KwikCash installment loans review

California residents without the best credit can borrow up to $10,000.

There are times in life when you need a little extra cash to pay off bills, consolidate your debt or cover an unexpected expense. An installment loan from KwikCash offers installment loans to get through a tough financial period, even if you don’t have the best credit. Our review outlines everything you’ll need to know about KwikCash before you apply.

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Max. Amount


Product NameKwikCash Installment Loan
Max. Amount$10,000
Loan Term36 to 60 months
Loan SecurityUnsecured
RequirementsOpen checking account, be a California resident, have social security number, ages 18+

What is KwikCash?

KwikCash offers unsecured installment loans for residents of California who have a range of credit scores and personal needs. Loan amounts go up to $10,000, although higher loan amounts are reserved for people with better credit scores and a solid history of timely payments.

Installment loans are known to have high interest rates, and KwikCash is no exception. APR ranges from 87% to 99%. In order to make your loan more affordable, KwikCash won’t charge any fees on top of interest. That means there are no application or monthly service fees.

If you need a larger loan, KwikCash could be the solution to your financial troubles. The application process is relatively simple, and you could have your funds within a few days.

What are the benefits of an installment loan from KwikCash?

  • Monthly payments. Choose the day your payments are processed based on your payday. Whether it’s at beginning or the end of the month, KwikCash allows you to choose what works best for you.
  • Long terms. An installment loan from KwikCash can range from 36 to 60 months, giving you plenty of time to repay what you owe and work down your debt with lower monthly payments than other, shorter small-loan options.
  • No prepayment penalty. KwikCash encourages you to repay your loan early to save money on interest. If you’re able to pay extra towards your principal, you won’t be charged a fee for doing so.

Is there anything I should be aware of?

  • California residents only. If you don’t live in California, you won’t be able to borrow from KwikCash.
  • Performs credit checks. Most lenders only do soft credit pulls or complete credit checks with third-party credit companies, but KwikCash will check your credit with Experian. This means your loan application will show up on your credit report.
  • Automatic payment withdrawal. Your payment will be withdrawn automatically from your bank account. If you don’t have enough to cover the cost of your payment, you may be charged extra fees by KwikCash and your bank.

Compare top installment loan options

Name Product Filter Values Loan amount Turnaround time Requirements
OppLoans Installment Loans
$500 to $5,000
1 business day
Direct deposit, meet minimum income requirements, live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
LendYou Short-term Loans
$100 to $2,500
Same business day to 1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Monevo Installment Loans
$500 to $100,000
Varies by lender
Credit score of 500+, legal US resident, ages 18+
Quickly compare multiple online lenders with competitive rates depending on your credit.
Fig Loans Installment Loans
$200 to $800, varies by state
As soon as the same business day
3 months of direct deposits, $1400 per month income, positive bank account balance
Get an affordable installment loan that comes with no fees, flexible terms and predictable monthly repayments.

Compare up to 4 providers

A warning about installment loans

Like all installment loans, KwikCash is an expensive product. While interest rates vary, they’ll generally be higher than an equivalent loan from a bank or credit union. As with other credit options, we recommend you only borrow the amount you need and be sure to budget your monthly payments.

You may want to consider some alternatives before you apply

KwikCash reviews and complaints

BBB accreditedYes
BBB ratingA-
BBB customer reviews4.74 out of 5 stars, based on 19 customer reviews
BBB customer complaints4
Trustpilot score4.8 out of 5, based on 570 customer reviews
Customer reviews verified as of16 October 2020
KwikCash reviews are mostly positive. Customers frequently cite KwikCash’s fast turnaround and excellent customer service as reasons to go back. The few negative reviews are from users who said they were approved but never received the funds.

Is KwikCash safe to use?

Yes. KwikCash has a valid security license on their website that you can view by checking that the URL begins with https instead of http. This ensures any information you enter onto the KwikCash website is encrypted and secured by a secure socked layer (SSL) of up to 256 bits. In addition, all employees of KwikCash are required to sign and abide by a privacy policy that prevents them from disclosing borrower information. You can learn more by visiting the Privacy Policy section on the KwikCash website.

Am I eligible?

In order to borrow an installment loan from KwikCash, you’ll need to meet some basic eligibility requirements before you’re considered for approval. You must:

  • Be at least 18 years old.
  • Have a Social Security number.
  • Have an open checking account.
  • Be a resident of California.

How do I apply?

KwikCash has a simple application process for users short on time. The first step is the basic application where you’ll need to submit personal information, including your address, Social Security number, employment and income information, the purpose of your loan and the amount you would like to borrow.

If your application is preapproved, you’ll be contacted by one of the members of KwikCash’s customer service team. From here, you’re guided through the next steps. Your documents are reviewed by KwikCash’s underwriting team, and if you’re approved, your funds will be transferred to your bank account, sometimes as soon as the next business day.

Application Screenshots

These are the documents you will need to submit:

  • A copy of your current driver’s license.
  • A voided check from an active checking account.
  • A copy of your most recent bank statement.
  • Two recent paycheck stubs.

What happens after I get the loan?

Once your loan is deposited into your bank account, you’re required to start making monthly payments until your loan is paid off in full. KwikCash doesn’t charge prepayment penalties, so save on interest by paying more than your minimum payment each month.

Remember that a loan is a contract, and if you don’t make timely payments, KwikCash may choose to submit your missed payments to a credit bureau. This can show up on your credit report and damage your future chances of getting a loan.

Bottom line

KwikCash is an installment loan lender that works with California residents to provide clear, comprehensive loans no matter the situation you find yourself in. However, it’s crucial to compare your options before you borrow to be sure you’re getting the best terms and loan service for your needs.

Frequently asked questions about kwikCash

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    Default Gravatar
    April 8, 2019

    What is Kwikmoney?

      Avatarfinder Customer Care
      April 9, 2019

      Hi Lawali,

      Thank you for getting in touch with Finder.

      If you are pertaining to KwikCash, it is a lender that offers unsecured installment loans for residents of California who have a range of credit scores and personal needs. Loan rates range from $2,500 to $5,000, although higher loan amounts are reserved for people with better credit scores and a solid history of timely payments.

      I hope this helps.

      Thank you and have a wonderful day!


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