HOW CAN WE HELP?
How does KwikCash work?
Does my credit report need to be spotless?
Absolutely not! We help those with less than perfect credit.
Does Kwikcash check my credit score?
Yes. We check your credit score with Experian.
What are your interest rates?
Click Here for our current rates.
Are there any fees other than the APR?
There are NO application fees, origination fees, prepayment penalty fees or hidden fees.
May I pay my loan off early?
Absolutely! There are no penalties for paying off your loan early. In fact, you are encouraged to do so.
Can I check my account balance online?
Yes. Please Click Here to sign in.
What if I only need to borrow money for a short time?
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.
How do I become eligible for a loan?
Your eligibility depends on creditworthiness, income and your resident state. To know whether you are pre-approved, you may start your application here.
How long does the application process take?
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
How can I check my application status?
Click here to check your application status .
Am I eligible to apply?
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.
I've just applied, how long will it take to know when I'm approved?
To be safe we like to say within 24 hours BUT most of the time you will know sooner than that!
Is applying on www.kwikcashonline.com safe?
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.
How may I apply for a KwikCash loan?
Simply Click Here to get started.
Is it all online or can I come into a store?
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.
I do not have a bank account -- can I still apply for a loan?
Unfortunately, a bank account is required in order to accept your funds.
What is a bank verification and why is this needed?
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.
What if I do not have an online bank account?
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.
What if I don’t have a voided check
If you don't have checks, you just need to submit something showing your account number in full. Some clients take a screenshot from their online account for example.
I am having trouble with automated bank verification. What should I do?
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 / WiFi 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.