Fortiva Personal Loans Reviews
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About Fortiva Personal Loans
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Fortiva is a financial services company that focuses on non-prime borrowers who may have trouble qualifying with traditional lenders due to poor credit. Since it reports your account history to the 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.
- Works with borrowers with poor or limited credit
- Doesn’t disclose APR range or loan terms
- No public eligibility requirements listed
Our editor’s take
In a world where those with damaged or thin credit have few lending options, Fortiva may offer one that helps them meet their needs. However, because it provides very little public information about its personal loan APRs, terms, fees or qualification criteria on its website, it’s difficult for consumers to compare a Fortiva offer with other lenders before applying.
Fortiva personal loan products
At this time, Fortiva doesn’t disclose its loan amounts or loan terms on its website. Instead, personal loan offers are individualized and sent to specific consumers.
Fortiva personal loan rates
Fortiva does not publish a general APR range or typical interest rate for its personal loans. Instead, rates are disclosed in individual loan offers and agreements and are based on factors like your credit profile, income, existing debt and the type of product for which you’re approved.
Fortiva personal loan fees
Unfortunately, Fortiva doesn’t disclose whether or not its personal loans charge origination fees, prepayment penalties or other loan-specific fees. Any applicable fees should appear in your Truth in Lending disclosures and loan agreement.
How to apply for a Fortiva personal loan
Fortiva advertises a “fast and easy process” for getting a personal loan. However, it doesn’t offer any step‑by‑step application information online.
Typical 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
FAQ
What is Fortiva?
Fortiva is a financial services company that offers credit products — including credit cards, retail financing and some personal loans — to borrowers with poor credit and other financing barriers.
Can I get a Fortiva personal loan with bad credit?
Fortiva doesn’t offer its preferred personal loan range for borrowers. However, it markets itself to borrowers with bad credit, making them more likely to be eligible for a loan.
Does Fortiva offer other banking products?
Yes. In addition to its personal loans, Fortiva offers a credit card and a revolving line of retail credit.
Still have questions?
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