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 +59%



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41 users recommend
7 users are unsure
8 users don't recommend
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Community Rating Strongly recommended
APR  (Fixed APR) 87% - 399%
Loan Amount $500 - $10,000
Loan Term (Months) 6 - 60 months
Number of Reviews 56

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 is 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 cash. In some cases you can get your money within 1 business day.
  • Poor credit accepted. Even if you have bad or poor credit, you can apply. Borrowers with a credit score as low as 500 are considered for KwikCash Personal Loans.
  • Hard credit pull required. You can't check your rates or see if you prequalify for KwikCash Personal Loans without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
  • No origination fee. KwikCash Personal Loans does not charge a loan origination fee.
  • 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 offers loan terms as short as 6 months. Most personal loans have a minimum term of 12 to 36 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 Personal Loans Pros & Cons
Pros Cons
  • $0 prepayment fee.
  • $0 origination fee.
  • Considers applicants with poor credit.
  • Fast funding.
  • APRs as high as 399%.
  • Do not offer pre-approval with soft credit pull.
  • KwikCash Personal Loans does not report to credit bureaus.
  • Charges a late fee of up to $10.
KwikCash Personal Loans FAQ

What rates and terms does KwikCash Personal Loans offer?

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

What APR rate does KwikCash Personal Loans offer?

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

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

How much can you borrow via KwikCash Personal Loans?

Loan amounts start at $500 and go up to $10,000

What can a personal loan from KwikCash Personal Loans be used for?

Personal loans from KwikCash Personal Loans 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 Personal Loans?

KwikCash Personal Loans offers personal loans with terms ranging from 6 to 60 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.

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

What fees does KwikCash Personal Loans charge?

Does KwikCash Personal Loans charge an origination fee?

KwikCash Personal Loans 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 Personal Loans charge a late fee?

Yes, KwikCash Personal Loans may charge borrowers a late payment fee of up to $10, which is triggered if you're 10 days late.

Does KwikCash Personal Loans charge prepayment fees?

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

KwikCash Personal Loans Fees
Origination Fee N/A
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 are 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.

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 are, of course, eligible for the services offered by KwikCash Personal Loans. Permanent resident / green card holders are also eligible to apply.

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 Personal Loans 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 Personal Loans?

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

    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.


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

    About KwikCash Personal Loans

    Message From KwikCash Inc.

    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.


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

    Feature Breakdown

    No Origination Fee  
    No Prepayment Fee  
    Late Fee After 10 days
    Late Fee Amount $10
    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
    • Proof of Income
    • Recent Pay Stubs
    • Driver License (or other photo ID)
    Credit Score Range 500 - 660
    Loan Amount $500 - $10,000
    APR (Fixed APR) 87% - 399%
    Loan Term 6 - 60 months

    KwikCash Personal Loans Community Reviews


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