| Community Rating | Mostly recommended |
| APR (Fixed APR) | Starting at 6% |
| Loan Amount | $250 - $20,000 |
| Loan Term (Months) | 6 - 24 months |
| Number of Reviews | 49 |
Kashable Loans Review
Kashable Loans is offered by Kashable, a direct lender founded in 2013 and based in New York, NY. Kashable Loans is available in 31 states across the USA.
- APRs starting at 6%. Personal loan interest rates typically range between 5% and 36%. The starting rates for Kashable Loans are on the lower end of the spectrum.
- Fast access to funds. In some cases you can get your money within 1 business day.
- Hard credit pull required. You can't check your rates or see if you prequalify for Kashable Loans without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
- Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your Kashable Loans early.
- Short loan terms. Kashable Loans offers loan terms as short as 6 months. Most personal loans have a minimum term of 12 to 36 months.
| Pros | Cons |
|---|---|
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What rates and terms does Kashable Loans offer?
Kashable Loans has lower interest rates than the average for lenders reviewed on SuperMoney.
What APR rate does Kashable Loans offer?
Kashable Loans offers a fixed APR personal loan product that starts at 6% APR.
How much can you borrow via Kashable Loans?
Loan amounts start at $250 and go up to $20,000
What is the maximum loan term you can get with Kashable Loans?
Kashable Loans offers personal loans with terms ranging from 6 to 24 months.
| Loan Amount | $250 - $20000 |
| Loan Term | 6 - 24 months |
| APR | Starting at 6% |
What fees does Kashable Loans charge?
Does Kashable Loans charge an origination fee?
Kashable Loans may charge a loan origination fee.
Does Kashable Loans charge a late fee?
Yes, Kashable Loans may charge borrowers a late payment fee of up to $10, which is triggered if you're 11 days late.
Does Kashable Loans charge prepayment fees?
Yes, Kashable Loans may charge additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a loan early.
| Origination Fee | N/A |
| Prepayment Fee? | Yes |
| Late Payment Fee | up to $10 |
What do you need to qualify for Kashable Loans?
The minimum age to be eligible is 18 or the state minimum, whichever is higher.Kashable Loans does not have or does not disclose a minimum annual income eligibility requirement. Kashable Loans only considers borrowers who are employed.
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 Kashable 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.
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | 300 - 700 |
What is the estimated funding time for a personal loan via Kashable Loans?
Kashable Loans will typically approve (or deny) a loan application within 24 hours and fund personal loans within 7 business days of approval.
Does Kashable Loans report your account activity to credit bureaus?
Yes, Kashable Loans reports your account activity to the following credit reporting agencies:
- 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 improve your credit.
Contact
- Headquarters
-
275 Madison Avenue Suite 2014
New York, NY 10016 - Visit Site
About Kashable Loans
Message From Kashable
Availability
- Alabama
- Alaska
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Idaho
- Illinois
- Indiana
- Iowa
- Kentucky
- Louisiana
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Nebraska
- New Jersey
- New Mexico
- New York
- Oklahoma
- Pennsylvania
- Rhode Island
- South Carolina
- Tennessee
- Texas
- Utah
- Washington
Feature Breakdown
| Late Fee Amount | Up to $10 |
| Late Fee Grace Period | 11 days |
Kashable Loans Community Reviews
Would you recommend Kashable Loans to your friends?
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