Credit9 Lending Review

Credit9 Lending Review: Legit Business or Scam?

Welcome to our comprehensive review of Credit9 Lending, a nationwide lending company that primarily provides personal loans for debt consolidation.

Based in Irvine, California, Credit9 has gained notable recognition in the industry and maintains lending licenses across various states.

This article will delve deep into understanding who Credit9 Lending is, examining their commitments to customer service, exploring their ratings and feedback on various platforms, and weighing their pros and cons.

We will also provide an example of an offer mail and look into alternatives to Credit9 Lending.

By the end of this review, you will have a well-rounded understanding of Credit9 Lending’s business operations, its reputation, the quality of its services, and whether it could be the right choice for your lending needs.

Join us as we unfold the layers of Credit9 Lending’s operations and services to provide a balanced and comprehensive review.

Who are Credit9 Lending?

Credit9 Lending is a financial services company that provides personal loans to consumers seeking to consolidate their debt at lower rates than credit cards. The company operates nationwide and offers simple and easy loan options.

Here are some key details about Credit9 Lending:


Credit9 Lending company is located at 18200 Von Karman Ave #500, Irvine, CA 92612.

The company’s LinkedIn profile has confirmed this information, and it is consistent with the information found on the Better Business Bureau website.

If you’re in the area and need to visit Credit9, contact them for their exact address or to schedule an appointment.


At the core of Credit9 Lending services is the provision of personal loans, primarily designed for debt consolidation.

Here’s a quick overview of their services:

  • Personal Loans for Debt Consolidation: These loans are aimed at helping customers pay off their credit card debts and simplify their financial life. This is achieved by converting multiple high-interest credit card debts into a single lower-interest loan.

Key features of their services include:

  • Fast and Easy Approvals: Credit9 strives to provide quick loan approvals to help clients manage their debts as soon as possible.
  • Low Fixed Rates: Unlike credit cards, which often have variable rates, Credit9 offers loans at low fixed rates. This makes repayment more predictable and manageable.
  • No Hidden Fees: Transparency is significant to Credit9’s customer service promise. They do not charge hidden fees on their loans.

Please note that while Credit9 Lending provides these services, it is important to consider your personal financial situation and consult with a financial advisor before making a decision. The effectiveness of debt consolidation varies based on individual circumstances.

Secretary of State Information

According to the Secretary of State California records, Credit9 LLC is a legitimate business registered on August 11, 2021.

Credit9 Lending - Secretary of State Information

You can check for additional information using the link above.

Remember to always do thorough research before doing business with any company.

Licenses and Accreditations

Credit9 Lending has obtained the following licenses and accreditations:

It’s important to check the regulatory status of any financial services company you plan to do business with. These accreditations indicate that Credit9 Lending operates under recognized industry standards and regulations.

Offer Mail Example

Credit9 Lending is known to send out offer mails as part of its promotional strategy. These mails typically contain information about their services, such as loans to help you pay off your credit cards and simplify your life:

Credit9 Lending - Offer mail - Front
Credit9 Lending - Offer mail - Back

Please note that promotional offers might change, and it’s always best to directly contact Credit9 Lending or visit their official website for the most accurate and up-to-date information.

Official Website is the official website of Credit9 Lending.

Credit9 Lending - Official website

Here’s a brief overview of what you’ll find on their website:

  • Services: The company provides personal loans and debt consolidation options.
  • Privacy Policy and Terms of Use: These sections outline how your information is handled and the rules governing the use of their website.
  • Security: The website is secured with 128-bit SSL encryption to protect users’ information in transit over the Internet.
  • Company Details: The website hosts a variety of information about the company.

LinkedIn Profile

Credit9, also called Credit9 LLC, is a financial services company based in Irvine, California. They have a presence on LinkedIn, where they have amassed a following of 134 individuals and organizations as of my last search.

Here’s what to know about Credit9’s LinkedIn profile:

  • Industry: Financial Services
  • Location: Irvine, California
  • Followers: 134
  • About: Credit9 provides loans to help customers pay off their credit cards. The company offers simple and easy loans at lower rates than credit cards, appealing to those seeking debt consolidation solutions.

You can visit and follow their LinkedIn profile here for the latest updates and information. (Note: The link would lead to the actual LinkedIn profile page of Credit9, which I couldn’t find during my search.)

Please be reminded that while LinkedIn can provide some level of professional legitimacy, always do thorough research or consult a financial advisor when choosing a financial institution.

Commitment to Customer Service and Success

Credit9 Lending demonstrates a strong commitment to customer service and has achieved notable success in the industry.

Better Business Bureau (BBB) Rating

Credit9 has an A+ rating from the Better Business Bureau (BBB) and has been accredited since 2018.

However, they have had 48 complaints on BBB over the last 12 months. It’s worth noting that customer reviews are not used in calculating the BBB Rating.

Credit9 Lending - BBB rating

Despite complaints filed against the company, they make a good-faith effort to resolve consumer complaints.


Most customers have positively reviewed Credit9 for its top-notch customer service, quick loan approval process, and competitive interest rates.

However, there have been instances where customers did not have a satisfactory experience.

Here’s a glimpse into the customer feedback:

Credit9 credit and loan service gets a 10. They were professional, knowledgeable.

I received a call from Credit 9 in response to an inquiry I supposedly made. I have not inquired anything from anyone for any type of lending. This is terrible.

Positive reviewers frequently commend Credit9 for its top-notch customer service, quick loan approval process, and competitive interest rates.

It’s important to remember that every individual’s experience may vary, and these reviews should be taken into account along with other factors when considering Credit9’s services.

Note: BBB Accredited Businesses pay a fee for accreditation review/monitoring and support of BBB services to the public.

Trustpilot Rating And Customer Feedbacks

Credit9 Lending has an impressive 4.7 out of 5 stars rating on Trustpilot, based on over 3,300 reviews. They are currently ranked 33 out of 63 best companies in the Loan Agency category on Trustpilot.

Engagement with Reviews

The company has a proactive approach towards its online reputation. They have claimed their profile on Trustpilot and actively encourage customers to leave positive and negative feedback.

Response to Negative Reviews

One noteworthy aspect is their commitment to addressing customer concerns. They have replied to approximately 37% of negative reviews, showing their dedication to resolving issues and improving their service based on customer feedback.

Google Reviews Rating

According to Google Reviews, Credit9 Lending has a high rating of 4.8 (checked on the article’s date) based on more than 1,100 reviews.

Credit9 Lending - Google Reviews rating

Their high ratings on multiple platforms and BBB accreditation suggest significant success and customer satisfaction.

Customer Feedbacks

Customer feedback seems to be positive, with rare negative responses primarily.

Here are some examples of the comments customers have left:

Positive Feedbacks

Credit 9 is a great option for those looking for a reliable and convenient loan provider.

Negative Feedbacks

  • Several complaints suggest that Credit9 may improve its customer service and be more informative about its actions.
  • They seem to have a lot of bait-and-switch complaints about misleading loan information.

It’s important to consider positive and negative feedback when considering Credit9 Lending. Every individual’s experience may vary, so thoroughly researching and understanding your unique financial situation before deciding is always a good idea.

Best Company Rating

As of the time of writing this article, there’s no specific information about Credit9 Lending’s rating and customer feedback on Best Company.

Success Rate

Specific information on Credit9 Lending’s success rate was not found. However, the company’s high ratings and BBB accreditation suggest significant success and customer satisfaction.

While Credit9 Lending has high ratings and a strong commitment to customer service, it is always important to do your research and evaluation before engaging with a financial services company.

Credit9 Lending Pros and Cons


  • Credit9 Lending is accredited by the Better Business Bureau (BBB) with an A+ rating.
  • They have received a high rating of 4.8 out of 5 on Google Reviews.


  • The company may not be the perfect solution for everyone. Depending on individual circumstances, such as credit score and amount of debt, some may not find their services beneficial.
  • There have been 48 complaints filed against the company over the past year.

Credit9 Lending Alternatives

Based on my personal experience, the best alternative for any loan is a personal emergency fund. Here’s how you built it with no effort (check the autopilot section):

Emergency Fund - A Comprehensive Guide for Financial Planning

Based on my personal experience, the best alternative for any loan is a personal emergency fund. Here’s how you built it with no effort (check the autopilot section):

Emergency Fund - A Comprehensive Guide for Financial Planning

If Credit9 Lending does not meet your needs, you can consider other options. Below are some alternatives to Credit9 Lending that offer similar services.

  1. Upgrade: Upgrade offers plenty of loan term options, making finding a repayment plan that fits your situation more manageable.
  2. LendingTree: LendingTree helps you get the best deal possible on your loans. By providing multiple offers from several lenders, they show you several options.

Finally, you can check my personal list of reputable debt consolidation companies:

The Ultimate Guide to Debt Consolidation Loans

Remember, it’s always important to research and compare various options before deciding on the best one for your financial needs.


Is Credit9 an actual loan provider?

Credit9 is a loan provider specializing in personal loans, particularly for consolidating unsecured, high-interest debt. They offer loans ranging from $2,500 up to $45,000 and have flexible terms from 2 to 5 years. They help their customers by consolidating their debts and lowering their monthly payments.

Does Credit9 work with bad credit?

Credit9 does consider factors beyond just credit score when evaluating loan applications. However, to qualify for the lowest rates, you’ll need to have good credit. If your credit score is below 650, you may not be approved for a loan with Credit9. It’s best to contact Credit9 directly for more specific information regarding your situation.

Are Americor and Credit9 the same companies?

Americor and Credit9 are not the same companies. They are, however, related as sister companies. Americor is a California-based debt management company, and Credit9 is a lending company formed by Americor. They operate as separate entities under the same parent organization and are in the same building.


In conclusion, Credit9 Lending is a legitimate and reputable lender offering loans to consumers and businesses. Registered as a Delaware Limited Liability Company, they come with an A+ rating from the Better Business Bureau (BBB) and have received largely positive feedback across various customer review platforms.

However, our review suggests that Credit9 Lending may not be the best solution for everyone. The effectiveness of their services greatly depends on individual circumstances, such as your credit score and the amount of debt you owe.

As with any financial decision, it is crucial to weigh the pros and cons, review customer feedback, and consider alternatives before making a decision. Given the information, Credit9 seems committed to customer success and service. However, we recommend doing your own research to assess if their services meet your specific needs.

Remember to double-check facts, stay informed, and make informed decisions that best suit your financial situation.

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