Personify is best for people with poor credit who have exhausted other borrowing options. Borrowers who want their money quickly may also like Personify, as it funds loans within one business day.  Remember that if you have a low credit score you may have to pay very high interest rates that could add hundreds or thousands of dollars to the cost of your loan. If you have a good credit score, you can likely get better terms from a lender other than Personify.