Is KwikCash Personal Loans the right fit for you?
Last Updated: 04/18/2025
SuperMoney User Recommendation Score +60
Strongly recommended57 total votes
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Highlights
Community Rating
Strongly recommended
APR (Fixed APR)
87% - 399%(Verified 06/21/2024)
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Amount Range
$500 - $10,000
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Loan Term (Months)
6 - 60
Number of Reviews
KwikCash Personal Loans Review
KwikCash Personal Loans is offered by KwikCash Inc., a direct lender founded in 2008 and based in Irvine, CA. KwikCash are available in 6 states.
Key Takeaways
- APRs starting at 87%. Interest rates vary by state. Personal loan interest rates typically range between 9% and 36%. The starting rates for KwikCash Personal Loans are on the higher end of the spectrum.
- Fast access to funds. If approved, KwikCash Inc. will send the money in as little as 24 hours.
- No origination fee. KwikCash Personal Loans does not charge a loan origination fee.
- No late fees. KwikCash Personal Loans will not charge additional fees if you miss the due date on a payment.
- Cosigner required. Applicants must have a cosigner to complete an application.
- Short loan terms. KwikCash Personal Loans have loan terms as short as 6 months.
KwikCash Pros & Cons
| Pros | Cons |
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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.
| 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, consider lenders that don’t charge origination fees.
Does KwikCash charge a late fee?
No, KwikCash will not charge you a late fee if you miss payments.
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.
| 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. KwikCash Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.
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 or other government photo ID
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Application Types Accepted |
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| Credit Score | 500 - 660 |
What is the estimated funding time for a personal loan via KwikCash?
KwikCash will typically fund loans within 1 to 2 business days of approval and clearing necessary verifications.
Does KwikCash Inc. perform a hard credit pull?
Yes, KwikCash performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Are KwikCash Personal Loans legit?
KwikCash Inc. was founded in 2008, it is a well-established company that has been in business for 18 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: SuperMoney.com 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.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +60, or 4.2 on a 5-point rating scale.
+60
-1000+100
No one recommends
Everyone recommends
KwikCash Personal Loans Community Reviews
Would you recommend KwikCash Personal Loans to your friends?
VW
Vallarie W.
Oct 2, 2021
May or may not recommend
I used Kwik cash quite by accident while hunting an installment loan, I have not had good experiences with payday loans in the past. The first week I had the loan, I contacted KC and requested to pay off I heard back from them the same day! We took care of it quickly. There was an issue with an additional payment coming out; Again they responded ...Show More
CB
Caroline B.
Jan 1, 2020
May or may not recommend
Its a very good loan site and their repaying strategies are ok, , I love it and am recommending it to friends......
AL
Ahmad L.
Sep 2, 2019
May or may not recommend
reat customer service, fast replies on all questions through email. I would definitely recommend to anyone who needs a loan to check out kwikcash you won't be disappointed.
RG
Roseline G.
Aug 2, 2019
May or may not recommend
I have really benefited from kwik cash and it's been so easy to get a loan when I need emergency
CB
Court B.
Jul 18, 2019
May or may not recommend
Helped me when I got declined everywhere else. Team was so helpful and nice, such a good company to have around. Thank you KC!
MP
Marcus P.
Jul 16, 2019
May or may not recommend
Only other option was blue trust loans and their Apr was half of BTL “Best rate”
Rufai T.
Jul 15, 2019
May or may not recommend
Kwikcash is the best money lender with no documentation!U received ur alert direct to your bank account within 2 minutes! Their interest rate is affordable and accommodating. Whoever wish to get loan without stress that visit kwikcash website.
U
Anonymous
Jun 27, 2019
May or may not recommend
Have an offer for $2500. To pay this back its 30 payments at 390.71 or ranging 185 to 220%. This should be illegal
JE
June E.
Dec 28, 2018
May or may not recommend
Easy and quick, not like other lenders i've used before. thank u
BS
Bobby S.
Dec 11, 2018
May or may not recommend
Fast, convenient, and friendly. Cant get any better than that.
Recommending to friends and family - thank you!
Ayeni A.
Dec 3, 2018
May or may not recommend
Just my first time but I beleive it's gonna get better here to get loans
Akaninyene H.
Nov 27, 2018
May or may not recommend
I requested for a personal loan via kwikcash platform, I mean within a few minutes I was able to get the raw cash to settle my challenges. I would recommend them to anyone who needs an immediate cash for urgent needs. But ensure you can pay back on time oooo. So that others would benefit as well.
WF
William F.
Oct 9, 2018
May or may not recommend
Kwikcash’s Todd and Thalia have always been great to work with. The loan service is fast and very easy. I have had a great experience with this company and highly recommend them.
N A.
Sep 25, 2018
May or may not recommend
Was a super easy process! Applied, signed the loan papers, and had the money in my bank account the next business day! Would definitely use again and would recommend to friends that need money fast
Danny A.
Sep 13, 2018
May or may not recommend
friendly customer service everything was so quick and easy thanks kwikcash
ES
Edward S.
Sep 13, 2018
May or may not recommend
KwikCash made getting a loan very easy. The woman who assisted me was very attentive, while not being overly intrusive. She got me a loan with reasonable terms. Much appreciated in a pinch.
Dan A.
Sep 13, 2018
May or may not recommend
Extremely easy to work with. Got me the cash I needed in no time at all. Would recommend them to anyone that needs a short term loan.
WG
Wendy G.
Sep 11, 2018
May or may not recommend
KC was very easy and they have great customer service. Interest rates are very high so you should pay off your loan as soon as possible. I will def use them in the future.
LM
Luis M.
Sep 11, 2018
May or may not recommend
Super easy to obtain a loan. Everything was done absolutely online without ever having to getting up from the couch. I was able to upload everything online. Thalia Vangel was very quick to respond and inform me of everything that was needed and what was the next step. Got funded the very next day.
Lorna W.
Sep 4, 2018
May or may not recommend
Very easy to apply and electronic verification and submittal of documents was such a time saver! Funding almost immediate, with no issues to deal with! Thank you KC!
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