One short form to request a personal loan from participating lenders
Tell us how much you need — from $200 to $5,000 — and lenders in our network may respond with an offer. Free to use and no obligation to accept.
- Request $200 to $5,000 in about 2 minutes
- Our form does not affect your credit score
- See the APR, fees and full repayment terms before you decide
Loan terms at a glance
Loans are offered by participating lenders, not by 89 Cash. Your actual amount, APR and term depend on your credit, income, state and lender.
- Loan amount
- $200 – $5,000
- APR range
- 4.95% min. – 35.95% max.
- Repayment term
- 65 days min. – 84 months max.
- Cost to use 89 Cash
- $0
Representative example: a $2,500 loan repaid over 12 months at a 10% interest rate with a 3% origination fee ($75, deducted from the loan proceeds) gives you $2,425 and requires 12 monthly payments of $219.79. Total repaid: $2,637.48. Finance charge: $212.48. APR: 15.80%.
What is 89 Cash?
89 Cash (89cashnow.com) is a free online loan-request and referral service. It is not a lender. You can request $200 to $5,000; a participating lender decides whether to make an offer and sets the APR, fees, repayment schedule and funding timeline. Completing a request does not guarantee approval or same-day funding.
Read the 89 Cash loan guide, our lending disclosure and the rates and fees explanation.
How it works
Fill in the form
Share the amount, purpose and a few personal and income details.
Review any offer
If a lender can work with your request, you will see its APR, fees, payment schedule and total cost.
Accept only if it fits
Read the agreement first. If you accept, funding timing depends on the lender and your bank.
What to know before you request
We are not a lender
Submitting a request does not guarantee an offer. Lenders decide independently.
Rates vary
APRs range from 4.95% to 35.95% depending on the lender, your credit and your state.
Lenders may check credit
Our form does not affect your score. A lender may run a hard credit check, which can.
Rates, fees and a worked example
Illustrative borrowing cost: look beyond the loan amount
The same lender can quote very different total costs depending on amount, APR and term. These examples use fixed monthly payments and no fees unless stated.
| Example | Monthly payment | Total repaid |
|---|---|---|
| $1,000 over 6 months at 24% APR | $178.53 | $1,071.18 |
| $2,500 over 12 months, 10% interest + 3% fee ($75 deducted) — 15.80% APR | $219.79 | $2,637.48 |
| $5,000 over 36 months at 35.95% APR | $228.88 | $8,239.68 |
What this means: A lower monthly payment over a longer term can cost much more in total. Compare the actual APR, fees, payment dates and total of payments in each lender’s disclosure.
Reference: CFPB consumer guidance. Figures are educational examples, not actual lender offers or guaranteed terms.
Frequently asked questions
Is 89 Cash a direct lender?
No. 89 Cash is a loan-request and referral website. It is not a lender, broker or agent of any lender. A participating lender, not this website, decides whether to offer credit and sets the rate and repayment terms.
Does it cost anything to use 89 Cash?
No. The service is free to you and you are not obliged to accept any offer. 89 Cash may be paid by lenders or partners; see our advertising disclosure.
Will submitting a request hurt my credit score?
Submitting our form does not affect your credit score. A lender may run a hard credit check before making a final offer, which can affect it.
How long does a request take?
Completing the online request usually takes a few minutes. Review, verification, approval and funding depend on the lender and your bank; no decision or deposit time is guaranteed.
What happens after I submit a request?
A participating lender may present an offer. Review its APR, fees, total repayment, due dates and credit-check terms before you decide whether to accept.
89 Cash learning center
Practical guides on borrowing, repayment and alternatives. Each guide addresses a separate decision.
Borrowing costs
APR, origination fees and comparisons
Repayment planning
Due dates, payoff and late payments
Alternatives
Bill plans and emergency options
Request readiness
Credit checks and income information
Ready to see what is available?
Free to use, about 2 minutes, and you decide what to accept.
Start your request