How Can We Help You?
How quickly can I get approved?
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Most applicants receive a decision within minutes of submitting their application. Our advanced system reviews your information instantly, and you'll see your personalized loan offers right away. If approved, you can often receive funds as soon as the same business day.
What are the loan amounts available?
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EpikCash offers personal loans ranging from $1,000 to $50,000. The exact amount you qualify for depends on various factors including your income, credit history, debt-to-income ratio, and employment status. Our system will show you all the loan amounts you're eligible for when you complete your application.
Will checking my rate affect my credit score?
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No! When you check your rate with EpikCash, we perform a soft credit inquiry which does not impact your credit score. Only if you choose to accept a loan offer and proceed with the full application will a hard inquiry be performed, which may affect your score.
What credit score do I need to qualify?
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We work with borrowers across a wide range of credit scores. While having a higher credit score (720+) typically qualifies you for better rates, we also work with applicants who have fair or even poor credit. Our approval process considers multiple factors beyond just your credit score, including income and employment history.
What interest rates can I expect?
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Interest rates vary based on your creditworthiness and other factors. Our rates typically range from 5.99% to 35.99% APR. When you complete your application, you'll receive personalized rate offers based on your specific financial profile. There are no prepayment penalties, so you can pay off your loan early without additional fees.
How long are the repayment terms?
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Loan terms range from 6 months to 84 months (7 years). Longer terms result in lower monthly payments but more interest paid over the life of the loan. Shorter terms mean higher monthly payments but less total interest. Use our loan calculator to find the right balance for your budget.
Are there any fees I should know about?
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We believe in transparency. There are no application fees, and we don't charge prepayment penalties. Some loan products may have an origination fee, which will be clearly disclosed before you accept any offer. All fees and costs are included in your APR and will be shown upfront.
What do I need to apply?
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To apply, you'll need: (1) Valid government-issued ID, (2) Social Security Number, (3) Proof of income, (4) Active checking account, (5) Valid email and phone number. You must also be at least 18 years old and a U.S. citizen or permanent resident.
Can I pay off my loan early?
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Yes! We encourage early repayment. There are no prepayment penalties, so you can pay off your loan at any time without additional fees. Paying early can save you money on interest charges.
How do I receive the loan funds?
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Once you accept your loan offer and complete final verification, funds are deposited directly into your bank account via ACH transfer. Most customers receive their funds within one business day, though timing may vary depending on your bank.
Is my information secure?
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Absolutely. We use bank-level 256-bit SSL encryption to protect all your personal and financial information. Our systems are regularly audited and comply with all industry security standards. We never sell your information to third parties.
What if I have bad credit?
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We work with borrowers of all credit levels. While those with excellent credit typically receive the best rates, we consider many factors beyond credit score. Even if you have bad credit, you may still qualify for a loan. Apply to see what options are available to you.