Quick loans are small, unsecured short-term loans. The biggest benefit can be found right in their name: they are quick! Unlike loans from banks or credit unions which could take a few days, weeks or even more to process; quick loans can put cash in your hands in just a day or two.
Quick loans are usually flexible. The repayment schedule can be designed according to your needs and financial possibilities. At Credit Cube you control how soon you wish to pay off your loan and there are no prepayment penalties!
You can get a quick loan even if you have existing debt or a bad credit history. However, in order to qualify for it you need to be employed or have a secure source of income to prove you can meet your obligations and repay the loan according to the repayment schedule settled between you and the lender.
Since quick loans are unsecured, you can get them without involving any type of collateral. They rely solely on your creditworthiness. If you have a bad credit score, you might find it difficult to be approved for a loan. However, quick loans, like the type Credit Cube offers, can also rely on your ability to repay according to your monthly income and expenses, apart from your credit score.
Bear in mind that if you do end up taking a quick loan or any loan in general, it's always a good idea to try and pay off your loan as soon as possible to save up on fees and interest. Always borrow only what you need and repay it back as soon as you can.
For more information about how to improve your credit rating, see our ten suggestions.
At Credit Cube, the application for a loan takes only a few minutes and it doesn’t affect your FICO score. Typically, if applications for quick loans are made with an online lender, then that is the average time it takes to fill them out. All you need is to provide some basic information such as your full name, a valid e-mail address and phone number, along with some banking information and proof of your current job or monthly income source.
Quick loans are usually approved a lot faster than other types of loans. There is a precaution any online lender takes by verifying (via a phone call or e-mail) the accuracy of the information you wrote in your application. Other than that, if you have all it takes, your approval can take seconds, minutes or a few hours, depending on the lender. At Credit Cube, your results can be available within minutes of submitting your application. The applications approved before 3PM EST are typically funded the next business day subject to your bank. In other words, if you apply today, you may receive the money as soon as tomorrow!
Payday loans are probably the quickest loans you can get, but typically demand to be repaid in full plus interest.
The finance charge ranges from $10 to $30 to borrow $100.
Secured personal loans are provided by some online lenders and you can get a quick loan against your car, personal savings or other assets. The rates are usually lower for secured personal loans, as they are less risky for lenders.
Installment loans are fast, flexible and the repayment is done according to a time schedule settled between the lender and the borrower. Typically, if any changes intervene, as the repayments are fixed, online lenders might charge some small extra fees. However, keep in mind that at Credit Cube there are no prepayment penalties!
CreditCube is a Tribal enterprise, wholly owned and operated by the Big Valley Band of Pomo Indians, a federally-recognized American Indian tribe and sovereign government. Any Agreement entered into as a result of this Application shall be governed by applicable Tribal and federal law. Each aspect of communication and transaction with/on this site will be deemed to have occurred in CreditCube’s Big Valley Band of Pomo Indian Reservation offices, regardless of the location where you are accessing or viewing this site.
⚠ Please note: This is an expensive form of borrowing. CreditCube loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long-term financial solution! Examples of emergency reasons why these loans might be used include unexpected emergencies, car repair bills, medical care, or essential travel expenses.
* Loan approvals are subject to underwriting. Approval may take longer if additional verification documents are requested. Not all loan requests are approved. CreditCube reviews your information in real-time to determine whether your information meets our lending criteria. You acknowledge that by completing and submitting the website application that you are applying for a Loan. We verify applicant information through national databases including, but not limited to, Clarity Services, Inc., a credit reporting agency, and we may pull your credit in order to determine your eligibility and ability to repay.
** Maximum loan amount is $500 for first-time customers. For returning CreditCube customers, rates may go down over time based on your CreditCube Loyalty Program status and your payment history with us. Please see our Loyalty Program page for more information.
*** Loan Applications processed and approved before 3pm EST Monday-Friday are typically funded on the next business day. Example: If your loan is processed and approved on Friday before 3pm EST, the loan will typically be funded on the following Monday. Deposit times may vary depending on your bank. Business Day means Monday through Friday excluding all federal banking holidays.
CreditCube does not lend to residents of Pennsylvania, Connecticut, Minnesota, New York, Vermont, Virginia, West Virginia and Georgia. Availability of installment loans in your state is subject to change at any time with or without notice at the sole discretion of CreditCube.