RATES & TERMS
Choose your state of residence to learn about your loan options
LOAN OPTIONS IN UTAH
LOAN AMOUNT RANGES: $250 - $1,500
LOAN TERM: 6 - 20 Months
We tailor the rates and terms of our loans to your unique financial situation and they may vary by program. The specific loan amount, APR, and terms you may qualify for depend on your credit and loan repayment history, employment history, and other factors.
Late Fees: Any payment not paid in full on or before its scheduled due date shall be subject to a late fee of $30.00 or 5% of the delinquent unpaid amount, whichever is greater.
LOAN OPTIONS IN ALABAMA
LOAN AMOUNT RANGES: $2,000
LOAN TERM: 10 - 24 Months
We tailor the rates and terms of our loans to your unique financial situation and they may vary by program. The specific loan amount, APR, and terms you may qualify for depend on your credit and loan repayment history, employment history, and other factors.
LOAN OPTIONS IN MISSISSIPPI
LOAN AMOUNT RANGES: $501 - $1,500
LOAN TERM: 7 - 11 Months
We tailor the rates and terms of our loans to your unique financial situation and they may vary by program. The specific loan amount, APR, and terms you may qualify for depend on your credit and loan repayment history, employment history, and other factors.
Compliance with Mississippi Regulations
We operate in compliance with Mississippi regulations, License No. 003359.
Governing Law
If you have questions or concerns about your loan, please contact KwikCash by phone at 800-478-6230 or by sending an email to info@kwikcashonline.com.
If KwikCash is unable to address your questions or concerns, you can also contact the state regulatory agency directly:
Mississippi Credit Availability – Consumer Pamphlet.
Mississippi Credit Availability - Disclosure
Department of Banking and Consumer Finance
P.O. BOX 12129 | JACKSON, MS 39236-2129
TEL.601.321.6901 | FAX.601.321.6933
http://www.dbcf.ms.gov/
LOAN OPTIONS IN SOUTH CAROLINA
LOAN AMOUNT RANGES: $601 - $1,500
LOAN TERM: 6 - 20 Months
We tailor the rates and terms of our loans to your unique financial situation and they may vary by program. The specific loan amount, APR, and terms you may qualify for depend on your credit and loan repayment history, employment history, and other factors.
Consumer Rights and Responsibilities Regarding Loans (Opens in PDF)
Maximum Rate Schedule (Opens In PDF)
LOAN OPTIONS IN MISSOURI
LOAN AMOUNT RANGES: $250 - $1,500
LOAN TERM: 6 - 20 Months
We tailor the rates and terms of our loans to your unique financial situation and they may vary by program. The specific loan amount, APR, and terms you may qualify for depend on your credit and loan repayment history, employment history, and other factors.
Compliance with Missouri Regulations
We operate in compliance with regulations via our lending license below
LOAN OPTIONS IN IDAHO
LOAN AMOUNT RANGES: $250 - $1,500
LOAN TERM: 6 - 20 Months
We tailor the rates and terms of our loans to your unique financial situation and they may vary by program. The specific loan amount, APR, and terms you may qualify for depend on your credit and loan repayment history, employment history, and other factors.
LOAN OPTIONS IN WISCONSIN
LOAN AMOUNT RANGES: $250 - $1,500
LOAN TERM: 6 - 20 Months
We tailor the rates and terms of our loans to your unique financial situation and they may vary by program. The specific loan amount, APR, and terms you may qualify for depend on your credit and loan repayment history, employment history, and other factors.
LOAN OPTIONS IN CALIFORNIA
LOAN AMOUNT RANGES: $10,000
LOAN TERM: 60 Months
KwikCash is a premier California unsecured loan provider, which means that you don't have to tie your loan to an asset that will serve as collateral.
KwikCash makes a wide spectrum of loan products available to accommodate customers with a range of credit scores. Our standard rate is 99% APR for those residing in CA. Published rates are subject to change without prior notice and not all applicants will qualify. Underwriting guidelines and other terms and conditions apply to all loan applications.
KwikCash contracts for: a late fee of $10 for each payment that is not made within 10 days of its due date; a returned payment fee of $15.00 for each payment made by check, negotiable order of withdrawal or share draft that is returned by a depository institution; and, reasonable collection costs and attorneys’ fees if KwikCash must pursue collection, or hire an attorney, to collect what you owe. Please see your loan agreement for the APR and other terms applicable to your loan.
LOAN OPTIONS IN TEXAS
LOAN AMOUNT RANGES: $250 - $1,500
LOAN TERM: 5 Months
In Texas, KwikCash is not a lender. KwikCash acts as a Credit Services Organization (CSO) and Credit Access Business (CAB) and will attempt to arrange a loan between you and an unaffiliated third party lender ("Lender").
Schedule of All Fees
| Most Common Loan Amount Borrowed |
CSO FEE | LENDER INTEREST (10% PER YEAR) |
TOTAL FEES/INTEREST |
TOTAL OF PAYMENTS |
APR | Common Loan Term |
| $500 | $749.98 | $11.50 | $761.48 | $1,261.48 | 514.50% | 154 Days (11 Bi-Weekly Payments) |
| $750 | $1,124.97 | $17.36 | $1,142.33 | $1,892.33 | 514.54% | 154 Days (11 Bi-Weekly Payments) |
| $1000 | $1,499.96 | $23.11 | $1,523.07 | $2,523.07 | 514.53% | 154 Days (11 Bi-Weekly Payments) |
Sample Loan Terms
Below are 3 typical examples of multi-payment loans that kwikcashonline.com can help arrange for you. Please click on the link that is closest to the loan amount you are seeking.
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| $500 Loan | $750 Loan | $1000 Loan |
If you have questions or concerns about your loan, please contact KwikCash by phone at 800-478-6230 or by sending an email to info@kwikcashonline.com. If KwikCashOnline.com is unable to address your questions or concerns, you can also contact the Office of Consumer Credit Commissioner.
OCCC Consumer Credit Notice
This business is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the business, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website: occc.texas.gov. Email: consumer.complaints@occc.texas.gov.
Office of Consumer Credit Commissioner
2601 North Lamar Blvd
Austin, TX 78705-4207
Phone: 512-936-7600 or toll free 1-800-538-1579
Email: consumer.complaints@occc.state.tx.us
http://occc.state.tx.us
An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.
Compliance with Texas Regulations
We operate in compliance with Texas regulations via our CAB License and CSO Registration below:
You are in charge of how much interest you pay
Pay your loan back as soon as you can for the best savings
No pre-payment penalty fees on early payoffs
KwikCash makes a wide spectrum of loan products available to accommodate customers with a range of credit scores. The lowest rates and higher loan amounts are reserved for customers with excellent credit. Actual rates vary by applicant depending on state of residence, your supporting documentation, and underwriting. Published rates are subject to change without prior notice and not all applicants will qualify. Underwriting guidelines and other terms and conditions apply to all loan applications.
Kwikcash Inc. is an installment lender offering loans to residents in those states where permitted by law. The content of Kwikcashonline.com does not signify a solicitation or offer for loans in all areas. Areas of operation may change with or without notice. Services mentioned on this website may or may not be available in your particular area.
Terms: You must be at least 18 years of age to be eligible for this offer. Information contained in your credit report was used for this offer. You received this offer because you met certain criteria for creditworthiness. You must continue to meet the criteria used to select you for this offer and our creditworthiness criteria, including our ability to verify the amount of your income and debts. The total monthly payments that you will make as of the date your loan is made (including the loan for which you will have from KwikCash), cannot exceed 25% of your regular net monthly income. This offer is non-transferable. You will not need to provide personal or real property as security for the loan. You are not eligible for this offer if you have a current loan balance outstanding with KwikCash unless you agree to combine the offered loan with your current loan balance outstanding.
We cannot commit to make a loan to You unless and until Your completed application is approved by Our Underwriting Department.