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!

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 Utah, Missouri, Idaho, Mississippi, Wisconsin, 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.

PRIVACY POLICY

Name: Kwikcash
Address: 9150 Irvine Center Drive, Irvine, CA, 92618, US
Telephone: 800-478-6230

Kwikcash is committed to protecting the individual privacy rights of all of its clients. Kwikcash strongly believes that it has a responsibility to protect from disclosure to any unauthorized parties, your nonpublic and personal information. This policy applies to each and every customer. Therefore, Kwikcash has adopted and implemented this privacy policy to protect your account and your personal information. As our customer, we collect and receive nonpublic personal information about you. This includes information such as your name, Social Security Number, birth date, employment information, and income.

Information Collection

Kwikcash will collect the following kinds of nonpublic personal information about you:

Information we receive from you on applications or other forms, such as your name, date of birth, contact information, income and obligations;
Information we receive from you about your transactions with us, our affiliates, or others, such as prior loans, terms, payoffs, and payment history;
Information we receive from consumer reporting agencies, such as your credit history and credit worthiness; and
Information we receive as a result of verifying your information with non-affiliated third parties, such as employment history and loan balances.

No Information Sharing Policy

Kwikcash does not disclose any nonpublic personal information that we collect about our customers or former customers, as described above, to anyone, except as permitted by law.

USA Patriot Act

In order to assist the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens a loan account. What this means to you: When you open a loan account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.
The information being requested and observed is for compliance with the requirements of Section 326 of the USA Patriot Act implementing customer identification and verification requirements. This information in no way will be used in making the credit decision on your completed application.

Texting

By providing your cell phone number and opting in to the SMS program, you have provided us with consent to send you text messages in conjunction with the services you have requested – this may include loan application update notifications, marketing and promotions, payment reminders and account updates etc depending on your choices. Your cellular provider’s Msg&Data Rates May Apply to our confirmation message and all subsequent messages. If we modify this Text Message Policy, we will notify you by sending you a text message with a link to the new policy. We may terminate our text message program at any time. If you have any questions about this policy, would like us to mail you a paper copy of this policy or are having problems receiving or stopping our text messages, please contact us using the following information: Kwikcash 28532 Airoso Street Rancho Mission Viejo, CA 92694.

We are able to deliver messages to most of the major and minor mobile phone carriers: Major carriers: AT&T, Verizon Wireless, Sprint, T-Mobile, MetroPCS, U.S. Cellular, Alltel, Boost Mobile, Nextel, and Virgin Mobile. Minor carriers: Alaska Communications Systems (ACS), Appalachian Wireless (EKN), Bluegrass Cellular, Cellular One of East Central IL (ECIT), Cellular One of Northeast Pennsylvania, Cincinnati Bell Wireless, Cricket, Coral Wireless (Mobi PCS), COX, Cross, Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri), Illinois Valley Cellular, Inland Cellular, iWireless (Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man), Mosaic (Consolidated or CTC Telecom), Nex-Tech Wireless, NTelos, Panhandle Communications, Pioneer, Plateau (Texas RSA 3 Ltd), Revol, RINA, Simmetry (TMP Corporation), Thumb Cellular, Union Wireless, United Wireless, Viaero Wireless, and West Central (WCC or 5 Star Wireless). ***Carriers are not liable for delayed or undelivered messages***

Opt-out or STOP This policy applies to the text messages sent by Kwikcash to our customers while and after they use our product. If you wish to stop receiving any requested messages from Kwikcash, simply text STOP to that message. If you wish to stop receiving ALL messages you have opted in to, at once, type STOP ALL in the reply text you send us. Your stop request will become effective [within one day]. You may also stop text messages by calling us [or emailing us] using the contact information below. Info@kwikcashonline.com or 1-800-478-6230. Help or Support If at any time you need our contact information or information on how to stop text messages, reply to any text message we have sent you and in the reply text simply type HELP.

Security Policy

Securing of a customers’ nonpublic personal information is very important to Kwikcash. Kwikcash employees are required to sign a privacy policy agreement stating that that they are aware of Kwikcash’ policy regarding the use of and disclosure of customer information. Kwikcash has also taken extra steps and put in place several security measures to protect our customers’ personal information from loss, misuse, or alteration. When customers send their personal identifying information to Kwikcash via the Kwikcash website, Kwikcash requires that a secure session be established first, using Secure Socket Layer (SSL) technology supporting up to 256-bit encryption to prevent unauthorized persons from viewing any private information being transmitted during your application process. Information transmitted between the Kwikcash server and your computer must be sent only while in a secure mode or Kwikcash will have no responsibility for any loss or exposure of personally identifying information to unauthorized third parties during a secure SSL session, data passed between the customer’s computer and Kwikcash computer servers are secured through the use of public key cryptography. The customer’s computer exchanges key information with Kwikcash servers to create a private conversation that only the customer’s computer and Kwikcash computer servers may understand. To benefit from SSL protection, customers must use a browser with SSL capabilities. This method of information transfer will apply when the customer is entering in personal information, execution of and submittal of the online promissory note, for validation and verification purposes during your communications through our server and processing systems.

While using the Kwikcash website, customers will be notified upon entering and leaving a secured session, unless the setting is turned off on the customers’ browser. After leaving a secured session, information transmitted to Kwikcash will not be secure. For security purposes, Kwikcash uses various software programs to monitor web site traffic and to identify unauthorized attempts to upload or change information or otherwise to cause damage to the Kwikcash website. These programs do not collect personally identifying information about customers, but do enable Kwikcash to collect information allowing Kwikcash to identify website users attempting to tamper with the Kwikcash website. Kwikcash has policies in place against the misuse, misappropriation, unauthorized access, tampering, damage, destruction, or unlawful utilization of the Kwikcash websites and computer systems and will seek the maximum enforcement of state, federal, and international criminal and civil laws against any individual engaging in such activity. Please note that when customers send electronic mail messages (e-mail) to Kwikcash, the customers’ messages will contain the customers’ return e-mail address. Thus, Kwikcash may utilize customers’ e-mail addresses in order to respond to customer inquiries and the content of customers’ e-mail in formulating a response. Kwikcash will permanently record and store any substantive e-mail received from its customers. Customer e-mail sent to Kwikcash is not necessarily secure against interception. Do not initiate communication with Kwikcash by email if your communication will include nonpublic personal information like your Social Security Number, bank account number, or other personally identifying information that you wish to protect. Although Kwikcash does its best to protect and secure information submitted to it over the internet, your use of this website is strictly at your own risk. Kwikcash makes no representations that it can guarantee the security of any information sent by the users of this website during an unsecured session. Kwikcash protects the security of its servers but cannot be responsible for any virus, spy ware, ad ware, malicious codes and /or hacker activity that may result in damage to your computer or theft of your identifying information.

Additional Security Feature of Shared Secrets

Shared secrets are a security method for accessing confidential information. A shared secret is something known only to the user and the holder of the confidential information. Shared secrets usually consist of a user ID and password. These shared secrets allow the user to log into the site of the holder of confidential information such as a Credit Card issuer or financial institution. Shared secrets are necessary for a safe and dependable online authentication procedure. In order to minimize potential compromise of your shared secrets, you should create passwords that are a combination of both letters and numbers.

Kwikcash Information Retention Policy

Kwikcash will maintain electronic and hardcopy loan application information for funded/closed/withdrawn and declined loans for a period of years in accordance with all mandated federal and State Laws. If you would like to receive copies of any such information, you must notify Kwikcash in writing with your request so that the proper authentication and forwarding information can be verified.

*Facts*	*WHAT DOES KWIKCASH, INC. DO WITH YOUR PERSONAL INFORMATION?*
*Why?*	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
*What?*	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income Account balances and payment history Credit history and credit scores
*How?*	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Kwikcash, Inc. chooses to share; and whether you can limit this sharing.

When you are no longer our customer, we continue to share your information as described in this notice.

*Reasons we can share your personal information*	*Does Kwikcash, Inc. share?*	*Can you limit this sharing?*
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	YES	NO
For our marketing purposes – to offer our products and services to you	YES	NO
For joint marketing with other financial companies	YES	NO
For our affiliates’ everyday business purposes – information about your transactions and experiences	YES	YES
For our affiliates’ everyday business purposes – information about your creditworthiness	YES	YES
For our affiliates to market to you	YES	YES
For nonaffiliates to market to you	YES	YES

To limit our sharing

Call (800) 478-6230 or visit us online: www.kwikcashonline.com or contact us at info@kwikcashonline.com

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.

Questions?

Call (800) 478-6230 or go to www.kwikcashonline.com

*What We Do*
How does Kwikcash, Inc. protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Kwikcash, Inc. collect my personal information?	We collect your personal information, for example, when you Open an account or pay us by check Provide account information or give us your contact information Show your driver’s license We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only Sharing for affiliates’ everyday business purposes-information about your creditworthiness Affiliates from using your information to market to you Sharing for non-affiliates companies to market to you State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account – unless you tell us otherwise.

*Definitions*
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include other financial services companies, lenders, insurance companies, retailers, membership clubs, or other consumer service providers.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include other financial services companies, lenders, insurance companies or other consumer service providers.