Albert review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Albert lends directly to US borrowers, and its fixed rate of 36% sits well above the 12% median across personal loans on BorrowCue. It suits adults in the United States who want a personal loan, credit line or cash advance paid out in minutes rather than a term to weigh up.

Key facts

Best for
A direct US lender for a small personal loan, credit line or cash advance funded in minutes.
APR
36% (Source, checked September 26, 2026)
Loan amount
$1,000 (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Transfer to an external account within minutes; transfer fee may apply (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
18 or older, United States citizen or legal U.S. resident, owner of a U.S. bank account (Source, checked September 26, 2026)
Loan types
Personal, Credit-line, Cash-advance (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
Albert Corporation (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding, Credit line
Official website
albert.com

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
Xyoutube.com

Pros and cons

Pros

  • A direct lender, so Albert Corporation lends its own money rather than passing the application to a panel.
  • Money can reach an external account within minutes, and same day funding and credit line covers same-day funding alongside a credit line.
  • Fixed pricing, so a fixed rate keeps payments steady across the term.
  • Support runs on email, phone and help centre, including phone and a help centre.

Cons

  • 36% sits above the 12% median APR across the personal loans listed here, so the money costs more than most of them.
  • A hard credit check, with poor credit listed as the level that works, so thin files are checked in full.
  • Amounts sit at $1,000, so it covers a short-term gap rather than a large expense.
Albert

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Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • US adults with a US bank account who need a small personal loan or cash advance paid out the same day.
  • Borrowers whose credit file is thin, since Albert works with poor credit.
  • Anyone who prefers to deal with the lender itself rather than a broker or a marketplace.

Who should look elsewhere

  • Readers after a cheaper rate: Monzo Flex charges 10% to 23%.
  • Readers after a rate at the bottom of the scale: Cashspace ES shows 0%.
  • Borrowors chasing a large sum, since the amount on offer is $1,000.

The company behind it

Albert Corporation is a direct lender based in the US. It holds a Florida consumer finance licence, CF9901561, alongside a Utah registration for consumer credit activities, so lending sits under US state rules rather than one national regulator. Support runs on email, phone and help centre.

How Albert compares

Where Albert is available

Available
United States
Licence in United States
Florida (Consumer Finance Company) (CF9901561), checked September 26, 2026
Licence in United States
Utah (Consumer Credit Activities), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Albert charge?+

Albert sets a fixed rate of 36% on what it lends, and the pricing model is fixed rate. That sits above the 12% median APR across the personal loans listed on BorrowCue, so the cost of the money is high next to most of this market.

Does Albert run a credit check?+

Yes. Albert runs a hard credit check, and it describes the credit it works with as poor. That means borrowers with a thin or damaged file are the expected case, not the exception, and the check is run in full rather than as a prequalification.

How much can I borrow from Albert?+

The stated amount is $1,000, which puts Albert in small-borrowing territory next to a €876.96 median across the lenders listed here. That suits an emergency, an unexpected bill or a short-term gap, not a car, a move or a large consolidation.

How fast does the money arrive?+

Money can be transferred to an external account within minutes, and a transfer fee may apply. Albert lists same day funding and credit line among its features, so same-day funding sits with the account rather than being sold as an add-on.

What can I borrow for?+

Albert offers personal loans, credit lines and cash advances, and personal, credit line and cash advance lists those product types. A credit line lets you draw only what is needed and keep the rest available, while a cash advance covers a shorter gap.

Who can apply?+

Applicants need to be adults, United States citizens or legal US residents, and owners of a US bank account. The account is tied to a US bank, so a reader without one cannot open it, and the eligibility rule is US only.

How do I get help from Albert?+

Support runs on email, phone and help centre, so questions can go by email, by phone or through the help centre. Albert is a direct lender based in the US, which means the same team that sets the terms answers questions about them.

Is Albert regulated?+

Albert is licensed as a Florida consumer finance company under licence CF9901561 and is registered in Utah for consumer credit activities. The lending sits under US state rules, and the legal entity behind the account is Albert Corporation.

Sources

  • albert.com checked September 26, 2026

    Backs: Loan amount, Credit check, Funding time, Lender type

    “Loans start at $1,000, and are subject to eligibility criteria and review of creditworthiness and history.”

  • albert.com/terms checked September 26, 2026

    Backs: APR, Credit needed, Eligibility, Features, Legal entity, Loan types, Pricing model, Rate type, Support channels

    “Rates may range up to 36% fixed Annual Percentage Rate ("APR"), depending on your creditworthiness.”

  • help.albert.com/hc/en-us/articles/24564223634327-Albert-s... checked September 26, 2026

    Backs: Headquarters, Licences

    “Albert Corporation holds licenses in the following states: Florida - Consumer Finance Company CF9901561; Utah - Consumer Credit Activities”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Arrangement fee, Representative example.

Albert

Albert

A direct US lender for a small personal loan, credit line or cash advance funded in minutes.

8.9/10See alternatives

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