Clicky offer personal loans and debt relief options that may work for you. They are part of the new wave of debt consolidation companies that are targeting American consumers. People nationwide could consolidate debt with Credit9 personal loans at lower rates than credit cards. They advertise their services and receive referral fees from them on 3 different websites:


They often also use the name Credit 9 Lending. Their BBB in debt consolidation reviews rating is A+ and they’re a Delaware Limited Liability Company. 

Credit9: What Is It?

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Based in Irvine, CA, Credit9 is a financial company that offers loans, debt consolidation, and credit solutions to individuals and businesses. is affiliated with Americor and Fast Loans Funding. The company can contact (800) 291-0172 for more information. Cross River Bank makes all loans through Credit9 LLC. Also, advertisers pay them a referral fee

Credit9 was founded in 2021 and is a lender that offers loans to consumers and businesses. The company is based in Delaware and is licensed by the DFPI (Department of Financial Protection and Innovation LLC CA CFL 60DBO-83965). Credit9 has an A+ rating with the Better Business Bureau BBB. As of September 5, 2022, the company had 36 complaints filed against it and 1,413 customer reviews.

Company Overview

Offers like the ones from can be tempting, and you may think they have great customer service but it’s important to read the small print before making any decisions. In this case, the terms of the loan are not as favorable as they initially seem.

The loan amount offered is $73,426, but the average pre-approved interest rate is 5.99%. That’s not as low as it could be, and taking out a loan at that rate may not make sense. Additionally, the offer includes a personalized reservation code. This code could track your activity and target you for future marketing efforts.

Before making any decisions about personal loans and debt consolidation be sure to research and understand all of the terms and conditions. Don’t let a seemingly good offer blind you to the potential downside of taking out a loan.

Different states have different laws regarding lending, and Credit9 is licensed to lend in many states. However, some of their rates are higher than average, so it’s important to read all of the fine print before taking out a debt consolidation loan with them.

For example, a personal loan of $4300 could have an Annual Percentage Rate (APR) of 24%. This would result in monthly payments of $191. However, depending on your credit score and state, your loan amount, term, and APR could vary.

So be sure to research before taking out an actual loan with Credit9 or any other lender. Fees Involved

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Loans advertised as having low-interest rates may have much higher rates once fees are considered. The typical APR for these loans goes from 18% to 24%, and they often come with an origination fee. Loans above $35,000 may be sent to other lenders, who may offer lower interest rates. As with any loan, there are common fees such as high interest debt, origination, late Payment, and early payoff penalties. There may be a difference in approval and loan terms based on credit determination and state law. Make sure you can afford the monthly payment before you take out a loan If you’re looking for debt relief.

How do they work?

You can consolidate debt with Credit9 and lower your monthly payments without settling for less in a timely manner. When considering an loan, it’s important to remember that the amount you can borrow, as well as the interest rate and repayment terms, will all be determined by your credit score and the state’s laws you live in. In general, states have different minimum loan amounts. Here’s one example:

  • Loan Amount: $4300.00
  • Annual Percentage Rate: 24.00%
  • Number of Payments: 30
  • Monthly Payment: $191.99

The approval process may take a bit longer than usual if they require additional documents from you.

Qualifying Process

To take out a personal loan from, you must meet the following qualifications: You must be at least 18 years old, a United States citizen or permanent resident, meet the minimum debt, have a regular source of income, have good credit and have a checking or savings account in your name. Additionally, you will need a valid email address and phone number. As long as you can meet all of these requirements, you should be able to apply for and receive a personal loan from BBB Reviews

Credit9 has had 36 complaints closed in the last three years, 8 of which were closed in the last 12 months. Most of these complaints revolve around problems with product/service and billing and collection issues, others were about great customer service. Credit9 is accredited by the Better Business Bureau (BBB), and they have an A+ rating and an excellent score with Trustpilot.

Read the user review before you take out a loan. It’s important to make sure you can afford it before taking out a loan.

Here are some Credit9 BBB customer reviews:

Paula 04/01/2022

I find that the program puts clients in a very awkward position. Clients are told that ******** communicates with creditors. But fail to say they communicate with them only during negotiation. The client is told to have minimal communication with creditors. Then you start to get threats of having to go to court.

Krysta J 08/30/2022


I’m always been pleased with my experiences with Credit9! I’ve been paying my loan off since December 2021, and every time I call or request information, the representatives I speak with are informative, polite, and helpful – especially *************************. I’m happy I went this route, and I look forward to being debt free soon!

Christopher R 03/17/2022

Annoying and pushy. They called today, offering their services with the usual pitch. For the past few months, I have received multiple calls a week and sometimes even multiple in a day When I told them that I was not interested, they pushed again that they weren’t trying to sell me anything and wanted to transfer me to a “specialist”. I advised again that I was simply not interested in doing so, to which their response was to simply hang up on me after that. Checked their site as well as the parent companies, but I was not able to find any *** links or forms to fill out. Kinda sketchy to me that they don’t have a *** page or information. I’m also on the *** national registry and have never worked with them before.

Deborah T 08/30/2022


These folks have been great to work with. They really want to help and are flexible when needed. I would definitely recommend them. ********** was especially helpful when I needed assistance. Quick and knowledgeable.

Ian f 03/17/2022

Have made multiple payment issues with interest being charged to my additional payments, which they shouldn’t have per loan contract. Refuse to fix errors.

What are the differences between secured and unsecured loans?


There are two main types of loans: secured and unsecured. A secured loan is one that requires collateral, such as a home or car. This means that the lender can take your asset away from you if you default on the loan. An unsecured loan, also known as a signature loan, does not require any collateral. This means that the lender cannot take your home or car away from you even if you default on the loan.

There are a few things to consider before taking out a personal loan, such as whether you want a secured or unsecured loan. Your credit score and debt-to-income ratio will affect what kind of loan terms you can get and at what interest rate. It’s important to compare rates from different lenders to see who can offer you the best deal. The minimum loan amounts vary from state to state.

With a secured loan, the lender requires collateral, which mitigates their risk. For example, they may require your car as collateral, so losing it would also mean losing your income. This option may be good for borrowers with bad credit who can’t get an unsecured loan.

Debt management and planning will be easier if you understand how it affects different stages of your life. It’s up to you to decide whether taking out a personal loan is the right choice. You can save more money for retirement if you pay off high-interest debt as quickly as you can. Be sure to research and compare rates from different lenders before making a decision.

How does Credit 9 affect your credit?

The first step to getting a loan is understanding the process and how your credit score might be affected. Most lenders will start with a soft credit check to see what rates you might qualify for. If you apply for a loan, the lender will run a hard credit check to see your full credit history and offer you a final rate.

In the fine print, Credit9 says “Checking your rate generates a soft inquiry on your credit report, which is visible only to you and has no impact on credit score. Credit9 may perform a hard inquiry that could affect your credit score when you submit an application for credit.” Depending on the credit determination and state laws, the loan term, ammount, and APR of a customer may differ.

Is The Company Legit? 

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Have you had any experience with Many people have had great experiences with the company, while others have claimed it to be a scam.

However, the company is legitimate and claims to help many people get the financial assistance they need. The actual loan amount, term, and APR amount of a loan that a customer qualifies for may vary based on credit determination and state law. Lastly, Credit 9 has a reputation for charging hidden fees and penalties, so make sure to read the details before applying.

Share your experience in the comments!

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Loans advertised as having low-interest rates may have much higher rates once fees are considered. The typical APR for these loans ranges from 18% to 24%, and they often come with an origination fee. Loans above $35,000 may be sent to other lenders, who may offer lower interest rates. As with any loan, there are common fees such as interest, origination, late Payment, and early payoff penalties.

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