Question 1

Does my credit report need to be spotless?

Accepted Answer

Absolutely not! We help those with less than perfect credit.

Question 2

Does Kwikcash check my credit score?

Accepted Answer

Yes. We check your credit score with Experian.

Question 3

What are your interest rates?

Accepted Answer

Click Here for our current rates.

Question 4

Are there any fees other than the APR?

Accepted Answer

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

Question 5

May I pay my loan off early?

Accepted Answer

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

Question 6

Can I check my account balance online?

Accepted Answer

Yes. Please Click Here to sign in.

Question 7

What if I only need to borrow money for a short time?

Accepted Answer

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.

Question 8

How do I become eligible for a loan?

Accepted Answer

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

Question 9

How long does the application process take?

Accepted Answer

Our application is 3 minutes tops! Everything can be done online and on-the-go via mobile. We make it easy!

Question 10

Am I eligible to apply?

Accepted Answer

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

Question 11

I've just applied, how long will it take to know when I'm approved

Accepted Answer

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

Question 12

Is applying on www.kwikcashonline.com safe?

Accepted Answer

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.

Question 13

How may I apply for a KwikCash loan?

Accepted Answer

Simply Click Here to get started.

Question 14

Is it all online or can I come into a store?

Accepted Answer

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.

Question 15

I do not have a bank account -- can I still apply for a loan?

Accepted Answer

Unfortunately, a bank account is required in order to accept your funds.

Question 16

What is a bank verification and why is this needed?

Accepted Answer

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.

Question 17

What if I do not have an online bank account?

Accepted Answer

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.

Question 18

What if I don’t have a voided check

Accepted Answer

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.

banner-ethical-lending-2-768×314

Quick Links

Get in Touch