Credit9

Credit9: personal loans to consolidate credit card debt in the United States

Credit9, LLC is an entity based in Irvine, California, that offers personal loans intended to consolidate credit card debt. According to its own presentation, the loans are structured with a single, fixed, and affordable monthly payment, with rates lower than those of credit cards and terms of just a few years. The company states that it serves customers nationwide.

Product and loan terms

The loan is marketed as a way to pay off credit cards and achieve debt freedom. The company states that it does not charge application or prepayment fees. The site shows a representative example: a $4,300 loan with an annual percentage rate (APR) of 24.00%, 30 payments, and a monthly payment of $191.99. The minimum loan amount varies by state.

Loans available through Credit9, LLC are made under Delaware law by Cross River Bank, Delaware Branch, Member FDIC, Equal Housing Lender. The approval process may take longer if additional documents are requested, and final terms depend on credit determination and state law.

Three-step application process

The company describes a three-step procedure: check rates in about a minute, accept the terms online via e-signature if the application is approved, and receive the money the next business day. Funds are generally deposited via ACH for delivery the next business day if approved by 4:30 p.m. CT Monday through Friday. Checking your rate does not affect your credit score, according to the company.

Profiles and types of debt covered

Credit9 directs its consolidation options to various groups and situations: businesses, unemployed individuals, seniors, married couples, veterans, nurses, and teachers, among others. As for the types of debt that can be consolidated, the site mentions credit card debt, medical bills, student loans, tax debt, payday loans, auto loans, installment loans, and collections. It also refers to people with a high debt-to-income ratio and those with low incomes.

Customer service and availability

The company states that it offers phone support seven days a week and provides the option to speak with a representative in Spanish. The published hours are Monday through Friday from 6:00 a.m. to 6:00 p.m. Pacific Time; it is closed on Saturdays and Sundays, and hours may vary on holidays. Credit9 states that it is not a credit repair service and does not guarantee an increase in credit score, as the impact depends on factors such as payment history, outstanding debt, length of credit history, credit mix, credit utilization, and recent credit lines.

Ratings and presence

The site shows a rating of 4.8 out of 5 based on 2,794 reviews, and includes customer testimonials that highlight the simplicity of the process, the timeliness of payments, and the service received. The company also mentions an A+ business rating.

Location and contact

18200 Von Karman Ave, Suite 500, Irvine, CA, 92612 · Phone: 888-374-8778 · Hours: Monday – Friday: 6am to 6pm PT; Saturday – Sunday: Closed