shows lenders you can manage different debts responsibly.<\/li>\n\n\n\n
- New credit inquiries affect your score by 10%. Applying for too many new accounts in a short time can temporarily drop your score, so avoid opening multiple new accounts in a short period.<\/li>\n<\/ul>\n\n\n\n
Beyond on-time repayments, adopt these habits to protect your progress:<\/p>\n\n\n\n
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- Set up automatic payments and keep a small buffer in your checking account so you never risk an overdraft.<\/li>\n\n\n\n
- Regularly check your credit reports from all three major bureaus<\/a> for errors. Disputing incorrect information can boost your credit score, and monitoring reports and correcting inaccuracies is essential for credit improvement.<\/li>\n\n\n\n
- Becoming an authorised user on a trustworthy person’s credit card can also help boost your score.<\/li>\n\n\n\n
- Transforming credit involves a disciplined approach to managing debt. Keep credit card balances low and review your progress at least once a year.<\/li>\n<\/ul>\n\n\n\n
A cosigner loan is one practical tool in a broader plan to rebuild your financial standing. Visit www.togetherloans.com to check eligibility and apply today.<\/p>\n\n\n\n
<\/span>Integrating InvestGlass for Enhanced Financial Management<\/span><\/h2>\n\n\n\n
To further support borrowers in managing their credit and loans effectively, Together Loans integrates with InvestGlass, a comprehensive digital platform designed for financial services<\/a>. InvestGlass offers tools for loan management, automated reminders, and personalized financial advice, helping borrowers stay on track with payments and budgeting.<\/p>\n\n\n\n
- Make payments:<\/strong> continue paying via automatic ACH, phone, or the updated app. Extra or early payments reduce total interest.<\/li>\n\n\n\n
- Transforming credit involves paying down debt and fixing errors, and a responsible lender will not approve a loan that works against that goal.<\/li>\n<\/ul>\n\n\n\n
- What makes a strong cosigner:<\/strong> good or fair credit (typically 750+), steady income, a history of paying bills on time. This is usually a family member, spouse, or close friend.<\/li>\n\n\n\n
- Borrower requirements:<\/strong> minimum age 18 (19+ in some states), regular income, and a budget that leaves room to pay after essentials.<\/li>\n\n\n\n
- You can borrow up to $10,000 with a guarantor loan<\/a>, with available loan amounts typically in the $3,000 to $10,000 range.<\/li>\n\n\n\n