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Quick Credit Loans
in Personal Loans from Quick Credit
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Quick Credit Loans

Unaffiliated
in Personal Loans from Quick Credit
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Highlights
APR  (Fixed APR) 185% - 225%
(Verified 08/05/2022)
Loan Amount $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 is available in 50 states (and Washington, DC).

Key Takeaways

  • APRs starting at 185%. Personal loan interest rates typically range between 5% and 36%. The starting rates for Quick Credit Loans are on the higher end of the spectrum.
  • Fast access to funds. In some cases, you can 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 credit score.
  • No origination fee. Quick Credit Loans does not charge a loan origination fee.
  • No late fees. Missing a payment can seriously damage your credit, but Quick Credit Loans will not charge additional fees if you miss the due date on a payment.

Quick Credit Loans Pros & Cons

Pros Cons
  • $0 prepayment fee.
  • Considers applicants with fair credit.
  • Funding available within 1 business day.
  • APRs as high as 225%.
  • Charges an origination fee of up to 0% of the loan amount.

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 that ranges from 185% APR up to 225% APR.

How much can you borrow via Quick Credit Loans?

Business loan amounts start at $1,000 and go up to $3,000.

Quick Credit Loans Interest Rates & Loan Terms
Personal Loan Amount $1000 - $3000
Loan Term N/A
APR 185% - 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?

Yes, Quick Credit Loans may charge borrowers a late payment fee if you miss one of the monthly 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.

Quick Credit Loans Fees
Origination Fee 0%
Prepayment Fee No
Late Payment Fee $0

What do you need to qualify for Quick Credit Loans?

When it comes to credit scores, Quick Credit doesn't have a set minimum or maximum. People with all types of credit scores can apply. 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. Quick Credit Loans only considers borrowers who are employed.

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. Active duty service members and their covered dependents are eligible to apply for a loan via Quick Credit Loans. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Quick Credit 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
  • Proof of income
Quick Credit Loans Eligibility Criteria
Minimum Age 18
Bank Account Required? Yes
Application Types Accepted
  • Individual Applications
  • Credit Score 300 - 850 FICO

    What is the estimated funding time for a personal loan via Quick Credit Loans?

    Quick Credit Loans will typically approve (or deny) a loan application within 24 hours and fund loans within 1 business day of approval.

    Does Quick Credit Loans report your account activity to credit bureaus?

    Yes, Quick Credit Loans reports your account activity to the following credit reporting agencies:

    • 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 improve your credit.

    Is Quick Credit a legit company?

    Quick Credit was founded in 1993, it is a well-established company that has been in business for 29 years.

    Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

    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.

    Contact

    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

    About Quick Credit Loans

    Availability

      Available in 50 states and Washington, D.C.
    • Alaska
    • Alabama
    • Arkansas
    • Arizona
    • California
    • Colorado
    • Connecticut
    • Washington, DC
    • Delaware
    • Florida
    • Georgia
    • Hawaii
    • Iowa
    • Idaho
    • Illinois
    • Indiana
    • Kansas
    • Kentucky
    • Louisiana
    • Massachusetts
    • Maryland
    • Maine
    • Michigan
    • Minnesota
    • Missouri
    • Mississippi
    • Montana
    • North Carolina
    • North Dakota
    • Nebraska
    • New Hampshire
    • New Jersey
    • New Mexico
    • Nevada
    • New York
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Virginia
    • Vermont
    • Washington
    • Wisconsin
    • West Virginia
    • Wyoming

    Feature Breakdown

    Late Fee Amount $0
    No Late Fees
    No Prepayment Fee
    Origination Fee ($) $0
    Origination Fee (%) 0%
    Checking Account Required
    Employment Statuses Considered
    • Other
    • Employed Full-Time
    • Employed Part-Time
    • Self-Employed
    • Retired
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Joint Loan Applications Accepted
    • Individual Applications
    Military Status
    • Active Duty Military
    • Non-Military
    • Veterans
    • Military Dependent
    Minimum Age 18
    Supported Income Types
    • Direct Deposit (W2, SSA, SSDI)
    • Cash
    • Payroll Check or Prepaid Card
    • 1099 Misc. Income
    • Tax Returns
    Verification Documents Required
    • Proof of Income
    Credit Score Range 300 - 850
    Approval Speed 24 hours
    Credit Bureau Reporting
    • Experian
    • Equifax
    • TransUnion
    Funding Time Range 1 day
    Payment Options
    • Automatic Payments
    • Check by mail
    • Storefront
    • Credit/Debit Card
    • Cash
    • Bank Transfer
    • Apple Pay
    Pre-Qualified Soft Credit Inquiry
    APR Type Fixed APR
    Loan Amount $1,000 - $3,000
    APR (Fixed APR) 185% - 225%
    (Verified 08/05/2022)

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