Where does KwikCash do business?

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

What range of rates does KwikCash offer?

KwikCash offers personal loans with APRs starting at 79% and up to 180%.

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 from KwikCash?

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

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.

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 as soon as 1 business day of approval.

Does KwikCash report loan payments to credit bureaus?

KwikCash reports credit data to the following credit reporting agencies:

  • Experian

How does KwikCash describe itself?

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.

  • Institution Type
    Direct Lender
  • Bank Account Required?
  • Credit Score Range
    500 - 660
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Joint Loan Applications Accepted
  • Military Status
    • Non-Military
    • Veterans
  • Minimum Age
  • Minimum Annual Income
  • Supported Income Types
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Verification Documents Required?
    • Proof of Income
    • Recent Pay Stubs
    • Driver License (or other photo ID)
  • No Late Fees
  • No Origination Fee
  • No Prepayment Fee
  • Approval Speed (Hours)
  • Credit Bureau Reporting
  • Customizable Payment Dates
  • Funding Time Range (in days)
    1 - 3
  • Joint Loans Available
  • Payment Options
    Automatic Payments
  • Loan Amount
    $2500 - $5000
  • Loan Term (Months)
    36 - 48
  • APR
    79% - 180%
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