CashCall Review
Installment Loans from $2,600 to $10,000
Fast approval • Secure application • No commitment
CashCall at a Glance
About CashCall
Founded in 2003 and headquartered in Anaheim, California, CashCall Inc pioneered the online installment loan industry before many of today's fintech lenders existed. With over 20 years in business, CashCall offers installment loans from $2,600 to $10,000 with repayment terms of 6 to 60 months, targeting borrowers who need larger amounts and longer repayment flexibility.
As a direct lender, CashCall uses a sophisticated underwriting model that considers income, employment history, and banking patterns—not just credit scores. This alternative approach allows them to approve 40% of applicants, including those with subprime credit (580-640 range) who might be declined by traditional banks.
CashCall's signature product is the 'Unsecured Personal Loan' with fixed monthly payments, no prepayment penalties, and APRs ranging from 126-177%. While this is still high compared to prime bank loans (6-36%), it's significantly lower than payday loans (400%+) or title loans that risk your vehicle. The longer repayment terms (up to 5 years) make monthly payments affordable—a $5,000 loan over 24 months might cost $300/month instead of $2,500/month with a payday loan.
With a 7.9/10 rating and 40% approval rate, CashCall is well-regarded for their transparent pricing (all fees disclosed upfront), professional customer service, and streamlined 48-hour funding. They're ideal for borrowers who need $3,000-$10,000 for debt consolidation, home repairs, medical bills, or major expenses and want the structure of fixed monthly payments.
Expert Opinion: Highly Recommended
CashCall is one of our top recommendations for borrowers who need $3,000-$10,000 and can afford monthly payments over 12-48 months. Their 126-177% APRs are high but reasonable compared to alternatives in the subprime space. The unsecured structure means you don't risk your car or home. We recommend CashCall if you've been declined by traditional banks (due to credit score 580-640), need a larger amount than payday lenders offer ($500-$3,000), and want predictable monthly payments. Before choosing CashCall, check if you qualify for lower-rate options: credit union personal loans (10-18% APR), peer-to-peer lending (Prosper, LendingClub at 8-36% APR), or even MoneyLion installment loans (150-400% APR but smaller amounts). If CashCall approves you at 126-150% APR, it's a solid option for debt consolidation or large expenses. Avoid the 60-month term unless absolutely necessary—shorter terms save thousands in interest.
Example Loan Cost
Representative example of a typical CashCall loan:
*This is a representative example only. Your actual APR and costs will depend on your credit profile, loan amount, and state regulations. Always review your loan agreement before accepting.
Pros & Cons of CashCall
Advantages
- ✓ Lower APR (126-177%) than payday loans, title loans, or most subprime installment lenders
- ✓ Large loan amounts ($2,600-$10,000) for substantial expenses
- ✓ Long repayment terms (6-60 months) make monthly payments affordable
- ✓ Fixed monthly payments—budget with certainty, no surprises
- ✓ 40% approval rate with credit scores as low as 580 accepted
- ✓ 48-hour funding after approval
- ✓ No prepayment penalty—pay off early to save on interest
- ✓ Over 20 years in business with strong industry reputation
Disadvantages
- ✗ APR (126-177%) still much higher than prime personal loans (6-36%)
- ✗ Minimum loan amount is $2,600—not suitable for smaller needs under $1,000
- ✗ Not available in all states (licensing varies)
- ✗ 40% approval rate means 60% of applicants are declined
- ✗ Longer terms (60 months) result in paying significantly more interest over time
- ✗ Hard credit inquiry will temporarily lower your score by 5-10 points
How to Apply for a CashCall Loan
Start Your Application
Visit CashCall's website or use our comparison tool to submit your application. You'll need basic personal information, employment details, and bank account information.
Get Approved
CashCall will review your application and make a lending decision within 48 hours. You'll receive notification via email or SMS.
Review & Accept
Carefully review the loan terms, including APR, fees, repayment schedule, and total cost. Only accept if you understand and agree to all terms.
Receive Funds
Once you accept the loan, CashCall will deposit funds directly into your bank account. Funds typically arrive within 48 to 96 hours.
Frequently Asked Questions
What is the APR for CashCall loans?
CashCall's APR ranges from 126% to 177% based on your credit profile, income, loan amount, and term. Borrowers with higher credit scores (640+) and shorter terms (12-24 months) get rates closer to 126%, while those with lower scores and longer terms (48-60 months) pay closer to 177%. For comparison, this is roughly half the APR of payday lenders (300-600%).
How fast can I get money from CashCall?
CashCall approves most applications within 48 hours. Once approved and you accept the loan terms, funds are deposited via ACH direct deposit within 1-2 business days. Total time from application to funding is typically 3-4 business days. This is slower than payday lenders (1 hour) but faster than traditional banks (7-10 days).
Does CashCall require collateral?
No, CashCall offers unsecured personal loans—no collateral (car title, home equity) required. Approval is based on your income, credit history, and ability to repay. This eliminates the risk of losing assets like your car (title loans) or home (secured loans).
Alternatives to CashCall
While CashCall is a solid choice, you may also want to consider these alternatives:
- → Credit Union Payday Alternative Loans (PALs) – Lower APRs (28% max) but slower approval
- → Installment Loans – Longer terms (6-24 months) with smaller monthly payments
- → Cash Advance Apps – $50-$250 advances with low/no fees (Earnin, Dave, Brigit)
- → Compare Other Lenders – See all 30 lenders in our network
Ready to Apply with CashCall?
Get started in minutes. Fast approval, secure application, no commitment.
Apply Now at CashCall →⚠️ Important Disclosure
High-Cost Loan Warning: CashCall loans have APRs ranging from 126% to 177%, which is significantly higher than traditional bank loans. These loans are intended for short-term financial needs only and can be expensive if not repaid quickly.
Responsible Borrowing: Only borrow what you can afford to repay on time. Late or missed payments can result in additional fees, collection actions, and damage to your credit score.
Editorial Independence: Credizen.net is a comparison service. We may earn a commission when you click on lender links or apply for a loan through our platform. All reviews and ratings are based on publicly available data and user feedback. CashCall has not influenced this review.
Emergency Financial Help
If you're experiencing financial difficulties, contact your local financial counseling service.
- South Africa: National Credit Regulator - 0860 627 627
- Romania: ANPC - 0213142200
- Colombia: Superintendencia Financiera - (571) 594 2222
- Poland: KNF - 22 262 5000