89 Cash loan: amounts, rates and terms
Direct answer: requesting an 89 Cash loan
An 89 Cash loan is not a loan issued by 89 Cash itself. The website forwards a loan request for potential consideration by participating lenders. Decision time, APR, fees, repayment terms, and availability vary; no approval or funding time is guaranteed.
Start by selecting an amount, then review any lender's written agreement before accepting. See who makes the lending decision.
What to expect from a loan offered through 89 Cash, and how to judge whether it fits your budget.
Short answer: An 89 Cash loan is a personal loan made by a participating lender you are matched with through 89 Cash. Requests run from $200 to $5,000, APRs from 4.95% to 35.95% and terms from 65 days to 84 months, depending on the lender and your profile.
Key figures
| Item | Range |
|---|---|
| Request amount | $200 to $5,000 |
| APR | 4.95% to 35.95% |
| Term | 65 days to 84 months |
| Cost to use 89 Cash | Free |
Not every lender offers every amount, and offers are not guaranteed.
Worked example
Borrow $2,500 over 1 year at 10% APR with a 3% fee: you pay $219.79 a month and $2,637 in total, which includes $137.48 of interest. Your own offer will differ.
Basic eligibility
- US resident in a state where the service is available
- Adult with a regular source of income
- Active checking account and valid contact details
Each lender sets its own criteria.
Before you accept
- Compare the APR and total repayment, not just the monthly amount
- Check fees, late charges and renewal rules
- Confirm the lender is licensed in your state
- Borrow only what you can repay on schedule
Request a loan
Start your request in about 2 minutes. It is free and you can decline any offer.
Frequently asked questions
How much can I request?
Participating lenders offer $200 to $5,000. Not every lender offers every amount.
What APR and terms might I see?
APRs range from 4.95% to 35.95% and terms from 65 days to 84 months. Your offer depends on your credit, income and state.
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.
Is approval guaranteed?
No. No legitimate service can guarantee approval. Submitting a request does not guarantee you will receive an offer.