Signature Loans

Get What You Need Today

Loan Amount

I want to borrow $

Apply Online

Approval in Minutes

Get Your Cash Today!

Get Your Online Signature Loan Today!

Use Your Signature to Get the Financing You Need

Traditionally, collateral is required if you’re looking to borrow a huge amount of money. This can take the form of your home or vehicle, jewelery, tools and stocks and bonds. However, not all people are willing or unable to go this route and would rather not put their assets at risk in lieu of a loan.

Today, it is possible to borrow money even with the absence of a security.

What is a Signature Loan?

The term signature loan is often interchanged with personal loan. Some people also call it loan of good faith as lender banks on your good faith to pay the loan and nothing more. Regardless, these loans are unsecured loans that typically has so few qualification requirements that all you need to qualify is to sign the dotted line and the promise that you’ll repay the loan. This type of loan allows you to borrow a larger amount of money than a payday loan and you can pay it back over a longer loan term. You can then use the loan for any purpose such as celebrating your anniversary, going on vacation, funding education or consolidating your debt.

Benefits of These Loans

  • Borrow a Bigger Amount at Lower Interest Rates. Although credit cards and payday funding loans provide an almost instant access for emergency funding, the maximum amount that you can borrow may not fit your needs. Furthermore, these type of loans charge exorbitant fees and allow you access to moderate-higher loan amount with lower interest rate.
  • Payments for are More Manageable and Affordable. Since the payments for these loans are spread out equally into installments over the agreed loan term, they are more budget-friendly. You don’t have to make a huge financial sacrifice at one time, instead just make smaller ones over a period of time until the loan term is over.
  • Doesn’t Require Collateral. You don’t have to present any asset to qualify for an online signature loan. This means that you get to keep your house or car and still get the loan with no problem. This is also a good option for borrowers who are just starting to build credit and those who are renters.
  • Fast Approval. With fewer application requirements than other loan types, signature loans are one of the easiest to qualify for. Your credit score and credit history, while important, are not major factors into your application. This speeds up your approval and you can get your loan funded in hours, not days!
  • No Prepayment Penalties. Some types of loans have prepayment fees for paying off your loan early. At King of Kash, you can pay off your loan as fast as you want with no fees of any kind.

Risks of These Loans

  • It May Charge Higher Interest Rates. The absence of collateral make lenders vulnerable so to gain some sort of protection, they tend to raise their interest rate higher. However, these rates are still lower than other short term lending options.
  • Delinquent Payments Can Result to Reduced Credit Score. Failure to meet your payment schedule can cause negative impacts to your credit score. Make sure to provide timely payments in all your due dates to prevent any problem.

To mitigate these risks, do ask your lender questions for anything that is unclear to you and try to reach a reasonable loan agreement. Don’t settle with a loan deal that you’re not happy or comfortable with.

How to Get a Signature Loan Online

Getting an online loan is pretty easy these days. All you REALLY need is a signature, but it’s been made easier because you don’t have to present collateral or have a traditional credit check done. Once you’ve found a good lender, you only need to prepare the required paperwork and satisfy certain conditions in order to qualify.

Signature Loan Requirements

  • That you are at least 18 years and a resident of the USA.
  • You have a regular job and earn the minimum required salary.
  • Show proof of employment or income.
  • Active bank account
  • Working phone number for verification
  • Valid government issued ID with photo

Once you’ve submitted the requirements and satisfy the conditions, you just need to fill out the application form online or in person in the loan store. Lenders generally process the applications immediately and get back with a decision in a few minutes. Depending on the lender, you will get the borrowed funds in a few hours or by the next business day.

Getting approved has never been easier!

What Can I Use my Loan For?

Some loans you can only use for certain things and only at specific places. Not our Signature Loans. We want you to have the freedom to to use your money to fill your needs. Once you’ve been approved and your signature loan has been cashed, the money is yours to do with how you want.

How Do These Loans Work?

Signature loans work by putting in your signature as collateral for the loan instead of an asset. That means the lender relies on your good faith and character to pay the loan back. This can be advantageous to you if you don’t want to put your assets as stake but can be risky for the lender as he doesn’t have anything to secure the loan with.

As a result, you will find that these loans may have higher interest rates than traditional secured loans.

Each lender is different and principal amount can vary between $500-$20,000, payable from 6 months to 5 years or more. Interest is also applied to your loan.

You will work out with a payment schedule and loan term with the lender. You then pay off the loan into smaller amounts and in regular basis until the loan is paid off in full. Each time you give a payment, you are paying a portion of the interest and a portion of the principal amount.

Most financial institutions do not allow multiple loans at the same time. You need to finish paying off the existing loan before you can apply for another one.

Paying off these loans can be done in a lot of ways. First, you can personally visit the store and hand in the payment. Or you can do this through money order or via the telephone. If you authorize it, the lender may also automatically deduct the payments from your bank account on each pay date.

When Should You Get a Loan?

Getting a loan is a matter of personal call, it is after all, called a personal loan. This means you can get a signature loan at any point in your life as long as you satisfy the lender’s conditions.

You might consider applying for a loan to help finance an upcoming wedding, pay your medical bills, pay school tuition, to go on a vacation and to pay other expensive bills. Since you are allowed to borrow a higher amount than you can from a payday loan, signature loans are more useful for big-ticket expenses.

What to Consider When Getting a Loan

You need to look at numerous aspects before getting an online signature loan. First, you need to consider why you need the loan and how much you intend to borrow. Determine how taking this loan will impact your finances and if you will be able to make the necessary adjustments to make way for the payment.

You also need to work out a loan term. Some people prefer paying the loan off for a period of years so as not really feel the pinch of the payment. However, some people want to get over the loan quickly so they opt for a shorter term. What you choose depends on your own financial goals and circumstances.

You also need to consider if there are other fees and charges that come with the loan. Some online lenders ask for administrative fees while others charge for processing fees and / or an origination fee. Ask questions to understand more about the hidden charges that make your loan expensive.

It’s also good to work with a good lender to prevent being scammed and have your best interests upheld. Although getting a loan is a business transaction, some lenders like King of Kash really take it to heart to provide the best possible financing tools to their customers.

Getting Loans with Bad Credit and Bankruptcy

These loans aren’t just for people with excellent credit scores. In fact, a lot of lenders acknowledge that people with poor credit score are under served so they make their loans available to them as well. If you have declared bankruptcy in the past, you can still get approve for a loan although certain conditions may apply.

Lenders generally do not rely on your credit report when deciding if you’re fit for the loan, but that can still be a consideration. Just make sure to satisfy the conditions required by your lender, submit all the required paperwork, and make your payments on time and you should be eligible for better deals and rates in the future.

Signature Loans vs. Payday Loans

There’s always a big debate about which type of bad credit loan is best and it always boils down to signature loans vs payday loans. Allow us to set the record straight once and for all to definitively say that signature loans are better than paycheck loans and given the option, you should always choose the former over the latter. Even shopping around for an online payday loan won’t help you find a better deal. You can take us at our word, which is backed up by 20+ years of experience in the lending industry, but let us prove why our online loans are better.

Just as Easy to Qualify For

The main reason why paycheck loans are popular is because they’re ridiculously easy to qualify for, but so are signature installment loans. Just like easy payday loans, your credit score & history isn’t a major factor and your approval is based on your ability to pay back the loan. That’s one reason why they’re called signature loans, all you need to qualify is a signature.

Lower Interest Rates

Bad credit payday loans have notoriously high interest rates, typically no less than 400%, which is why they’re so hard to pay off. Signature loans for bad credit have a far lower interest rate which which means that the total cost of the loan will also be far lower than a paycheck loan.

Larger Loan Amounts

Cash advance loans are very short term loans that are based on your paycheck so you can’t borrow more than you make during a pay period. This is why you usually can’t borrow more than $2,000 from private payday loan lenders. On the other hand, you can be approved for up to $30,000 (or more) on a signature loan depending on the lending institution and your financial standing. Nearly 15 times the amount (or more) you would get from a paycheck advance loan and at a lower interest rate and they’re just as easy to qualify for.

Easy to Pay Back

These loans are a type of installment loan where the total cost of your loan (principal + interest) is summed up and then divided into equal monthly payments for the duration of your loan. This gives you an affordable monthly payment that never changes and can be factored into your monthly budget without majorly impacting your finances.

Get Your Next Loan with King of Kash!

If you need instant signature loans for one reason or another, come to King of Kash. King of Kash is a private loan provider that has served more customers than many banks and payday lenders, with an excellent track record and great customer service.

King of Kash loans specialist can work with your loan needs and they are highly flexible and understanding. We have many a variety of affordable payment plans that help you pay off your loans quickly and and that you can turn short term financial relief into long term financial success.

Apart from that, King of Kash is known to process loans quickly, provide decisions immediately and have high approval rates. They understand your financial sentiment and always willing to provide you the assistance you need through their financing tools.

Disclaimer: Content found on, including: text, images, audio, or other media formats were created for informational purposes only. The Content is not intended to be a substitute for professional financial advice. Always seek the advice of a professional accountant, CPA, or financial planner with any questions you may have regarding your finances. Never disregard professional advice or delay in seeking it because of something you read on this blog.

DISCLAIMER - How We May Contact You. By using this website and/or by providing us with your telephone number(s), you give us and our agents and assignees permission to call you and to send you text messages on such number(s) with information about the Account, the Application and your transactions with us. You also give us permission to communicate such information to you via email. You further agree that we may monitor and record telephone calls regarding the Account, the Application and your transactions to assure the quality of our service. We may make telephone calls and send text messages manually or we may use automated telephone dialing systems, text messaging systems and email to provide messages to you about the Account, the Application, your transactions, payment due dates, missed payments, and other important information. The telephone messages may be played by a machine automatically when the telephone is answered, whether answered by you or someone else, and may include pre-recorded messages. These messages may also be recorded by your answering machine. You promise that, unless you indicate otherwise, you own or customarily use the telephone numbers and email addresses that you give us. You also promise to notify us if you discontinue use of any telephone number or email address that you give us. You agree that we will not be liable to you for any calls, text messages or emails, even if information is communicated to an unintended recipient. You understand that, when you receive such calls, text messages, or emails, you may incur a charge from the company that provides you with telecommunications, wireless, and/or Internet services. You agree that we have no liability for such charges. You acknowledge that this consent forms part of a bargained-for exchange. You also acknowledge that you may opt-out of any of the forementioned communications by contacting us directly. You also acknowledge this disclaimer and your actions in providing us with your telephone number(s) constitutes express consent on how we may contact you.