Information
About Lender
CashCall is an online lender founded in 2003 and based in Irvine, California. The lender is licensed in all 50 USA states but most of the loans originated in California. The company’s mission is to provide personal and unsecured loans to its customers.
The company is not a BBB accredited business and has a A+ rating with the Better Business Bureau. There is a Government Action against CashCall. In 2022 the company agreed to pay $4.8 million to consumers in Arizona.
Key Features
Repayment Terms. CashCall has flexible repayment terms based on the loan amount and your credit score.
Origination Fee. CashCall charges an origination fee which will add to the total cost of the loan.
Online Application. You can apply online and get a decision in minutes.
No Collateral Required. CashCall offers unsecured personal loans which means you don’t need to put up collateral like a car or house to secure the loan.
Pros and Cons
Pros
Cons
Reliabilty
How to Apply for a CashCall Loan?
Apply. Start by calling 1-833-483-2274 to begin the process. The application is quick and easy, allowing you to apply for a personal loan over the phone.
Verification. You will need to send some important documents for verification. This can be done via fax or through a paperless option.
Approved. Once approved, your money could be deposited into your account as soon as the next business day. This fast approval process makes CashCall loans ideal for people needing quick access to funds.
Conditions and Requirements
Conditions
Requirements
Ways to Recieve the Money
Products
Other Personal Loans
Reasons for Loan Refusal
CashCall may reject loan applications for the following reasons: insufficient income, high debt-to-income ratio, low credit score which means higher risk of default. Incomplete or inaccurate information provided during the application process can also lead to rejection as well as residency restrictions based on state laws. If an applicant’s financial profile doesn’t meet CashCall’s lending criteria or if verification requirements are not met, the application will be denied. Active military members are not eligible due to CashCall’s compliance with the Military Lending Act.
How to Repay a CashCall Loan?
Repaying a CashCall loan is easy and flexible. You can set up automatic electronic payments from your bank account so you don’t have to do anything and have your monthly payments deducted automatically. Or you can make manual payments through CashCall’s online customer portal or by contacting their customer service. Make sure to follow the agreed upon repayment schedule to avoid late fees and negative credit score impact. CashCall doesn’t have prepayment penalty so you can pay off your loan early without any additional charge.
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Editorial Opinion
CashCall offers personal loan options to cater different financial needs with focus on flexibility and quick application. As an online lender, CashCall caters to those who needs fast access to funds without much paperwork. While they offer quick loan approval and disbursement, some borrowers may find the interest rates high compared to traditional lenders. CashCall is good for borrowers with urgent financial needs who wants quick application process but it’s important for potential clients to review the loan terms carefully to make sure it fits their financial goals and repayment ability.
Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment. Make sure to confirm whether the lender is licensed to operate in your state. You can verify this information with your state regulator or attorney general. Check if the lender is a member of a reputable association, such as the Community Financial Services Association of America. Membership in such organizations may provide an extra level of reliability. Carefully review all the terms and conditions of your payday loan contract. Thoroughly examine the interest rates on payday loans and ensure that your contract includes a detailed breakdown of the total cost of the loan. Take advantage of your right of rescission. Usually, you can rescind the loan within three days after signing the agreement. Alternatively, there is typically a "cooling-off" period, which allows you several days to thoroughly review the contract before making an informed decision to enter into a consumer loan agreement based on the terms specified by the lender. Choosing a payday lender is a significant decision that demands careful consideration and a good understanding of how such organizations operate.Important
How to Choose a Lender
Additional Resources
- How to Apply for a CashCall Loan
- How to Repay a CashCall Loan
- All CashCall Coupons and Promo for October 2026
