Personal Loans

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$100 – $3,000 Personal Loans from King of Kash

Borrowers are always welcome.

When you want money for anniversaries, vacations, school 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, or your credit history, you can have the money you need in no time with one of our online personal loans.

King of Kash offers personal loans on a 12 month term, with fixed monthly payments. We specialize in bad credit loans ranging from $100 to $3,000 so you can be approved even if your credit is less than perfect!

Unlike traditional lenders and banks, or 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 a friendly and professional organization should. Many of our loyal customers have borrowed multiple personal loans from us over the years.

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

Getting approved has never been easier!

What are Personal Loans?

A personal loan is an unsecured loan that does not require any collateral down to qualify and may come with a lower interest rate than a credit card for a low-risk alternative when you need money to get yourself out of a tight financial jam or to fund a family vacation.

Benefits of a Personal Loan

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

What Do I Need to Apply for a Personal Loan?

We’ve streamlined our online personal loan application process to make it quick and easy to apply. Just have the information below handy while filling out our 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 Debit or Credit Card in your name

Getting a Personal Loan is as Easy as 1-2-3

1. Call or Apply Online

With over 40 years of providing affordable loans for people with bad 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 getting your application submitted.

Our online easy 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 debit / credit card.

2. Fast Personal Loan Approval

With getting your bad credit loan online, there is no collateral required regardless of your credit score, and your ability to qualify for one of our online personal loans is based off of your ability to repay the loan and not your credit score or credit history! This lets us process your application and approve it in a matter or minutes so you can get your money 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 loan store location or have the money deposited straight into your checking or savings account!

Bad Credit Loans With Monthly Payments

Loans for Bad Credit

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. However, lenders have been loosening their lending restrictions over the last decade and it’s easier than every to get a loan even if you have a poor credit history.

Benefits of Bad Credit Loans

  1. No credit check so your credit score won’t be affected
  2. No need to put up collateral to qualify
  3. Approval is based off your ability to repay the loan
  4. Simple and affordable payment structure
  5. Tons of private lenders make it a borrower’s market

How do bad credit loans work?

In a nutshell, when a lender reviews an application for a borrower with poor credit, they’ll either deny it outright or approve it, but with a higher interest rate or longer term. This is because they look at those borrowers as higher risks than one with good credit. Yes, you’re being charged more money than someone else simply because you have bad credit. Is that fair? No, but that’s how the lending industry works.

Lenders balance out that higher risk of funding a loan for someone with poor credit history with higher interest rates. Typically, people with bad credit have a history of not paying their bills on time, or not paying them at all. They’re 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 bad credit loans work exactly the same as our personal loans. We treat every potential buyer exactly the same and give you the best possible interest rate we can.

What makes our online bad credit 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. 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.

You can easily get approved for loans with bad credit at King of Kash. We keep our bad credit 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 it all of your payments equal so you never have to guess what your loan payment will be.

Have bad credit? Not a problem!

At King of Kash, we know that everybody needs financial help from time to time. You may be in a hole that you feel like you can’t get out of from emergency medical bills, getting out of debt, or your car broke down and now you can’t get to work without a little help.

Good credit, bad credit, your ability to qualify for one of our personal loans is based of off of your ability to repay the balance and not your credit score or how much collateral you’re able to put down at signing. Our bad credit personal loans can be repaid in easy monthly payments 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 it 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 credit check is only visible to you and should not impact your credit 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.