Together Loans

Review by eFreeware

Together Loans is most likely to appeal to borrowers who have been turned down by a bank but can still manage a monthly payment. That is the group the developer, Transform Credit Inc, is writing for: people whose credit history has held them back rather than their ability to repay. If that describes your situation, this app is where the whole relationship with the lender is meant to live.

What you get is a free Android app in the Finance category that covers the main jobs of a loan in one place: applying, viewing the loan, reaching a statement, making payments and getting help. The developer frames the product as a different kind of lender, one that decides on trust rather than a traditional credit check. The app itself carries no ads and no in-app purchases, so there is nothing to buy inside it beyond the loan you agree to.

It has been installed more than 100,000 times and holds a 3.9 average from around 700 ratings, which suggests a settled product rather than a brand-new experiment. It first appeared in April 2024 and was last updated in October 2026. Those numbers tell you the app has a real user base; they don't tell you how any individual application will go, since every loan depends on approval.

Applying without a traditional credit check

The central idea here is that the decision is not built on how you have handled money in the past. The developer says the loans rest on trust instead, which is a meaningful difference from the usual process of a bank pulling your history and scoring you on it. For someone with a thin or damaged file, that shift is the whole reason to look at this app at all.

You can apply from inside the app rather than through a branch visit or a paper form. The developer describes the loan as fair, simple and transparent, and pitches the whole company as a fresh approach to lending. I would treat the tone as marketing and focus on the concrete part: an application you can start on your phone, with the terms set out before you commit.

The terms are worth reading closely because they are not small. The representative example is $3,000 borrowed over 24 months at $177.13 a month, which comes to $4,251.12 repaid in total, at 35.99% APR. Terms range from 24 to 60 months, with no added fees. Available amounts and rates vary by state, and every loan is subject to credit and underwriting approval.

Keeping track of the loan once it is running

After the money is out, the app is meant to be the place you check in. You can view the loan in detail, pull up your statement without hunting through email, and make payments directly in the app. Payments are handled inside the app, which is the least you would want from anything tied to a monthly obligation.

There is also a Top Up and Borrow More option, so the app is not only for the original agreement. That suits borrowers whose circumstances change and who would rather adjust what they owe than take on a second loan. Anything you borrow on top goes through the same approval process, since every loan is subject to underwriting.

The practical value of a single dashboard is that a repayment date is harder to forget when the balance, the statement and the payment button sit together. Anyone who has juggled a loan serviced through a website, a phone line and a paper statement will see the appeal. The app is free, so there is no cost to using it as your main point of contact with the lender.

Getting help without leaving the app

Support is built into the app. Help with your loan is available in real time, and the most recent update added a chat feature so you can talk to the company directly from inside the app. For a question about a payment or a statement, that is a shorter path than waiting on hold.

The chat is described as secure and real-time, which fits the kind of information you would be sharing: balances, dates and repayment details. I would expect this to be the first place to look when something about your account does not match what you expected. It also means the app is not just a repayment tool but the front door to the lender's service.

The cost of the relationship is the loan itself, on the terms in your agreement, not anything you spend inside the app.

What the app needs from you before you start

You install the app and apply for a loan through it. The app itself is free to download. What you are really preparing for is the application and the approval that follows it.

That approval is the gate. Every loan goes through credit and underwriting approval, and the amounts and rates you see depend on your state. The loan behind it is not automatic, and the terms you are offered may differ from the representative example.

The example figures are a useful benchmark rather than a quote: $3,000 over 24 months, $177.13 a month, $4,251.12 in total, 35.99% APR. It is worth working out what a monthly payment at that level would do to your budget before you apply, because the commitment lasts at least two years.

Who this lender app fits

The clearest fit is someone who has been refused by a bank, can afford a monthly payment, and wants the whole loan handled from their phone. The developer's pitch is aimed at exactly that borrower, and the app's features line up with it: apply, view, pay, get help, borrow more. If you are in that position, the trust-based approach is the reason to consider this over a conventional lender.

It also suits borrowers who prefer to see their own numbers. Having the balance and the payment button in one place makes it easier to stay on top of a long repayment. The in-app chat adds a route to ask questions.

It is a narrower proposition for anyone who does not need to borrow. The app is built around a loan, so its value depends on having one or applying for one. The rate in the example is also high by any standard, and the term runs for years, which is the trade-off for borrowing without a traditional credit check. The figures are there for you to judge for yourself.

A workable option for borrowers banks have passed over

Together Loans does one job and does it in one place: it lets you apply for a trust-based loan, watch it, pay it and ask for help without leaving the app. The free download, the absence of ads and the lack of in-app purchases keep the app itself out of the way of the loan. The 3.9 average from roughly 700 ratings points to a product with a substantial user base and a mixed but generally positive reception.

The trade-offs are in the terms rather than the software. A 35.99% APR on the representative example is expensive money, the shortest term is 24 months, and every loan still goes through underwriting, with amounts and rates varying by state. None of that is hidden, but it deserves more of your attention than the app's interface does.

I would point this at borrowers who have been turned down elsewhere, can genuinely carry a monthly payment, and want their loan managed from a phone. If you are in that group, the app covers the practical side well and the chat keeps support close. If you are not looking to borrow, there is little here for you.

What's new in version 9.2.1

You can now chat with us directly in the app! Get secure, real-time support for your loan without ever leaving the app.