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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 Vincent's loan


How to Apply


Vincent does not put any strict requirements in place, making it a free-to-use platform for anyone interested in investing. However, Vincent stresses the importance of their Terms of Service page. One of the major requirements is for the user to be of a legal age to enter into compulsory contracts.

How to invest

Once you get on the Vincent website, it is possible to select investment plans grouped by niche or categorized according to trending searches. Expert analysis is included in in-service components, and constant review for quality and value optimizes the user experience. Vincent users are additionally offered a customized analysis based on their professional interests. Each memo consists of a V-Score, a ranking system that releases a score, filtering all available deals.


Is Vincent open to all investors?

Yes, Vincent is fully available to any investor, whether qualified, accredited, or without experience.

What is Vincent's investment minimum?

At the moment, Vincent carries various investment options from multiple industries. Therefore the minimum investment value often alters. Therefore, the minimum range can be between $10 - $50,000 concerning the asset. Some of the partners even allow participation in product drops without minimums. As a service, Vincent indicates the minimum amount needed to participate in a certain activity.

How do I invest in Vincent?

As a user, you cannot invest in Vincent because it is not a specialized investment platform. It means that no investments are being transacted on behalf of the user. Therefore, the service itself does not take any money from clients. Instead, Vincent connects users with third-party portals that conduct the investing processes on their behalf. It is important to note that they are not related to Vincent.

What to focus on before applying for a loan with Vincent

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 Vincent 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 Vincent’s reviews by October 2022
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