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)
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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, you can sometimes get your money within 1 business day*.
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 |
| 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.
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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.
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.