Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
5.99% - 35.99%(Verified 09/11/2024)
Amount Range
$250 - $10,000
Loan Term (Months)
3 - 36
45Cash.com Personal Loans Review
45Cash.com Personal Loans is offered by 45Cash.com, a direct lender founded in 2020 and based in Grand Rapids, MI. 45Cash.com Personal Loans are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- Uses a variable APR. This is uncommon for personal loans. If interest rates rise in the future it could make the monthly payments more challenging. Personal loan interest rates typically range between 9% and 36%. The starting rates for 45Cash.com Personal Loans are on the lower end of the spectrum.
- No origination fee. 45Cash.com Personal Loans does not charge a loan origination fee.
- Short loan terms. 45Cash.com Personal Loans have loan terms as short as 3 months.
45Cash.com Personal Loans Pros & Cons
| Pros | Cons |
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45Cash.com Personal Loans FAQ
What interest rates and personal loan terms does 45Cash.com Personal Loans offer?
45Cash.com Personal Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does 45Cash.com Personal Loans offer?
45Cash.com Personal Loans offers a variable APR personal loan product that ranges from 5.99% APR up to 35.99% APR.
How much can you borrow via 45Cash.com Personal Loans?
Personal loan amounts start at $250 and go up to $10,000
What is the maximum loan term you can get with 45Cash.com Personal Loans?
45Cash.com Personal Loans offers loans with terms of up to 36 months.
| Personal Loan Amount | $250 - $10000 |
| Loan Term | 3 - 36 months |
| APR | 5.99% - 35.99% |
What fees does 45Cash.com Personal Loans charge?
Does 45Cash.com Personal Loans charge an origination fee?
45Cash.com Personal Loans does not charge a personal loan origination fee.
A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, consider lenders that don’t charge origination fees.
Does 45Cash.com Personal Loans charge a late fee?
45Cash.com Personal Loans does not disclose whether it charges late payment fees.
Does 45Cash.com Personal Loans charge prepayment fees?
No, 45Cash.com Personal Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | No |
| Late Payment Fee | No |
What do you need to qualify for 45Cash.com Personal Loans?
45Cash.com Personal Loans does not require or does not disclose a credit score minimum. 45Cash.com Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by 45Cash.com Personal Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
| Minimum Age | N/A |
| Bank Account Required? | No |
| Credit Score | N/A |
Does 45Cash.com Personal Loans report your account activity to credit bureaus?
Yes, 45Cash.com Personal Loans reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does 45Cash.com perform a hard credit pull?
Yes, 45Cash.com Personal Loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Are 45Cash.com Personal Loans legit?
45Cash.com was founded in 2020. It is an established company that has been in business for 6 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Contact
Headquarters
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed