FAQ

Absolutely not! KC extends its services to individuals with varying credit types, distinguishing itself from local banks that often cater to a limited clientele. Our philosophy centers on making loans accessible to everyone, prioritizing your ability to repay. We look at your banking history and confirm your employment to help us with our decision-making process. Discrimination has no place in our approach.

Yes. We check your credit score with Experian.

Click Here for our current rates.

There are NO application fees, origination fees, prepayment penalty fees or hidden fees.

Absolutely! There are no penalties for paying off your loan early. In fact, you are encouraged to do so.

Yes. Please Click Here to sign in.

We only charge interest for the amount of time you need to have the money, so you only pay for interest the days you have the loan. If you need it for 2 weeks, then you will only pay for 2 weeks worth of interest.

Your eligibility depends on creditworthiness, income and your resident state. To know whether you are pre-approved, you may start your application here.

Our application is 3 minutes tops! Everything can be done online and on-the-go via mobile. We make it easy! If you have already applied click here to check your application status

Click here to check your application status.

Yes. If you: Are at least 18 years old. Have a social security number. Have a valid checking account. Are a resident of California, Utah, Missouri, Idaho, Mississippi, Wisconsin, Texas, South Carolina, Alabama.

To be safe we like to say within 24 hours BUT most of the time you will know sooner than that!

Absolutely, our website is set up and maintained to ensure our customers’ information is secure. There is Secure Socket Layer connection, SSL, is the standard technology that ensures all the data that passes between a web server and a browser – passwords, credit card information, and other personal data – stays private and ensures protection against hackers. Our website is also scanned by McAfee Web Secure and Norton daily to ensure complete security and privacy to our applicants.

Simply Click Here to get started.

We are an online lender only, currently we do not have any storefronts that are open to the public. The most efficient and quickest way is to apply online.

Our bank verification is a tool that we use to verify your identity and to verify your bank account. Because this is an automated process we will only deem your loan application as complete if the bank verification is completed.

An online bank account is required. However, if you have a credit union bank or a smaller independent bank, we will accept a bank statement. Please reach out to your KC representative to access this feature.

There are multiple reasons the automated bank verification step may not be successful. Below are the most common errors and tips for success:

• Ensure you are using a stable internet / Wi-Fi connection.
• Attempt logging into your bank account to ensure your banking login credentials are correct. Click through any promotions, updates, or personal verification to ensure you are able to view your account. When complete, please attempt bank verification again.
• Ensure your online banking account has your current phone number and email for multi-factor authentication. This includes updating your security questions when logging into your account.