CashCall Personal Loans Review September 2026

Bills.com's Review

CashCall is a high-rate lender, best considered if you’ve run out of options with less expensive terms. It makes unsecured personal loans and advertises next-business-day funding. Its rates start around where many mainstream lenders top out, and stop just short of 36% APR, the ceiling the National Consumer Law Center recommends as the benchmark for affordable lending on small loans. That puts it above a bank, a credit union, or a mainstream online lender in what it will cost you, but below a payday or title lender. CashCall spent more than a decade in federal court over the triple-digit-rate loans it once sold, and was ordered to pay regulators $167 million. It no longer charges anything close to those rates, but its legal record is worth knowing before you apply.

About CashCall Personal Loans

If you’re considering CashCall, check cheaper alternatives first. Ask your own bank or credit union what you may be eligible for, and look at whether a home equity loan or line of credit fits your situation. If none of that fits the bill, CashCall gives you a fixed-payment installment loan rather than a revolving balance. It charges no prepayment penalty, so paying ahead of schedule can reduce your interest cost. Read all its paperwork before you sign, because amounts and terms vary by applicant and are subject to credit approval. The longest terms on offer run well beyond what you can get with most personal loan lenders, which lowers the monthly payment but raises what the loan costs you in the long term. For a borrower without a better offer on the table, this is the kind of loan that can help cover an emergency.