KwikCash Online is based in Irvine, California, and was launched in 2008. It provides high-interest unsecured personal loans to people with average to poor credit. KwikCash has an A with the Better Business Bureau. 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 Rates and Fees?

Rates vary by state and credit worthiness. The minimum rate is 69% APR and the maximum rate is 135% APR. 

How Much Money Can I Borrow from Kwik Cash?

Loan amounts range from $2,500 to $5,000. Loan terms vary from 36 to 48 months. The longer the term, the lower the rate. There are no prepayment penalties. 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 ding 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 rates are much lower than payday loans.

  • Loan Amount
    $2500 - $5000
  • Payment Options
    Automatic Payments
  • APR
    69% - 135%
  • Max Loan Term (Months)
  • Credit Score Range
    560 - 850
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
  • Minimum Age
  • Minimum Income
  • Supported Income Types
    • 1099 Misc. Income
    • Payroll Check or Prepaid Card
  • Verification Documents Required?
    • Recent bank statements
    • Recent pay stubs
    • Driver license (or other photo ID)
  • No Late Fees
  • No Origination Fee
  • No Prepayment Fee
  • Institution Type
    Direct Lender
  • Approval Speed (Hours)
  • Customizable Payment Dates
  • Joint Loans Available
  • Funding Time
    Next business day
  • Credit Bureau Reporting
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0 votes

Great experience, easy process. Friendly and understanding staff. I had the pleasure of working with Thalia. She is very knowledgeable and explained the entire process to me. Every one of my questions answered. I will definitely recommend all my family and friends to her. Thank you Thalia!

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!

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

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