To apply for a personal loan through RapidCash, applicants must be at least 18 years of age (19 in NE/AL), be a U.S. citizen or permanent resident, have a steady verifiable source of income (monthly income of at least $1,500), and maintain an active checking or savings account.
1. Driver's License or Government Photo ID: Valid Driver's License, Passport, or State ID.
2. 3-Month Bank Statements: Recent 3 months of bank account activity demonstrating cash flow.
3. W-9 or W-2 Tax Form: Taxpayer Identification W-9 form or W-2 wage statement for income confirmation.
You can upload these directly in 3 dedicated upload boxes in your portal or application form.
No! Submitting an initial inquiry or application wizard request uses a soft credit inquiry, which does not impact your credit score. A hard credit inquiry is only performed if you formally accept a final loan offer.
Once your application and uploaded verification documents are reviewed and approved by underwriting specialists, funds are disbursed via direct deposit into your verified bank account as fast as 24 hours (1 business day).
No. All personal loans offered through RapidCash feature zero prepayment penalties. You can make extra payments or pay off your full principal balance at any time without incurring additional fees.
RapidCash uses bank-grade 256-bit SSL encryption for data in transit and AES-256 field-level encryption for sensitive data at rest (including SSN, routing numbers, and account numbers). Unauthorized staff or third parties cannot view unmasked sensitive information.
Personal loan amounts range from $1,000 to $50,000, with repayment term options of 12, 24, 36, 48, or 60 months. Fixed APR interest rates range from 6.99% to 24.99% based on credit profile and underwriting evaluation.
If underwriting requires further verification (such as a utility bill for proof of address or pay stubs), your application status will update to "Action Required: Documents Needed", and you can easily drag & drop additional files into your customer portal upload zone.
Still have questions?
Our support team is here to assist you with your application or document upload questions.
