Verge Credit powered by Stride Bank

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Personal loans up to $5,000

Say goodbye
to hidden FEES.

Transparency is the name of the game. No hidden fees. No surprises. We'll always be upfront with exactly what you're paying.

  • No origination fees.
  • No pre-payment fees.
  • No late fees.

Curious about how it all works? Learn more about the personal loans process.

Our Customers love us.

"Thank you very much for your financial assistance. I will keep you in mind if and when I need another loan."

Jeanette S. of MI

Actual Customer Testimonials

Let's get personal.

Every person is unique. And so is their financial situation. That’s why we believe in a loan that is personalized to you and your situation. Once you’ve completed the simple online application, we’ll let you know if you’re qualified for a loan and present personalized options, just for you. Down to every last detail of the loan—from the amount to the term and the payments.

Take control of your credit score.

Life happens, and sometimes your credit takes a hit. So take advantage of all that your loan has to offer. Verge Credit and Stride Bank report payment history to the main credit bureaus, so making on-time payments could help positively impact your credit score.*

Why Verge Credit?

  1. 57% of Americans have less than $1,000 in savings.1
  2. 39% of Americans have ZERO savings.1
  3. 53% of Americans have been turned down for a credit card or loan due to poor credit.2
  4. 17,000% APR is typical for bank overdraft fees.3

Whether you’re dealing with the past or planning for the future or something in-between, a personal loan could help you achieve your financial goals. You’re on the verge of something great. Don’t let a little financial situation get in the way.

Read more about how much money Americans have in their savings accounts from CNBC, how many people are turned down due to bad credit from PR Newswire, and expensive bank overdraft fees from the Consumer Financial Protection Bureau.

1 Elkins, K. (2017, September 13). Here’s how much money Americans have in their savings accounts. Retrieved from: https://www.cnbc.com/2017/09/13/how-much-americans-at-have-in-their-savings-accounts.html.

2 Staff. (2019, November 14). 53% of Americans Turned Down Due to Bad Credit. Retrieved from: https://www.prnewswire.com/news-releases/53-of-americans-turned-down-due-to-bad-credit-300956979.html.

3 Staff. (2014, July 31). CFPB Finds Small Debit Purchases Lead to Expensive Overdraft Charges. Retrieved from: https://www.consumerfinance.gov/about-us/newsroom/cfpb-finds-small-debit-purchases-lead-to-expensive-overdraft-charges/.

How to get
a personal loan:

  1. Apply 100% online.
  2. If approved,
    choose from your personalized offers.
  3. Receive funds as soon as the next business day!
Get Started

We’re here for you.

You’re on the verge of something great. Call 1-866-299-8743 to find out what you can accomplish with a personal loan!

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Get to Know Us
  • About Us
  • Personal Loans
We're Here to Help
Connect with Us
  • 1-866-299-8743
  • Mon - Fri: 8:00am - 7:00pm CT
  • 3527 N Ridge Rd. Wichita, KS 67205

© 2021 Verge Credit. All Rights Reserved.

*Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Lending decisions subject to eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision.

NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3450, Houston, TX 77010-9050.

Loans are underwritten and originated in Salt Lake City, UT by Stride Bank, N.A., member FDIC, and serviced by Verge Credit. Stride Bank 331 S. Rio Grande St., Ste. 307Salt Lake City, UT 84101

Verge Credit may make phone calls or deliver SMS text messages to your phone number based on your account settings. To view details, please refer to the Phone Terms of Use and the SMS Terms of Use.