State Disclosures

Last updated October 22, 2026

General

Lending laws, rate caps and licensing requirements differ by state. Offers from lenders in our network comply with the laws of your state of residence. Personify Financial lends in 27 states; see states.

California

Personify Financial does not currently lend in California. Lenders in our network that serve California are licensed under the California Financing Law. California residents have rights under the CCPA/CPRA; see our Privacy Policy for how to opt out of sale/sharing.

New York

Personify Financial does not lend in New York. New York law caps consumer loan interest at 16% (civil usury) and 25% (criminal usury); offers to New York residents reflect those limits.

Texas

Loans at Personify's APR range are available to Texas residents. Texas residents may contact the Office of Consumer Credit Commissioner, 2601 N. Lamar Blvd, Austin, TX 78705, (800) 538-1579, with complaints about licensed lenders.

Georgia

Personify loans in Georgia are made by ADF of Georgia, LLC under a Georgia Installment Lender licence, with amounts of $3,100 to $10,000.

New Mexico and South Carolina

Personify Financial no longer makes new loans in these states. Existing borrowers should contact Personify Complaints, PO Box 208417, Dallas, TX 75320-8417, (866) 578-9546, or [email protected]. New Mexico residents may also contact the New Mexico Regulation and Licensing Department, Financial Institutions Division, (505) 476-4885.

Wisconsin

Personify caps its origination fee in Wisconsin at 5% of the amount financed or $175, whichever is lower.

Washington, Pennsylvania, Illinois and other excluded states

Personify does not lend in these states. Requests from residents are matched only with lenders licensed or permitted to lend there.

Military borrowers

Under the Military Lending Act, active-duty service members and their dependents cannot be charged more than 36% Military APR on most consumer loans. Lenders will ask about military status.