CashCall Personal Loans
CashCall Personal Loans
in Personal Loans from CashCall

CashCall Personal Loans

in Personal Loans from CashCall
SuperMoney Net Recommendation Score -60  


This product is strongly not recommended by SuperMoney users with a score of -60, equating to 1.8 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly not recommended

2 users recommend
0 users are unsure
8 users don't recommend
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Spotloan 22 reviews
Community Rating Strongly not recommended
APR  (Fixed APR) 35.52% - 139.13%
Loan Amount $2,600 - $25,000
Loan Term (Months) N/A
Number of Reviews 10

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 is available in 5 states across the USA.

Key Takeaways

  • APRs starting at 35.52%. Personal loan interest rates typically range between 5% and 36%. The starting rates for CashCall Personal Loans are on the higher end of the spectrum.
  • Fast access to funds. In some cases, you can get your money within 1 business day*.

CashCall personal loans Pros & Cons

Pros Cons
  • $0 prepayment fee.
  • Considers applicants with fair credit.
  • Funding available within 3 business days.
  • APRs as high as 139.13%.
  • Charges an origination fee.
  • Do not offer pre-approval with soft credit pull.
  • CashCall Personal Loans does not report to credit bureaus.
  • Charges a late fee.

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?

Business loan amounts start at $2,600 and go up to $25,000.

CashCall personal loans Interest Rates & Loan Terms
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?

No, CashCall personal loans will not charge you a late fee if you miss one of the monthly payments.

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.

CashCall personal loans Fees
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.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the CashCall Personal Loans product fall outside of the MLA limits, and as a result, the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

Permanent resident / green card holders are also eligible to apply.

To qualify, applicants may need to provide the following documentation:

  • Recent pay stubs
  • Proof of income
  • Driver's license
CashCall personal loans Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Application Types Accepted
  • Individual Applications
  • Credit Score 640 - 850

    What is the estimated funding time for a personal loan via CashCall personal loans?

    CashCall personal loans will typically approve (or deny) a loan application within 24 hours and fund loans within 3 business days of approval.

    Is CashCall a legit company?

    CashCall was founded in 2003, it is a well-established company that has been in business for 19 years. CashCall Personal Loans are strongly not recommended by SuperMoney community users.

    SuperMoney Disclosure: 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.


      Available in 5 states
    • Arizona
    • California
    • Idaho
    • Missouri
    • Utah

    Feature Breakdown

    No Prepayment Fee
    Immigration Status Considered
    • U.S. Permanent Resident
    Joint Loan Applications Accepted
    • Individual Applications
    Military Status
    • Non-Military
    • Veterans
    Minimum Age 18
    Verification Documents Required
    • Driver License (or other photo ID)
    • Recent Pay Stubs
    • Proof of Income
    Credit Score Range 640 - 850
    APR Type Fixed APR
    Loan Amount $2,600 - $25,000
    APR (Fixed APR) 35.52% - 139.13%

    CashCall Personal Loans Community Reviews


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    This product is strongly not recommended by SuperMoney users with a score of -60, equating to 1.8 on a 5 point rating scale.


    Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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