Features

CashCall is one of the largest online lenders in the United States. It was founded in 2003 and has its headquarters in Orange, California. As well as personal loans, CashCall also offers mortgages and small business loans. CashCall has been found guilty of abusive lending practices and misleading advertising in multiple states, where its license has been revoked. Currently it is under investigation by the Consumer Financial Protection Bureau.

How Does It Work?

The application process can be performed online or over the phone. If you qualify, your money can be wired as quickly as the next business day. Credit requirements are very lenient but the interest rates and fees are similar to payday loans, which are considered predatory lending products by many regulatory agencies.

What Are CashCall's Interest Rates?

Interest rates vary depending on the size of the loan and the borrower's credit. The maximum APR ranges from 204.94% to 116.73%. Loans have a $75 fee but there are no prepayment fees for paying your loan early.

How Much Money Can I Borrow?

Loan amounts range from $2,600 to $10,000. There are two terms for loans: 47 to 84 months, but you can pay the loans early without a prepayment fee. The monthly payment on a $2,600 loan with a 204.94% APR will cost you $431.5 a month. That represents a total cost of $20,280 for a $2,600 loan.

What Is the Application Process Like?

The application process is fast and easy. CashCall only requires an active bank account statement, proof of income and valid ID. You can either fax these documents or use their paperless option. Approval can take just a few minutes and the money could be deposited in your bank account by the next business day.

How Is It Better Than Other Lenders?

Qualifying for a loan with CashCall is fast and its eligibility requirements are very lenient, which makes it an attractive option for people with bad credit. Its rates, however, are as high as payday lenders. The loan amounts offered by CashCall are larger than those offered by payday lenders and the repayment period are longer, which provides an alternative--albeit an expensive one--to borrowers who can't repay within the customary 2-week term of payday loans.

  • Min Loan
    $417000
  • Max Loan
    $3000000
  • Adjustable Rate
  • Fixed Rate
  • Home Equity Loans and Lines of Credit
  • Hybrid Mortgage
  • Jumbo Loan
  • Reverse Mortgage
  • Primary Residence
  • Estate/Trust/Retirement
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0 votes

I'm so happy I went with Cash Call. I have refinanced various times throughout the years, and my experience with Cash Call was one of the best. It only took a couple weeks to everything completed and the team was amazing from start to finish. I highly recommend Cash Call and their team. They offer fantastic services.


0 votes

Depending on who you work with at Cash Call, you could possibly have an amazing experience. The first person I came in contact with was okay. She failed to return my calls, but was nice enough. My actual loan agent was great, though. She was really professional and prompt in all her responses.


0 votes

I would not recommend Cash Call for your loans or refinancing. They lack basic communication and do not have great customer service, like many other companies. They also seemed to delay the process SO much, without reason. In the end, they didn't listen to our wishes and added the closing costs to the loan. Very irritating.


0 votes

The amount of time it took Cash Call to refinance my loan was very impressive. It took them just under three weeks to do everything. I've refinanced many times in the past, but this was by far the easiest. Cash Call was great to work with. They are given a big thumbs up by me.


0 votes

I found the Cashcall associates I worked with to be very professional and knowledgeable about the loan field. This isn't my first runaround with refinancing, but they have made it a better process than my previous times. They were very quick to return my calls- very appreciated. I would recommend Cashcall.


0 votes

I refinanced my home loan with Cash Call when I was recommended to them by a close friend. They are super professional and helpful. It only took a few weeks to complete everything, which was a lot faster than I thought. They were an awesome team to work with! I highly recommend them.


0 votes

If you appreciate efficiency by a loan company, do not contact Cash Call. I felt like I spent so much time signing and resigning papers, because of a slight error made on their part. The worst thing was that they let us know all this last minute, right at closing. They changed the fees last minute. I'm pretty annoyed with them.


0 votes

Cash call is a good company to get loans through. My loan officer really worked to get us the best possible interest rate for our situation. He was extremely patient with me and my husband and answered all of our questions promptly. I heard their ads, gave them a call, and I'm happy I did! They worked for us.


0 votes

I couldn't be happier with Cash Call Mortgage! I refinanced and originally, they gave me a really low interest rate. When all was said and done, it dropped even lower to 2.8%. So satisfied with their services. I didn't even have to leave the house in order to refinance. I really recommend them!


0 votes

I hate to admit it, but I feel like I'm stuck using Cash Call. Their service is just horrible, with the loan agents never returning your calls, and when they do want to contact you, they'll call rapid fire. I'm not answering for a reason! They have the lowest rates I have ever found, and I'm a sucker for cheap things. I wish they would either get better or I could find someone as cheap as them.


0 votes

My own mortgage company declined my refinance for reasons unknown to me, so I gave Cashcall a try. They were able to refinance my loan with a much lower rate! I'm super happy because I'm saving a bunch on monthly payments now. Both my husband and I completed the process together, and we're both so happy with how easy it was!!


0 votes

I'm happy I contacted Cash Call. They ended up working out a lot better than I thought they would. My loan officer was great- always available and answered all my questions. It was all done in about two weeks. I couldn't imagine using another company now, simply because of the low rates and quick service Cash Call offers.


0 votes

It's a shame that Cash call is so terrible, because they offer the best rates for home loans out there. Our phone calls were NEVER returned from this company. Also, they have server problems and cannot receive large files. All your docs are sent through email, so this should NOT be a problem! I would go somewhere else next time.


0 votes

CashCall really helped us out when we needed it the most! After trying to refinance a couple times, my husband contacted CashCall. They made the process easier, so we ended up completing it all with them. I am happy to say that we got a much better rate and now our monthly payments are much easier for us to keep up with. We highly recommend Cash Call, they're a great company.


0 votes

I don't know WHY I continue to do business with Cash Call. I've refinanced with them a couple times over the past few years, and for whatever crazy, unknown reason, I keep going back. Each time is more frustrating that the last. They have glitches with their system that makes sending and receiving documents difficult. Maybe next time I'll learn my lesson.


0 votes

What a huge disappointment Cashcall was. It's been weeks, and they still haven't managed to get anything done in regards to refinancing my home loan. I've sent them document after document, signed everything, and they still haven't even gotten close to finishing. Such a waste of time. I could have gotten it done by now.


0 votes

You can tell a lot about a company by how they're associates treat their customers. My loan agent was the best part of the entire process. I ever felt rushed, pressured, etc., and all my calls were returned right away. Everything that was promised happened in the end. I couldn't be happier with them and my loan officer.


0 votes

This company was a huge waste of my time. We send over tons of paperwork and they continued to request documents, resigning some of them. After weeks and weeks of this back and forth game, I finally gave up. I didn't pay anything out of pocket, but those weeks could have been spent dealing with a better company.


0 votes

Cash Call is not a reliable company that you'd want to do business with. I actually noticed an error made on their part and when I brought it up, I was met with threats and rude remarks. I knew they couldn't actually act on what they said, but it was really disconcerting and unappreciated. I will not work with them again, they are unreliable.


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