Verge Credit powered by Stride Bank

Borrow with confidence.

Cancel for free.

5 Day Risk-Free Guarantee

Cancel your loan within 5 calendar days.

Return borrowed funds.

Pay $0 in interest and fees.

No questions asked.

Borrow with confidence.

Cancel for free.

5 Day Risk-Free Guarantee

Cancel your loan within 5 calendar days.

Return borrowed funds.

Pay $0 in interest and fees.

No questions asked.

100% Customer satisfaction

Having second thoughts, or no longer need your loan? Don’t panic. We want to ensure your financial success and loan satisfaction, even if that means cancelling your loan. Just call us and we’ll help you through it. Hey if you’re not happy, we’re not happy.

No explanation necessary

This is not a ‘my-dog-ate-my-homework’ situation. Personal loans are…well…personal. So while we do our best to make you happy, if you no longer want your loan for whatever reason, we don’t make you invent excuses to get out of it.

Free to flex

Sudden financial needs sometimes call for flexibility, and we want to flex with you. That means that if you want to cancel your loan, you won’t be charged any interest or fees. Simply return the borrowed funds within the first 5 calendar days after signing your loan docs.

Protection from fraud

Business or personal loans were two of the top types of identity theft in 2019—over 43,000 cases were reported, according to the Insurance Information Institute. So while we do our best to protect you from fraud, stuff can happen. Just in case someone opens a loan with us using your information and without your consent, we’ll be here to help get you out of it. Quickly and hassle-free.

Ready to try out a personal loan?

Get Started

What are my responsibilities under the risk-free guarantee?

Stay safe

Keep your loan and bank account information private. Giving your login info to a person or 3rd party authorizes them to use your account.

Be timely

Call us within 5 calendar days of your loan origination (aka, when you sign your loan docs) and ask to cancel your loan.

Pay back

Return your borrowed funds. We can debit your bank account on file so you don’t need to worry about mailing a check.

Rethinking things and want to cancel your loan?

Contact Us
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  • 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

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*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.