Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
225%(Verified 10/31/2024)
Amount Range
$1,000 - $3,000
Loan Term (Months)
N/A
Quick Credit Loans Review
Quick Credit Loans is offered by Quick Credit, a nonbank financial services provider founded in 1993 and based in Dayton, OH. Quick Credit Loans are available in 23 states.
Key Takeaways
- APRs starting at 225%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Quick Credit 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*.
- Prequalified rate. You can check your prequalified rate at Quick Credit with a soft pull that will not affect your FICO or VantageScore.
- No origination fee. Quick Credit Loans does not charge a loan origination fee.
- No late fees. Quick Credit Loans will not charge additional fees if you miss the due date on a payment.
Quick Credit Loans Pros & Cons
| Pros | Cons |
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Quick Credit Loans FAQ
What interest rates and personal loan terms does Quick Credit Loans offer?
Quick Credit Loans has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Quick Credit Loans offer?
Quick Credit Loans offers a fixed APR personal loan product of 225%.
How much can you borrow via Quick Credit Loans?
Personal loan amounts start at $1,000 and go up to $3,000
| Personal Loan Amount | $1000 - $3000 |
| Loan Term | N/A |
| APR | 225% |
What fees does Quick Credit Loans charge?
Does Quick Credit Loans charge an origination fee?
Quick Credit Loans may charge a personal loan origination fee of 0% of the personal loan amount of $0 Quick Credit Loans deducts the origination fee directly from your personal loan amount, so make sure you take this fee into account when deciding how much you need to borrow.
Does Quick Credit Loans charge a late fee?
No, Quick Credit Loans will not charge you a late fee if you miss payments.
Does Quick Credit Loans charge prepayment fees?
No, Quick Credit Loans 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 | 0% |
| Prepayment Fee | No |
| Late Payment Fee | $0 |
What do you need to qualify for Quick Credit Loans?
Applicants with a credit score of at least 580 and up to 649 may be eligible for Quick Credit Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Quick Credit Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Quick Credit Loans.
To qualify, applicants may need to provide the following documentation:
- Applicants must have an active and valid personal checking account
- Proof of income
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Credit Score | 580 - 649 |
What is the estimated funding time for a personal loan via Quick Credit Loans?
Quick Credit Loans will typically fund loans within 1 business day of approval and clearing necessary verifications.
Does Quick Credit Loans report your account activity to credit bureaus?
Yes, Quick Credit Loans reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Quick Credit perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. Quick Credit Loans allows you to check your rates with a soft credit pull.
Are Quick Credit Loans legit?
Quick Credit was founded in 1993, it is a well-established company that has been in business for 33 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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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.
Hours of Operation
Sunday
Closed
Monday
7:00AM - 9:00PM
Tuesday
7:00AM - 9:00AM
Wednesday
7:00AM - 9:00AM
Thursday
7:00AM - 9:00AM
Friday
7:00AM - 9:00AM
Saturday
8:00AM - 4:00AM