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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Apply for a GoHenry's loan


How to apply

Primary account holders should meet the following requirements to sign up for GoHenry:

  • You must be at least 18 years old;

  • US citizen or permanent resident;

  • Subaccounts are available for children aged 6 to 18.

Application details

GoHenry is available between 9 AM and 5 PM ET, seven days a week. It only takes a few minutes to sign up. They will send your kids' cards to you in 5–7 business days. GoHenry cannot search your relevant details online if you are not listed on public record databases. If this occurs, they will request that you contact them with either your full driving license or two of the following documents:

  • British passport;

  • Current-year council tax bill;

  • Bank statement from the previous three months;

  • Utility bill (gas, water, or electricity) from the last three months;

  • Landline phone bill from the previous three months;

  • Mortgage statement from the last three months;

  • Letters of benefit (child credits, tax credits, universal credit) from the last three months;

  • HMRC letter from the last three months;

  • DWP letter from the last three months.


How old do you have to be to have a GoHenry card?

GoHenry has raised $40 million. The company gives kids between 6 and 18 a pre-paid debit card and an app that lets parents track and add money to the card.

Does GoHenry work on Amazon?

Yes. The GoHenry app works on Android, Apple, and Kindle Fire devices. To download the GoHenry app, you'll need an Android 2.3. Three or iOS 9.0 or later smartphone or tablet. To download and access the software, ensure you have at least 20.5MB of free space on your device, and then go to Google Play, Apple App Store, or Amazon App Store.

Can you pay cash into GoHenry?

No. Because GoHenry is a digital service, you can only contribute funds to your account via bank transfer or debit card.

What to focus on before applying for a loan with GoHenry

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between GoHenry and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All GoHenry’s reviews by September 2022
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