in Personal Loans

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Strongly recommended

33 users recommend
7 users are unsure
7 users don't recommend
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Where does KwikCash do business?

KwikCash is a direct lender based in Irvine, CA. Founded in 2008, KwikCash offers access to personal loans in 1 state across the USA.

What are the APRs offered via KwikCash?

KwikCash offers a fixed APR personal loan product that ranges from 79% up to 199%.

Does KwikCash charge an origination fee?

No, KwikCash does not charge a loan origination fee.

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does KwikCash charge a late fee?

No, KwikCash will not charge you a late fee.

Does KwikCash charge prepayment fees?

No, KwikCash does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

How much can you borrow via KwikCash?

Loan amounts start at $2,500 and go up to $5,000.

What can a personal loan from KwikCash be used for?

Personal loans from KwikCash are typically used for special purchases, debt consolidation, home improvement projects, weddings, medical expenses & procedures, unexpected expenses or similar purposes.

What is the maximum loan term you can get with KwikCash?

KwikCash offers personal loans with terms ranging from 36 to 48 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.

What do you need to qualify for a loan with KwikCash?

Applicants with a credit score of at least 500 can apply for a loan via KwikCash . The minimum age to apply for a loan is 23 or the state minimum, whichever is higher.

To qualify for a KwikCash loan, applicants need a minimum annual income of $30,000 or higher. KwikCash only considers borrowers who are employed and meet the minimum income requirement.

Active duty servicemembers and their covered dependents cannot apply for a loan via KwikCash. The Military Lending Act prohibits lenders from charging servicemembers more than a 36% APR.Only U.S. citizens and permanent residents can apply for a loan.

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Applicants must have an active and valid checking account
  • Recent pay stubs
  • Proof of income

What is the estimated funding time for a personal loan via KwikCash?

KwikCash will typically approve (or deny) a loan application within 24 hours and fund personal loans within 2 business days of approval.

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  • Headquarters
  •   9150 Irvine Center Drive
    Irvine, CA 92618 USA
  •   Visit Site

Message from KwikCash

We strive to be the most personable lender when it comes to our consumers, giving us the ability to connect on a deeper level with every circumstance. We pride ourselves in leniency, opportunity, and transformation.


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  Available in 1 state
Availabile in all of California

Feature Breakdown

No Fees
No Origination Fee
No Prepayment Fee
List of Fees
No Late Fees
Minimum Age
Credit Score Range
500 - 660
850 300 500 660
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Annual Income
Bank Account Required?
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
Military Status
  • Non-Military
  • Veterans
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Joint Loan Applications Accepted
  • Co-signer
Verification Documents Required
  • Proof of Income
  • Recent Pay Stubs
  • Driver License (or other photo ID)
Dollar Amount
Loan Amount
$2.5K - $5K
    $100 $100K+
Loan Term (Months)
36 - 48
    1 180
(Fixed APR)
79% - 199%
    4% 100%+



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