Credit9 BBB Rating & Reviews

Credit9 BBB Rating & Reviews 1

Disclosure: We receive advertising revenue from some partners. Learn More


Credit9 Lending is a loan company providing personally tailored financial services, including home loans, auto loans, and student loans, with three distinct websites. They are both companies committed to providing professional, friendly, and transparent services.


Is Credit9 A Scam?

Credit9 Lending Reviews By The BBB

Credit9 has received 36 complaints over the past three years, 8 of which have been closed in the last year. Despite this, they still maintain an A+ rating from the Better Business Bureau. This is an impressive feat, as it shows they are committed to providing excellent customer service even in the face of challenges. It’s clear that Credit9 takes customer satisfaction seriously, and they should be commended for their dedication to resolving customer complaints in a timely manner, efficient and effective manner.

Here are some complaints that we found:

Credit9 BBB Rating & Reviews 2
Credit9 BBB Rating & Reviews 3

Credit9’s Lending Overview

Credit9 Lending is a reliable lending service for businesses and those with less-than-perfect credit, offering competitive interest rates and a commitment to customer service. They provide a fast, stress-free loan process and tailored loans for short-term and long-term needs.

Our review of their website and terms and conditions revealed some interesting and useful things. Here are a few highlights:

  • APRs range from 4.99% to 24%.
  • Cross River Bank makes all loans available through Credit9 LLC.
  • Credit9, LLC is a Delaware Limited Liability Company.
  • There is an origination fee of 2.5%.
  • Loans with low-interest rates or higher than $35,000 are likely to be brokered.
  • The loan amount, APR amount, and terms a customer qualifies for may vary based on credit determination and state law.

Credit9 Lending: Who Are They?

Credit9 Lending is a reliable lender with an A+ rating from the BBB and is licensed by the DFPI, offering secure financial services and other options that are tailored to individual customers.

Ads Powered By Medallion

See If You Qualify for
Debt Consolidation in
  30 Seconds

Credit9 Lending is a trusted lender founded in 2021. They have a 4.5 customer rating with the BBB, 1,413 customer reviews, and only 37 complaints in the last 3 years, demonstrating their commitment to quality services and customer satisfaction.

Credit9 Holdco Inc is a financial services company based in Irvine, CA. They provide loan origination, refinancing, debt consolidation loans, and credit counseling services. They also have affiliates, Americor and Fast Loans Funding, which offer loans and additional services. Contact them at (800) 291-0172.

Can You Tell Me How Much Credit9 Lending Charges?

Interest rates at Credit9 range from 4.99% to 24%, with a 2.5% origination fee.

Their most common fees include the interest rate, application fees, origination fees, and late fees. Interest is charged periodically on the principal loan amount and can be calculated at a fixed or variable rate.

  • Origination fees are typically flat fees and are charged to cover the cost of processing the loan.
  • Late fees are charged if the borrower fails to make a payment on the loan by the due date.

Credit 9’s fees are transparent and explained clearly before a borrower takes out the loan so that borrowers can make informed decisions about their loan.

How Does Credit9 Lending Affect Your Credit Score?

When taking out a loan, it is important to understand how it will affect your credit score. The lender will do a soft credit check to give you an idea of loan terms, which won’t affect your score, then a hard credit inquiry to finalize the loan, which will lower your score. Consider the pros and cons of taking out a loan before proceeding. debt consolidation company debt settlement program debt settlement program debt relief debt settlement firm

Is Credit9 Lending Right for Me?

You must meet the following criteria to be eligible to qualify for a personal loan from Credit9 Lending:

  • Be 18 years old or older.
  • Be a U.S. citizen or a permanent resident.
  • Have a checking or savings bank account in your name.
  • Have a steady source of income.
  • Have a valid phone number and email address.

The loan approval process can vary depending on credit score, income, and other documents requested. It’s important for consumers to be aware of the terms and conditions of each loan before applying to make sure it is the best fit.

See If You Qualify for Credit Card Relief

See how much you can save every month — plus get an estimate of time savings and total savings — with your very own personalized plan.


Credit9 Lending FAQs

How do I pay Credit9 Lending?

The payment method to accept your money is through ACH deposits (Automated Clearing House). If your request for payments is approved by 4:30 pm CT Monday-Friday, your funds will generally be deposited the next business day.

Who is Credit9 Lending affiliated with?

Fast Loans Funding is a debt resolution company affiliated with Credit9 Lending. 

How do I cancel my Credit9 Lending personal loan?

It is important to think carefully and informed decisions before applying for a personal loan. Once the funds have been transferred to your account, you cannot undo the transaction or cancel it. It is best to ensure that you are confident in the decision you are making before applying for a loan so that you do not have to deal with any unnecessary cancellations or changes to your account later on. Taking the time to consider your options and make sure you make an informed decision and are comfortable with your choice is the best way to avoid any issues with your loan.

Is Credit 9 Lending a debt settlement company?

No, Credit9 Lending is not a debt settlement company. They only offer personal loans.

Debt settlement companies can help reduce your debt by negotiating down payments with creditors on your behalf. It is worth exploring, but remember it is not a freeway out and you must be able to afford to pay the new agreed-upon amount.

Will Credit9 hurt my credit?

Credit9 can be a great tool for those who have good credit scores and are looking to consolidate their debt. It can help streamline the repayment process and make it easier to manage your credit card debt together. However, if your credit score is below 650, Credit9 won’t be able to provide you with a loan, and so it won’t be able to help with debt consolidation loan you. Ultimately, whether Credit9 will hurt your credit depends on your current credit score and specific financial situation.

What is an unsecured personal loan?

Unsecured personal loans are a great option for those who don’t have assets to use as collateral. Interest rates depend on credit history and market rates, and they usually have higher interest rates than secured business loans, for example, but they don’t require any security or money or deposits or risk to your assets.

What is a debt consolidation loan?

Debt can be a heavy financial burden, especially when multiple high-interest debts are involved. Debt consolidation can be a useful solution in this situation, as it combines all of your debts into one payment. This payment is often at a lower interest rate than the original debts, making it easier to manage and ultimately pay off the debt. Debt consolidation is a great way to get your finances back on track and to make sure you are no longer burdened by debt.

In Conclusion, Is Credit9 Lending Legit?

Credit 9 Lending is a company that offers unsecured personal loans in 18 states with an A+ rating from the BBB, though customer reviews online are mixed. Before taking out a loan, consider the types, interest rates, and repayment plans available. Reviews from customers can help determine if the loan is a good choice. Share any experiences with Credit 9 Lending in the comments below to help others.

We are interested to know if you have had any dealings with Kindly let us know in the comments section – your story may be of great help for others considering to use this company’s services.

Leave a Reply

Your email address will not be published. Required fields are marked *