Last Updated: 04/18/2025
SuperMoney User Recommendation Score -56
Strongly not recommended9 total votes
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Highlights
Community Rating
Strongly not recommended
APR (Fixed APR)
35.52% - 139.13%(Verified 06/21/2024)
Disclaimer popup with additional information
Amount Range
$2,600 - $25,000
Loan Term (Months)
N/A
Number of Reviews
CashCall Personal Loans Review
CashCall Personal Loans is offered by CashCall, a direct lender founded in 2003 and based in Irvine, CA. CashCall personal loans are available in 5 states.
Key Takeaways
- APRs starting at 35.52%. Personal loan interest rates typically range between 9% and 36%. The starting rates for CashCall Personal Loans are on the higher end of the spectrum.
- Fast access to funds. If approved, CashCall will send the money in as little as 24 hours.
CashCall personal loans Pros & Cons
| Pros | Cons |
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CashCall personal loans FAQ
What interest rates and personal loan terms does CashCall personal loans offer?
CashCall personal loans has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does CashCall personal loans offer?
CashCall personal loans offers a fixed APR personal loan product that ranges from 35.52% APR up to 139.13% APR.
How much can you borrow via CashCall personal loans?
Personal loan amounts start at $2,600 and go up to $25,000
| Personal Loan Amount | $2600 - $25000 |
| Loan Term | N/A |
| APR | 35.52% - 139.13% |
What fees does CashCall personal loans charge?
Does CashCall personal loans charge an origination fee?
CashCall personal loans may charge a personal loan origination fee .
Does CashCall personal loans charge a late fee?
CashCall personal loans does not disclose whether it charges late payment fees.
Does CashCall personal loans charge prepayment fees?
No, CashCall 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 CashCall Personal Loans?
Applicants with a credit score of at least 640 and up to 850 may be eligible for CashCall Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. CashCall Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Proof of income
- Driver's license or other government photo ID
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | 640 - 850 |
What is the estimated funding time for a personal loan via CashCall personal loans?
CashCall personal loans will typically fund loans within 1 to 3 business days of approval and clearing necessary verifications.
Does CashCall perform a hard credit pull?
Yes, CashCall 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 CashCall Personal Loans legit?
CashCall was founded in 2003, it is a well-established company that has been in business for 23 years. CashCall Personal Loans is strongly not recommended by SuperMoney community users.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.
Message from our editor
What we love about CashCall
CashCall offers a variety of loans, including personal loans, business loans, and mortgages.
The application is quick and easy to fill out. The entire process takes place online. The company also has loose credit requirements. Even if you have poor credit, you may be able to get a loan from CashCall. Just keep in mind that the cost of borrowing money tends to relate to your credit. If you have poor credit, you may not like the loan offers you receive.
What could CashCall do better?
CashCall’s loans charge fees, including origination fees, which will increase their overall cost compared to loans that don’t come with those fees.
CashCall also only offers fixed-rate loans. If you want a variable interest rate, you’ll have to find another lender to work with.
Another drawback of the company is that it has a relatively small footprint. Despite being an online lender, operates in a small handful of states. If you live outside of its service area, you’ll have to work with a different company.
Finally, CashCall’s maximum loan amount is relatively low compared to most personal lenders. If you have a large borrowing need, CashCall likely won’t be able to lend you enough to meet that need.
CashCall's Backstory
CashCall is based in Orange California and has been operating since 2003. The company started as a personal loan provider but has expanded to other markets including business lending and mortgages.
The Verdict
CashCall charges high interest rates, fees, and has restrictive limits on the amount that you can borrow. While it may have an easy application, most people can get a better deal from other lenders. Unless you have poor credit and can’t get a loan elsewhere, you should probably check with other lenders before considering CashCall.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -56, or 1.9 on a 5-point rating scale.
-56
-1000+100
No one recommends
Everyone recommends
CashCall Personal Loans Community Reviews
Would you recommend CashCall Personal Loans to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I have not got a loan yet but maybe in a little while
SB
Sherlee B.
Sep 18, 2020
May or may not recommend
I have not got a loan yet but maybe in a little while
U
Anonymous
Sep 13, 2018
May or may not recommend
My loan terms were 47 months on a $3100 loan. I made the first payment of $255 first month. And then the $341 second month and an additional $1500. CashCall then without warning changed my terms from 47 months to 7 months. They are trying to collect faster because last month the supreme court ruled that the loans are now the loans unconscionable under section 22302 of the Financial Code. ...Show More
TJ
Teri J.
May 23, 2018
May or may not recommend
Company follows shady business practices and will harass and embarrass their customers even if payment is one day late. Interest rates are insane and payments can make customers fall into a hole so deep that they might never repay their loans. By the time they do, they will have paid many times more than the original amount. Also, Cash Call does not immediately follow through with early payoffs, even if ...Show More
U
Anonymous
Jan 28, 2016
May or may not recommend
Do not borrow a penny, don't even dial the number! CashCall/Delbert Services/WS Financial/Western Sky Financial/J Paul Reddam/Martin Butch Webb/Lakota Sky/et al. These companies are a scam. J Paul Reddam's companies have been evading the law for years, first with DiTech, then with his rent a bank scheme that was shut down for usurious rates, then found Martin "Butch" Webb for his "rent a tribe" scheme. The gist of the scam ...Show More
U
Anonymous
Feb 22, 2015
May or may not recommend
This outfit is the worst company ever. Theyve been sued by so many different states for unscrupulous business practices, plus theyve been fined and penalized. The BBB gives them an F rating, which should tell you something. Its amazing that they are still in business. Even if you are totally desperate for money, you should avoid dealing with this company, period. Just dont do it.
David C.
Dec 11, 2014
May or may not recommend
I got a 5000 loan from these guys and it has been a nightmare since day one. They keep changing my APR rate from 100 to 110 now 115. Make up your minds! These guys are the worst!
Audrey H.
Jul 7, 2014
May or may not recommend
CashCall lists itself as being accredited by the Better Business Bureau. But when you load the BBB website, there is a notation that the listing for CashCall is currently being updated. This does not automatically mean that there is a problem, but it does give a misleading impression for CashCall to promote themselves as being BBB accredited. Further investigation reveals that CashCall, like so many easy loan services, charges usurious ...Show More
T G.
Feb 27, 2014
May or may not recommend
A nightmare! There is a reason there are so many lawsuits against this company. My original loan of $1000 that I took out to cover medical expenses of a dying parent, turned into $1500. Then was sold to Cashcall without my consent. I started receiving all kinds of scams on my email and phone calls. I repaid over $1900 and had to close my bank account b/c I had identity ...Show More
Showing 9 of 9 reviews
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