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$100 – $5,000 Personal Loans from King of Kash

Borrowers are always welcome.

When you want money for anniversaries, vacations, school loans OR when you need money for car repairs, medical expenses or other emergencies, King of Kash is the Easy Loan Store™ for all your needs.

No matter your reason for needing extra cash you can have the money you need in no time with one of our easy online loans.

King of Kash offers personal loans with short terms (~12 months) and fixed monthly payments. We specialize in easy loans for bad credit ranging from $100 to $5,000 so you can be approved even if your credit is less than perfect!

Unlike traditional lenders, banks, payday lenders, and title lenders, we will work hard to help you meet your financial needs. When you work with King of Kash, we treat you with the dignity and respect you deserve from a friendly and professional organization. Many of our loyal customers have borrowed from us multiple times over the years. We are your go-to for personal loans and bad credit loans online.

Try us today and let us earn your loyalty and friendship!

Getting approved has never been easier!

What is a Personal Loan?

A personal loan is an unsecured loan that does not require any collateral down, and normally, there isn’t a traditional credit check required to qualify. Most lenders will perform what is known as a soft credit check to determine if your finances support your loan approval. These types of loans may come with a lower interest rate than a credit card or line of credit. They are a great low-risk alternative when you need money to get yourself out of a tight financial jam or if you need to fund a family vacation.

Benefits of a Personal Loan

Personal loans and bad credit online loans are quick, simple ways to get the money you need without having to wait weeks for approval. Since these loans are a type of unsecured loan, there’s no need to put any asset up for collateral. You also don’t have to go through a traditional check either! You can get your money in hours rather than days. On top of that, our online loans are a great way to build your credit because of our approval criteria.

What type of personal loan is easiest to get approval for?

Three types of personal loans are easy to get approved for. These three types of loans include a car title loan, a payday loan, and a personal loan without a credit check. These loan types provide quick funds and have very few requirements, which is what makes them great for someone with less-than-perfect credit. According to TransUnion, almost 30 million Americans have taken out a personal loan, perhaps, because it is an easy loan to get approval for.

How easy is it to get a $5000 personal loan?

If you have a bad credit score, it can keep you from getting a personal loan from a traditional lender. It’s easier to go with King of Kash and get a bad credit loan online. Using a reputable online lending network is one of the easiest ways to get a personal loan for $5000. Sometimes, getting a cash advance isn’t enough to cover your most pressing needs. If your credit score is below average, you could jump through hoops for other lenders and still not get the money you need. We make the borrowing process easy, so you can get the money you need fast.

Does getting a personal loan lower your credit score?

Getting a personal loan can affect your credit score negatively or positively. Credit scores are calculated by including numerous factors. For some borrowers, obtaining a personal loan may actually raise their credit score. For others, it could lower it a bit.

How much would a $5000 loan cost per month?

The monthly installments on a $5000 loan will vary based on the going interest rates and many other factors. However, it’s important to note that once the loan has been secured and payments are in place, they will not change for the duration of the repayment period. When you work with your personal loan lender, they will make sure you know what your payments will be each month.

What Do I Need to Apply for a Loan?

We’ve streamlined our online loan application process to make it quick and easy to apply. Just have the information below handy while filling out our convenient online form.

  • Government-issued ID & over 18 years of age
  • Social Security Card
  • U.S. Citizenship
  • Proof of income & employment (current pay stubs)
  • Open and active checking or savings account
  • Visa / Mastercard card in your name

Getting a Bad Credit Loan is as Easy as 1-2-3

1. Call or Apply Online

We have more than 40 years of actively providing affordable loans for people with low credit. We’ve streamlined our personal installment loan approval process down to a science so you don’t have to spend hours going back and forth just to get your application submitted.

Our easy online loan application process is simple, secure, and fast! All you need to apply is your government-issued ID card, proof of employment (pay stubs), verifiable Social Security Number & phone number, and an open checking or savings account with a Visa or MasterCard card.

2. Fast Approval

Getting your bad credit online loan, there is no collateral required regardless of your rating or history, and your ability to qualify for one of our online personal loans is based on your ability to repay the loan! This lets us process your application and approve it in a matter of minutes so you can get the money you need in your hands ASAP.

3. Get Your Cash in Hours, Not Days!

Once you’re approved for a King of Kash online personal loan, you can pick up your cash at the nearest King of Kash store location or have the money deposited directly into your checking or savings account!

Approval Odds for Online Personal Loans

Just because you have a bad credit score doesn’t mean you cannot get an online personal loan. Personal loan lenders like King of Kash actually tailor their offerings for people who have less-than-perfect credit scores. Traditional lending institutions such as banks typically require a credit score of at least 690. For many people who have hit hard times, that isn’t reasonable. You can qualify for a personal loan through a lender that works with individuals who don’t have ideal scores. These lenders help people get the money they need for an emergency expense, consolidating credit card debt, or some other pressing need. We are dedicated to making the application process simple and funding fast.

What is the credit score required for a personal loan?

At King of Kash, we take into consideration your ability to repay a loan. Personal loans are not granted solely on the basis of a credit score.

What is the most likely reason to get approved for a personal loan?

The most likely reason to get approved for a personal loan at King of Kash is to demonstrate that you have a source of income through which the loan can be paid back.

What disqualifies you from getting a personal loan?

While we make it easy for you to qualify for a personal loan, you will have to meet some qualifications, such as having an open and active checking or savings account. You’ll also need a working cell or home phone. Proving that you are who you say you are is important, too. So, you’ll need to provide a valid SSN and a photo ID. You may be disqualified from obtaining a personal loan if you don’t have these items.

What is the lowest credit score for a personal loan?

At King of Kash, we don’t do a traditional credit check. We use other qualifications, so a low credit score may not exclude you from being eligible for a loan with us.

Online Personal Loans With Monthly Payments

If you’ve ever struggled with having bad credit, you know how tough it can be to get approved for a credit card or any type of loan for that matter. However, lenders have been loosening their lending restrictions over the last decade and it’s easier than ever to get a personal loan with bad credit.

Benefits of Bad Credit Online Loans

  1. No credit check, which means your score and credit report won’t be affected
  2. No collateral is needed to qualify for a personal loan, no matter how bad your credit is
  3. Easy approval is based on your ability to repay the loan
  4. Repayment structure is simple and affordable
  5. Borrower’s market means plenty of private lenders available

How do bad credit loans online work?

In a nutshell, when a bank or credit union reviews an application for a borrower with poor credit, they’ll either deny it outright or approve it. However, approvals often come with higher interest rates or longer repayment terms. This is because they look at those borrowers as having a higher risk than ones with good credit. Yes, you’re being charged more money than someone else simply because you had some financial hardships. Is that fair? No, but that’s how the lending industry works.

Lenders balance out the higher risk of funding a loan for someone with poor credit history by charging higher interest rates. Typically, people with poor credit have a history of not paying their bills on time, or not paying them at all. Lenders are basically trying to recoup the initial loan as fast as they possibly can before the borrower starts missing payments. Again, is this fair? No, but we don’t work that way.

At King of Kash, our fast loans for bad credit work exactly the same as our quick personal loans. We treat every potential buyer exactly the same and give you the best possible interest rate we can.

What makes our online loans different?

Major financial institutions and banks may turn down your loan application because they keep their restrictions high, so they only approve borrowers with great or perfect credit scores. If they do approve you, you may have a ridiculously high interest rate and zero bargaining power to bring it down to an affordable number. While this protects the lenders, it leaves you high and dry without the money you need.

You can easily get approved for personal loans online at King of Kash. We keep our loan terms to 12 months so you can pay them off quickly rather than paying hundreds of extra dollars in interest over two, three, or even four years. Our fixed interest rates make all of your payments equal, so you never have to guess what your loan payment will be.

Have bad credit? No problem!

You may be in a hole that you feel like you can’t get out of, but at King of Kash, we know that everybody needs financial help from time to time. Whether you need a bad credit online loan, debt consolidation loan, home improvement loan, or auto repair loan since your car broke down, we can help.

No matter what your financial standing is, your ability to qualify for one of our small personal loans is based on your ability to repay the balance and not your financial history or how much collateral you’re able to put down at signing. Our loans can be repaid in easy monthly payments. This can even help you improve your credit score, so you get the money you need without it impacting the rest of your life.

Frequently Asked Questions

A personal loan is an unsecured loan that does not require a traditional credit check or an asset to be put up as collateral in order to qualify.

This varies from application to application, but if you’re approved, you’ll receive an instant approval decision, and provided that all of the information on your application is correct, you’ll receive your money by the next business day. However, if your application is incomplete, contains incorrect information, or requires special consideration, it may take longer for you to get your money.

No, it shouldn’t. When you apply for one of our personal loans, we perform what is known as a soft credit check. This type of check is only visible to you and should not impact your score.

After you’ve been approved, you can stop by one of our stores in the Missouri area to pick up a check. If you don’t live near one of our physical locations, or you’d rather not drop by, we can deposit your loan directly into your bank account with the information you provided on your online loan application.

No, and we actually encourage you to pay off your loan as quickly as possible.

Unsecured personal loans do not require any collateral. They are issued based on income and credit. The lender assumes the greater risk rather than the borrower. Failing to repay an unsecured personal loan will not result in the loss of a vehicle or other property, but it can have a negative impact on your credit score, especially if it ends up in collections.

Personal loans are one of the best types of loans with lower interest rates. You do not have to put up any collateral, so you don’t have to risk losing your house or your car. Just remember that it is a loan that needs to be repaid according to the terms you agreed to.

Here are a few types of loans that should be avoided.

  • Payday Loans. This type of loan is repaid with a single, large payment. You usually have to make the payment with your next scheduled paycheck, and the interest is usually very high.
  • Credit Card Advances. This short-term loan charges very high interest rates. Most credit cards issue additional fees, and it can have a negative impact on your credit score.
  • Title Loans. You can get a short-term loan using your vehicle as collateral. You show them your car title and get a loan. However, you’ll also pay a very high interest rate, and if you fail to pay, your car will get repossessed.

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