How 89 Cash works

Three steps from request to decision.

Short answer: Complete one short form, review any lender offers, and accept only if the terms fit. 89 Cash is free and is not a lender.

Last updated 2026-10-11. Information is general and not financial advice.

Step 1: Fill in the form

Choose an amount from $200 to $5,000, the purpose, and share your details. It takes about 2 minutes.

If a participating lender can work with your request, you will see the APR, term and total cost.

Read the agreement. You are under no obligation to accept. If you do, funds may arrive as soon as the next business day.

This website collects personal information and shares it with third-party partners. See our privacy policy.

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.

What the request process does—and does not—establish

A referral form is only one stage in a potential credit transaction.

Step	What happens	What is not guaranteed
1. Request	You submit information	Approval
2. Review	A lender may evaluate eligibility	Specific APR or terms
3. Offer	You may receive a contract	A particular loan amount
4. Funding	Lender and bank process any approved disbursement	Same-day deposit

What this means: Only the actual lender’s written agreement establishes an offer.

Reference: CFPB consumer guidance. Figures are educational examples, not actual 89 Cash lender offers or guaranteed terms.