Features

KwikCash Online is based in Irvine, California, and was launched in 2007. It provides high-interest unsecured personal loans to people with average to poor credit. KwikCash has an A+ with the Better Business Bureau and no complaints in the last three years. Interest rates are high, but they are lower than the rates for payday loans, which is the only alternative for many of KwikCash's customers.

How Does Kwik Cash Work?

Apply online or over the phone. If successful, the funds will be deposited in your bank account within 24 hours. Eligibility requirements are not demanding, but applicants do need to have a stable job and an active bank account to qualify.

What Are Kwik Cash's Interest Rates?

Interest rates vary by state. The minimum rate is 59.3% and the maximum rate is 87.5%. The larger the loan, the lower the interest rate. In California, any loan below $7,500 is 87.5% while anything above is 59.3%. In Georgia, however, all loans have an APR of 59.3%.

How Much Money Can I Borrow from Kwik Cash?

Loan amounts range from $2,500 to $10,000. Loan terms vary from 36 months to 5 years. The longer the term, the lower the rate. A five-year loan of $10,000 will cost you $523.33 a month: a total cost of $32,399.80. However, there are no prepayment penalties, so you can repay the loan sooner if you want, which could substantially reduce the overall cost of the loan.

What Is Kwik Cash's Loan Application Process Like?

KwikCash has a simple and fast application process and there are no loan fees to worry about. Just fill in an online application, send ID and proof of income, and you could have cash in your bank account within 24 hours. However, unlike other high-interest lenders, KwikCash will perform a hard pull on your credit through Experian, which could hurt your credit score.

How Is Kwik Cash Better Than Other Lenders?

KwikCash offers a viable source of cash for borrowers with poor to fair credit. The application process is simple, requires minimal documentation and the interest rates are much lower than payday loans.

  • Credit bureau reporting
  • Interest APR
    87% - 59%
  • Joint loans available
  • Loan Amount
    $2500 - $10000
  • No late fees
  • Max Loan Term (Months)
    60
  • Lend to military?
  • Institution Type
    Direct Lender
  • Approval Speed (Hours)
    24
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0 votes

Be sure that you understand the situation that you should be in if you are thinking about getting this loan: You *NEED* money soon, your credit is worse than bad and practically no one else will loan you money at reasonable rates. If you understand all that AND have some sort of plan to pay back this loan ASAP, then Kwik Cash is one of the best places to go with. The paperwork/documentation needed was minimal and funding happened about 2 days after loan signing. I was even able to ... get my payment days changed quickly. I worked with Franky Bello through emails and he was prompt and got the job done with flying colors. I'm at the very beginning of this experience. If something goes horribly wrong, I will submit a terrible 1 star review. If it goes right, my 4 stars stands. More Less


0 votes

Tried to tell me that the only loans they offer are around 85% Interest. Complete joke of a service. Franky Bello is a shark.


0 votes

I have had several loans with Kwikcash over the years. Their service is fantastic..... very fast and professional and they always are very easy to work with. I highly recommend them without hesitation!


0 votes

Sent me a pre-approval checked my credit after doing so had me fax tons of paperwork verified personal references, after that asked to remotely access my bank account which required me to log in using my credentials after doing that an hour later i received a denial stating my credit wasn't good enough hmm I thought that was the first thing you checked before accessing my checking account makes you wonder about these bad credit lenders. I'm happy they declined me fot a 59% APR loan found one for the ... same amount at 10% thanks JERKS!! More Less


0 votes

Fast Loan. Funded within 2 days upon providing standard documentation. Large loan amount that helped me refinance two other loans with higher rate. Great customer service (Todd)...very attentive. I did not have any issue with spam after the application as others have reported. Overall, a great loan experience in context of other companies I've dealt with, thanks!


0 votes

I kind of dismissed the review I just read that said you will get an email flooded with junkmail when I applied the other day, but now I'm not so sure I should have dismissed it. I am getting a lot more junkmail, and I'm not happy about it. I did get a decent loan, but not sure it is worth the junkmail price!


0 votes

The good news is that even if your credit is questionable, KwikCash may be able to provide the loan you need, so long as you have a steady income. You get your money quickly, which is critical if youre facing an urgent situation like preventing your electricity from being shut off. The bad news is that once you submit your information, expect your in-box to be FLOODED with junk email. If youre really desperate, then the trade-off can be worth it.


0 votes

I was worried about the process of applying being really long and involved, but it wasn't. I was able to apply pretty fast over the phone, and I was so glad to get my money fast. The interest rate was pretty high, but beggars can't be choosers, so I went with it. They don't have a prepayment penalty, which is great, because I plan to pay off early. Customer service was quick and helpful.Overall, pretty good experience.


1 votes

This company says they can help you if you have a stable income and average credit, so I gave it a try. The application process went smoothly and customer service is pretty good as well. I even got my loan in a timely manner. Now that Im paying back the loan, Im glad I got the option of choosing when I wanted to have the payment deducted each month. The interest rate I got seems pretty fair.


0 votes

I needed $10,000 really fast and Kwik Cash lived up to its name and got it to me within a couple of days. I was really shocked. Unfortunately, I was also shocked by the interest rate and what it is going to cost me over the life of the loan. Good thing they don't have a prepayment penalty!

1 votes

Much obliged to you for your assistance... now and again it always happens that you're there for me a week or so prior to payday. Thanks!


0 votes

A friend had told me about Kwik cash loan s, and that they help people like me who have not so great credit... I had some trouble figuring out all the documents and online application. I'm wary about giving too much information without seeing who I'm sending it. through more than a few customer service calls, I finally got approved for the loan. that was the point of applying, but now I also have a bunch of other lender types calling me and filling my email up with junk mail. ... I wish I would have shopped around a bit more. More Less


0 votes

This company has a lot of good loan structures and seems to do what it can to fit you with the one that works for you. I got a loan amount that fit the budget I was trying to fulfill and the payoff has been going pretty good. I am paying more than I want to in interest, but that always seems to be the case!


0 votes

My interest rate is a bit high at 55%, but they don't lie about no hidden fees. I have had the experience so often of getting lower interest rates but being hit by numerous fees that make it more expensive! This seems to be a pretty good company that at least isn't full of beans.


0 votes

They said that loan term repayment could last up to five years and I thought that's what I would get when I applied, as I got out a pretty substantial loan, but they only offered me two years. I took the loan becuase by that time I had run out of time, but I'm not sure about paying it back in time.


0 votes

Interest rate is nothing to write home about, but the customer service here is pretty good. They walk you through anything you don't understand and are quick to check on the status of your loan, even though you can do it online. I am feeling pretty good about this choice. I'll feel better when I pay the loan off, of course!


0 votes

I know this is a quick loan, and I know that you have to pay for quick access to cash, especially when you have poor credit, but 87%!! This seems really high to me, and I'm afraid I'll never be able to pay it off. I had a family emergency and didn't have a choice about getting out the loan, but I'm a little concerned about my interest rate. I had hoped to get a lower rate. We'll see how paying it off goes!


0 votes

I think the fact that I've had my job for 20 years really helped me get a pretty good interest rate on my loan. I got what is a great interest rate--27%--so when they offered the loan, I immediately took it. I was able to pay off a loan that was looming over my head and causing me sleepless nights. Now to pay off this loan!


0 votes

I happen to live in a state that allows this company to charge you the highest interest rate, and of course they do! That means I'm paying just as much in interest as if I went to a payday loan lender, which are notorious for this. I would suggest checking out your state laws before doing this.


0 votes

When you want a fairly good interest rate on an unsecured loan, this place isn't a bad place to go. I got a 39% interest rate on $4,000, so I wasn't over the moon happy, but then again I wasn't too upset about it, either. The loan repayment terms seem to be pretty good as well.

1 votes

KwikCash is an online finance company making loans to residents of California, Utah, Alabama, Georgia, New Mexico and Missouri. For borrowers in these states who face difficulties obtaining approval for bank loans, KwikCash provides a viable alternative to payday loans. Although KwikCash uses an online lending model similar to that used by payday lenders with cash available in as little as 24 hours its interest rates and APR are much lower than those of payday lenders, although still higher than rates available through conventional banks. Available loan amounts and ... interest rates vary by state of residence and Experian credit score, among other factors. As an online finance company, KwikCash makes loans with repayment periods that extend for months rather than weeks. KwikCash is accredited by the Better Business Bureau, although the BBB has not assigned a rating for the company. As a result of its BBB accreditation, KwikCash does appear to be a reputable business, nonetheless, borrowers are advised to exercise due diligence and caution before submitting sensitive information. Borrowers should also not confuse KwikCash with a UK-based payday lender with the same name. More Less


0 votes

When they say Kwik cash, they mean quick cash! I got my money within 24 hours. Phew! Really needed it. That was the good part. The bad part was that I'm now getting a slew of junk email about getting more loans. Considering the high interest rate I'm paying (yeah, I know, it's a quidk loan), I shouldn't have to worry about having my email sold to other companies. Other than that, it was a smooth process.


0 votes

Not really happy about getting out a loan, but I did. They don't charge prepayment penalties, so I intend to pay this off in a third of the time of the life of the loan. That will save me a bunch in interest and make the fact that I was forced to take out a loan a little less painful.


0 votes

My credit isn't all that great, but it's not really terrible. I was a little shocked at the interest rate that I got. Seemed pretty high. I know this is a quick cash loan, and I was desperate, so I had to go with it. But it should have been a good 10 points lower. I did like the easy app and the quick turnaround on getting my money. I will most likely compare with other interest rates from other companies next time before accepting a loan.


0 votes

I've dealt with a lot of loan companies over the years and I have to say that this company has treated me with the most respect. I have to admit feeling bad enough to have to ask for money. If a company makes you feel crummy about asking for money, you might still get the loan, but you're probably not going to go back to the same company again for more punishment. That's why I've gone back to Kwik Cash, again and again. And I also like getting my money ... quickly. More Less


0 votes

Fortunatley, I have the top requirements--stable job and income. Unfortunately, I needed some money yesterday! The process of applying online wasn't bad, though, and I got the money pretty quickly. I was happy about getting the money, but not so happy about the emails I'm getting all of the time now trying to give me more loans.Some from other companies. Allright already, I got the money. I'll let you know if I need another loan! Otherwise, happy about my loan.


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