89 Cash: one short form, offers from 350+ lenders
89 Cash loan: quick answer
89 Cash is a loan-request and referral website, not a lender. You can request an amount from $200 to $5,000, but a participating lender decides whether to offer a loan, its APR, fees, repayment schedule, and funding timeline. Completing a request does not guarantee approval or same-day funding.
How it works: Choose an amount, submit the request, and carefully compare any lender offer and required disclosures before accepting. Processing and funding times vary by lender, bank, and verification requirements.
Read the 89 Cash loan guide, lending disclosure, and rates and fees explanation.
89 Cash helps you request a $200 to $5,000 personal loan. Tell us how much you need and participating lenders may respond with offers. Free to use, no obligation.
- Request $200 to $5,000 in about 2 minutes
- Our form is a soft inquiry and will not affect your credit score
- See the APR and full terms before you decide
What is 89 Cash?
89 Cash (also written 89 Cash Now, at 89cashnow.com) is a free online request service that connects borrowers with participating lenders. It is not a lender. Lenders decide whether to make an offer and set the rate and terms.
Read the full guide to 89 Cash, see how an 89 Cash loan request works, or learn what 89 Cash Now means.
How it works
Fill in the form
Share the amount, purpose and a few personal and income details.
Review lender offers
If a lender can work with your request you will see the rate and terms.
Accept only if it fits
Read the agreement. If you accept, funds may arrive as soon as the next business day.
What to know before you apply
We are not a lender
Submitting a request does not guarantee an offer.
Rates vary
APRs range from 4.95% to 35.95%, depending on the lender and your profile.
Lenders may check credit
Our form is soft. A lender may run a hard check.
Rates, fees and a worked example
Frequently asked questions
What is 89 Cash?
89 Cash (89cashnow.com) is an online service that connects people who want a personal loan of $200 to $5,000 with a network of 350+ lenders. It is not a lender and does not make credit decisions.
What is 89 Cash Now?
89 Cash Now is the web address of 89 Cash, 89cashnow.com. It is the same free request service. You fill in one short form and participating lenders may respond with offers.
Is 89 Cash a loan or a lender?
No. 89 Cash is not a lender, broker or agent of any lender. Any loan, rate and repayment terms come from the lender that makes you an offer.
Does it cost anything to use 89 Cash?
No. The service is free to you and you are not obliged to accept any offer.
Will applying hurt my credit score?
Submitting our form is a soft inquiry and does not affect your score. A lender may run a hard credit check, which can affect it.
89 Cash learning center
Explore practical questions about 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 requestLoan request questions, answered
Is 89 Cash a direct lender?
No. 89 Cash is a loan-request and referral website. A participating lender, not this website, decides whether to offer credit.
How long does an 89 Cash loan request take?
Completing the online request may take only a few minutes. Review, verification, approval, and funding depend on the lender and your bank; no specific 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.
Illustrative borrowing cost: look beyond the loan amount
Before making a request, consider both the amount borrowed and the repayment structure.
| Example | Cash borrowed | Illustrative total repaid |
|---|---|---|
| 14-day single-payment loan, $15 fee per $100 | $300 | $345 |
| 12-month installment loan, 24% nominal rate, no fees | $1,000 | $1,134.72 |
What this means: These examples are different products and terms, not offers from this website. Compare the actual APR, fees, payment dates and total repayment.
Reference: CFPB consumer guidance. Figures are educational examples, not actual 89 Cash lender offers or guaranteed terms.