Kashable Loans

Kashable Loans

in Personal Loans from Kashable


Kashable Loans


in Personal Loans from Kashable

SuperMoney Net Recommendation Score +35%



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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.

Mostly recommended

31 users recommend
3 users are unsure
14 users don't recommend
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Community Rating Mostly recommended
APR  (Fixed APR) Starting at 6%
Loan Amount $250 - $20,000
Loan Term (Months) 6 - 24 months
Number of Reviews 48

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.

Key Takeaways
  • 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 cash. In some cases you can get your money within 1 business day.
  • Poor credit accepted. Even if you have bad or poor credit, you can apply. Borrowers with a credit score as low as 300 are considered for Kashable Loans.
  • 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.
Kashable Loans Pros & Cons
Pros Cons
  • Low APRs available to qualified borrowers.
  • Considers applicants with poor credit.
  • Fast funding.
  • Charges an origination fee.
  • Do not offer pre-approval with soft credit pull.
  • Charges prepayment fees.
  • Charges a late fee of up to $10.
  • No co-sign option.
Kashable Loans FAQ

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.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

How much can you borrow via Kashable Loans?

Loan amounts start at $250 and go up to $20,000

What can a personal loan from Kashable Loans be used for?

Personal loans from Kashable Loans are typically used for special purchases, debt consolidation, home improvement projects, weddings, unexpected expenses or similar purposes.

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. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

Kashable Loans Rates & Terms
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.

Kashable Loans Fees
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.

Kashable Loans Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Application Types Accepted
  • Individual Applications
  • 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?

    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 can help improve your credit.

    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.


    • Headquarters
    •   275 Madison Avenue Suite 2014
      New York, NY 10016
    •   Visit Site

    About Kashable Loans

    Message From Kashable

    Kashable is an alternative personal loan lender that markets itself as a benefit to the employees of participating employers. Kashable provides employers a product called Group Credit Benefit Program and is linked to TriNet Marketplace, one the biggest employee benefits marketplaces in the United States. The product is free for employers and provides employees a fast, easy and relatively inexpensive source of credit.


      Available in 31 states
    • 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 After 11 days
    Late Fee Amount Up to $10
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    Immigration Status Considered U.S. Permanent Resident
    Joint Loan Applications Accepted Individual Applications
    Military Status
    • Non-Military
    • Veterans
    Minimum Age 18
    Credit Score Range 300 - 700
    Approval Speed 24 hours
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Funding Time Range 1 - 7 days
    Payment Options Automatic Payments
    Loan Amount $250 - $20,000
    APR (Fixed APR) Starting at 6%
    Loan Term 6 - 24 months

    Kashable Loans Community Reviews


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    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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