Kashable is a distinctive financial platform known for offering personal loans primarily to employed individuals. With an emphasis on affordability and accessibility, Kashable’s products are tailored to serve those who might need financial assistance for unexpected expenses, debt consolidation, or other personal needs. Here, we evaluate Kashable’s loan services, examining their legitimacy, rates, terms, and customer feedback.

Overview of Kashable Loans

Kashable provides personal loans that are often accessible to a broader range of credit profiles, particularly catering to employees of participating employers. The service stands out for its automated repayment mechanism, which deducts loan payments directly from the borrower’s paycheck, simplifying the repayment process and potentially lowering the risk of default.

Loan Features and Terms

Kashable loans typically feature:

  • Loan Amounts: The amount you can borrow may vary, often depending on your income, employment status, and creditworthiness.
  • Interest Rates: Rates are generally competitive, especially for borrowers with steady jobs and fair to good credit profiles. Interest rates may be higher for those with lower credit scores but are usually fixed for the life of the loan.
  • Repayment Terms: Loan terms can range, offering flexibility based on the borrower’s budget and repayment capacity. Automatic payroll deductions are designed to make repayments convenient and reliable.
  • Speed of Funding: After approval, Kashable is known for providing quick access to funds, often within a few business days, which can be particularly helpful for urgent financial needs.

Eligibility and Application Process

To qualify for a Kashable loan, applicants typically must:

  • Be employed with a participating employer.
  • Meet certain income and employment duration criteria.
  • Have a fair credit history, although Kashable may be more lenient than traditional banks.

The application process is conducted online, where applicants can check their eligibility and potential rates without affecting their credit score (soft credit check). If an applicant proceeds with the loan, a hard credit check will be conducted.

Is Kashable Legitimate?

Kashable is a legitimate financial services provider with a reputation for transparent lending practices. Their partnership with employers and focus on affordability and responsible borrowing adds to their credibility. However, as with any lender, it’s important to read the full terms and conditions before taking out a loan.

Customer Reviews and Feedback

Feedback from customers is a vital aspect of assessing any loan service. Kashable generally receives positive reviews for their customer service and ease of use. Some borrowers appreciate the automatic payroll deduction feature, as it simplifies the repayment process. However, some reviews may highlight higher interest rates for those with lower credit scores, a common occurrence in the personal loan industry.

Comparing Kashable to Other Lenders

When considering Kashable, it’s important to compare its offerings with other lending options:

  • Interest Rates: While potentially higher for less creditworthy borrowers, Kashable’s rates are fixed, which can be more predictable than variable rates from other lenders.
  • Repayment Terms: The automatic deduction from paychecks can be convenient and reduce the risk of missed payments.
  • Loan Accessibility: The focus on serving a wide range of credit profiles makes Kashable more accessible than some traditional lenders.


Kashable offers a viable loan option for many, particularly for those with stable employment but perhaps less-than-perfect credit. The convenience of payroll deductions and fast funding are significant advantages. However, borrowers should ensure they understand the interest rates and fees before proceeding and consider their ability to repay the loan without undue financial strain.

Material Disclosure

FMSI.biz Notification

FMSI.biz serves solely as a bridge between borrowers and a network of lenders. We do not create loan agreements, make credit evaluations, or handle loan brokerage. Our platform does not impose service fees on users and is not an advocate for any participating lender of short-term loans. When you submit a request for a loan through our system, we facilitate the connection to independent lenders but do not assure a loan proposal will be made. Approval for a short-term loan via our website is not guaranteed. Lenders may perform credit inquiries with credit reporting bodies or receive credit reports from other sources. Lenders may request reports from major credit bureaus like Equifax, Experian, and TransUnion, or they may use other alternative credit information sources. Use of our website is entirely voluntary, and you are not required to engage with any lender or third party nor enter into a contract. The information provided here is for educational purposes and is not to be interpreted as legal counsel.

Clarification on Agency Role Please be advised that FMSI.biz is not a lending institution, does not issue loan offers, and is not engaged in the online loan brokering to lenders. We do not act as an agent or as a representative of any lender, nor do we take part in making credit decisions. Submitting a loan inquiry through our platform does not ensure that you will receive a loan offer or be approved for a loan. Some participating lenders might ask for documentation to be faxed. In certain cases, it might be necessary to visit a physical location to finalize your loan request process. Should you have queries regarding your loan, it is recommended to contact your lender directly.

APR Notice

State regulations may cap the Annual Percentage Rate (APR) that lenders are allowed to charge. APRs for different types of loans vary significantly. For cash advance loans, APRs may range from 200% up to 1386%, for installment loans the range is 6.63% to 485%, and for personal loans, APRs can be from 4.99% up to 450%, with variations depending on the lender. In states without APR restrictions or when borrowing from banks not subject to state regulations, the APR may be higher. The APR represents the annual cost of your loan, taking into account the total charge, the loan amount, the loan duration, repayment schedules, and the timing of payments. Before finalizing a loan agreement, lenders must disclose the APR and other loan terms to you by law. Please note that APRs are variable and may change.

Disclosure of Operations

This website is operated by a company that is not a direct lender, loan broker, or a representative of either. Our role is as a marketing referral service working with various lenders who may offer loan amounts ranging from $100 to $1,000 for cash advance loans, and even up to $35,000 for personal loans. The maximum amounts may not be available from all lenders, and there is no certainty that you will be matched with an independent lender who can meet your borrowing needs. This platform does not make loan offers but rather connects users with lenders. We do not charge for any product or service, nor do we represent any lender. Compensation may be given to us by lenders for advertising their services. We do not have any influence over lender actions and do not have access to full loan details, including APRs. Your lender is the best source for information about your loan terms, rates, fees, repayment schedules, and the implications of missed payments. Your registration details submitted here will be forwarded to one or more lenders. You are not required to engage our services to make contact with a lender, apply for credit, or accept a loan. Each lender's money transfer and repayment terms will vary, and state and local laws may govern repayment terms. Some lenders may require faxing of documentation. Please consult our FAQs for further information on credit and payment delays. These disclosures are informational and should not be considered legal counsel. This service's use aligns with this site’s Terms of Use and Privacy Policy.

Service Exclusions

Certain state residents may not qualify for short-term, small-dollar loans. Specifically, those from Arkansas, New York, New Hampshire, Vermont, and West Virginia are not eligible to use this service. The states where this service is available may change without prior notification.

Credit Considerations

This website’s operator is not involved in making credit decisions. Lenders you may connect with through this service might perform credit checks with credit reporting bureaus or obtain alternative reports to assess credit history, credit standing, and credit capacity. By submitting your details, you consent to allow lenders to verify your information and check your credit as needed. The loans offered by lenders in our network are intended for short-term financial relief and are not long-lasting financial solutions. Only take out a loan if it can be paid back by the upcoming pay cycle. For long-term financial health, it's advisable to seek out professional financial guidance. Failing to repay loans on time may result in additional fees or collection activities. Every lender sets their own policies, so please review them for more information. If you do not repay your credit as agreed, lenders may pursue collection actions. Each lender's policy on loan renewal varies, so it's important to read and understand their terms.