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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 Unison's loan


How to apply

You need to click on the "Get an estimate" button. Once you input the address and click on the button below, you will be sent to a page that requires you to enter your contact information. On the very same page, you will receive an estimate of how much you will be able to unlock.

From there, you will have to create an account with a valid email address in order to initiate the application process. You will be asked to provide contact info, information regarding your income, and other key details. You will then provide more information about your housing situation and will agree to a soft credit pull. After checking for credit score and history, you will be asked to upload documentation to corroborate everything you've already submitted.

Once your home is assessed or assessed and inspected, you will receive an offer with a limited amount of time to act on the offer before it expires. After you accept the offer, the close can be scheduled within just three days.


The major requirements for using this company's offer include:

  • A credit score of 620 and above;

  • LTV less than 75%;

  • Good debt-to-income (DTI) ratio;

  • Owner-occupied home;

  • Being located in one of 30 states in which Unison operates in.

Application details

The company doesn't provide a document checklist on their website, but you will be asked to provide personal information, info regarding your income, and lots of documents related to the house. It can be presumed that this company requires a fairly standard list of documents, including state-issued IDs, proof of income, and an exhaustive list of property-related documents and reports.

Usually, it doesn't take long for this company to consider your application. However, when you consider that Unison's funding is usually available to customers in about a month, the entire process can take up much more than a month.

Among the most common reasons for rejecting the problem may be issues with the application (incorrect or incomplete data) or the property itself. You can also simply not meet the credit score or DTI requirements set by this company.


What credit score do I need for Unison?

Unison requires a credit score of 620 and above. The higher the score, the more favorable the terms are.

Does Unison check my credit?

You will be asked to agree to a soft credit pull. In other words, Unison checks for credit score information, but it won't affect your score negatively.

What is Unison co-investing?

Unison acts as a co-investor, purchasing a portion of up to 17.5% of your home's value. This means they own a small percentage of your property, and you will receive that money in cash. Co-investing is considered a safe practice overall.

Calculate loan payments in Unison

Unison calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

30000 $
500000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with Unison

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 Unison 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 Unison’s reviews by September 2022
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