KwikCash Personal Loans
KwikCash Personal Loans
in Personal Loans from KwikCash Inc.

KwikCash Personal Loans

in Personal Loans from KwikCash Inc.
SuperMoney Net Recommendation Score +60  


This product is strongly recommended by SuperMoney users with a score of +60, equating to 4.2 on a 5 point rating scale.


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.

Strongly recommended

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Spotloan 24 reviews
Community Rating Strongly recommended
APR  (Fixed APR) 87% - 399%
Loan Amount $500 - $10,000
Loan Term (Months) 6 - 60 months
Number of Reviews 57

KwikCash Personal Loans Review

KwikCash Personal Loans is offered by KwikCash Inc., a direct lender founded in 2008 and based in Irvine, CA. KwikCash Personal Loans are available in 6 states across the USA.

Key Takeaways

  • APRs starting at 87%. Interest rates vary by state. Personal loan interest rates typically range between 5% and 36%. The starting rates for KwikCash Personal Loans are on the higher end of the spectrum.
  • Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
  • No origination fee. KwikCash Personal Loans does not charge a loan origination fee.
  • No late fees. Missing a payment can seriously damage your credit, but KwikCash Personal Loans will not charge additional fees if you miss the due date on a payment.
  • Cosigner applications accepted. Applying for KwikCash Personal Loans with a cosigner can improve your chances of approval and help you qualify for lower interest rates.
  • Short loan terms. KwikCash Personal Loans have loan terms as short as 6 months.
  • Minimum income of $30,000. You will need an annual income of at least $30,000 to apply for KwikCash Personal Loans, which is above average for the lenders in our database.

KwikCash Pros & Cons

Pros Cons
  • $0 prepayment fee.
  • Loan options with $0 origination fee.
  • Considers applicants with fair credit.
  • Funding available within 1 business day.
  • Cosigners accepted.
  • APRs as high as 399%.
  • Do not offer pre-approval with soft credit pull.
  • KwikCash Personal Loans does not report to credit bureaus.

KwikCash FAQ

What interest rates and personal loan terms does KwikCash offer?

KwikCash has higher than average interest rates for lenders reviewed on SuperMoney.

What interest rates does KwikCash offer?

KwikCash offers a fixed APR personal loan product that ranges from 87% APR up to 399% APR. Interest rates vary by state.

How much can you borrow via KwikCash?

Personal loan amounts start at $500 and go up to $10,000.

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

KwikCash offers loans with terms of up to 60 months.

KwikCash Interest Rates & Loan Terms
Personal Loan Amount $500 - $10000
Loan Term 6 - 60 months
APR 87% - 399%

What fees does KwikCash charge?

Does KwikCash charge an origination fee?

KwikCash does not charge a personal loan origination fee.

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

Does KwikCash charge a late fee?

Yes, KwikCash may charge borrowers a late payment fee if you miss one of the monthly payments of up to $10, which is triggered if you're 10 days late.

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 personal loan off early.

KwikCash Fees
Origination Fee No
Prepayment Fee No
Late Payment Fee $10

What do you need to qualify for KwikCash Personal Loans?

Applicants with a credit score of at least 500 and up to 660 may be eligible for KwikCash Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

To qualify for personal loans with KwikCash Personal Loans, applicants need a minimum annual income of $30,000 or higher. KwikCash Personal Loans only considers borrowers who are employed and meet the minimum income requirement. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.

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 KwikCash Personal 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.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by KwikCash Personal Loans.

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

  • Applicants must have an active and valid personal checking account
  • Recent pay stubs
  • Proof of income
  • Driver's license
KwikCash Eligibility Criteria
Minimum Age 18
Bank Account Required? Yes
Application Types Accepted
  • Cosigners
  • Credit Score 500 - 660

    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 loans within 2 business days of approval.

    Is KwikCash Inc. a legit company?

    KwikCash Inc. was founded in 2008, it is a well-established company that has been in business for 15 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.

    KwikCash Personal Loans Disclosure: You must be at least 18 years of age to be eligible for this offer. Information contained in your credit report was used for this offer. You received this offer because you met certain criteria for creditworthiness. You must continue to meet the criteria used to select you for this offer and our creditworthiness criteria, including our ability to verify the amount of your income and debts. The total monthly payments that you will make as of the date your loan is made (including the loan for which you will have from KwikCash), cannot exceed 25% of your regular net monthly income. This offer is non-transferable. You will not need to provide personal or real property as security for the loan. You are not eligible for this offer if you have a current loan balance outstanding with KwikCash unless you agree to combine the offered loan with your current loan balance outstanding.
    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.

    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.


    About KwikCash Personal Loans


      Available in 6 states
    • Alabama
    • Idaho
    • Mississippi
    • Missouri
    • South Carolina
    • Utah

    Feature Breakdown

    Late Fee Amount $10
    Late Fee Grace Period 10 days
    No Late Fees
    No Origination Fee
    No Prepayment Fee
    Checking Account Required
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Joint Loan Applications Accepted
    • Cosigner
    Military Status
    • Non-Military
    • Veterans
    Minimum Age 18
    Minimum Annual Income $30,000
    Supported Income Types
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Verification Documents Required
    • Driver License (or other photo ID)
    • Recent Pay Stubs
    • Proof of Income
    Credit Score Range 500 - 660
    APR Type Fixed APR
    Loan Amount $500 - $10,000
    APR (Fixed APR) 87% - 399%
    Loan Term 6 - 60 months

    KwikCash Personal Loans Community Reviews


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    This product is strongly recommended by SuperMoney users with a score of +60, equating to 4.2 on a 5 point rating scale.


    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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