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About Fortiva Personal Loans
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Fortiva is a financial services company that says it aims to help people who don’t qualify for other lenders' loans due to poor credit. Since Fortiva reports your payments to all three major credit bureaus, a loan from Fortiva could help you improve your credit over time. On top of personal loans, Fortiva also offers credit cards and revolving lines of credit.
Pros & Cons
Pros
- Works with borrowers with bad credit
Cons
- Doesn’t disclose APR range or loan terms
- Doesn’t disclose eligibility requirements
Bottom Line
While Fortiva offers personal loans for people who can’t qualify with other lenders, its lack of transparency regarding fees, terms and loan amounts makes it difficult to compare with other lenders that work with borrowers with bad or no credit.
Our editor’s take
In a world where those with bad credit have few lending options, Fortiva provides one that can help them meet their needs. However, it does itself a great disservice by offering little information about its personal loans on its website. This makes it difficult for borrowers to compare Fortiva against other lenders and leaves those who don’t have other options clueless about what to expect.
Fortiva personal loan products
Fortiva offers one personal loan option, which it says can be funded in as little as two business days. However, at this time, Fortiva doesn’t disclose its loan amounts or loan terms on its website.
Fortiva personal loan rates
Fortiva doesn’t disclose its personal loan rates publicly. To find out what rate you can expect, you’ll need to contact a Fortiva representative and discuss your options.
Fortiva personal loan fees
Unfortunately, Fortiva doesn’t disclose whether or not it charges fees for its personal loans.
How to apply for a Fortiva personal loan
Fortiva advertises a “fast and easy process” when it comes to getting a personal loan. However, it doesn’t offer any information about its application.
Typically, personal loan applications are simple but require you to provide personal and financial information, including:
- Proof of employment
- Proof of income
- Your Social Security number
- Your birth date
- Your citizenship status
- Your monthly and yearly income
If you decide to apply for a Fortiva personal loan and get approved, Fortiva says you can receive your money in two business days or less.
Fortiva FAQs
What is Fortiva?
Fortiva is a financial services company that works with borrowers with poor credit and other financing barriers. Fortiva offers its customers a small catalog of products but 24/7 account access.
Can I get a Fortiva personal loan with bad credit?
Fortiva doesn’t offer up its preferred personal loan range for borrowers. However, it does market itself toward borrowers with bad credit, making it more likely that borrowers with poor credit will be eligible for a loan.
Does Fortiva offer other banking products?
In addition to its personal loans, Fortiva offers a credit card and a revolving line of retail credit.
Is Fortiva legit?
Although Fortiva discloses very little information about its products, it is a legitimate company. Fortiva’s personal loans are issued by The Bank of Missouri, which is FDIC-insured. That said, The Bank of Missouri’s BBB accreditation was revoked in 2022.
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Fortiva Personal Loans Company Information
- Company Name:
- Fortiva
- Website:
- www.myfortiva.com
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