89Cash Loan Reviews (2023) – Is 89Cash.com Legit?

5/5 - (1 vote)

Are you looking for 89Cash Loan Reviews? It is a legal website that offers short-term loans to borrowers.

In this article, we will cover 89Cash Loan Reviews, how they work, and their requirements to qualify for a loan.

89Cash Loan Reviews


89Cash Loan Reviews

89Cash.com is an online platform that connects borrowers with lenders or lending partners who are willing to lend them money based on their provided details. It’s a short-term loan platform designed for lending money to needy people, and it’s free of charge.

Short-term loans are a type of loan that can finance temporary capital requirements. In this loan, you have to repay the loan amount along with the interest rate under the loan repayment duration.

They are very helpful in an emergency. Their loan process is simple and quick, but their interest rate is higher than other lenders. The lenders are helpful and make your process quite easy.

There are not enough 89Cash Loan Reviews on their official website to determine if they are legitimate. So, it visits other websites like TrustPilot, but it also lacks views. The lack of reviews increases my doubts about the trustworthiness of the website.

After that, we checked YouTube to check out the website reviews. Based on YouTube reviews, 89Cash.com loans secured 95 out of 100. The reviews are positive and safe to use. To make sure whether this loan is good for you, continue to read the article.

Loan TypeShort-term
Loan Amount$500-$5,000
Age18 years or above
FeeDepends on lender
Bad Credit ScoreAccepted
Late FeesYes

How 89Cash.com Work?

The working process of 89Cash.com is given below:

  1. First of all, visit their website 89cash.com.
  2. Follow the instructions to fill out the form. 
  3. After filling out the form, an inquiry will be submitted to their lenders.
  4. The company may respond to you on the same day or within minutes. 
  5. After accepting the loan, you’re redirected to the lender’s website, where you can check loan terms and conditions, including interest rate. 
  6. After accepting the loan terms, the lender will send the loan amount into your bank account. 
  7. You may receive your loan amount the next day. 

Related Article: Rockstar Loan Review 2023

89Cash Loan Requirements

The loan requirements can vary based on the lender. The following requirements are typically needed to be approved by lenders:

  1. Work at your current job for a minimum of 90 days.
  2. Be older than 18 and an American citizen or permanent resident.
  3. After tax deductions, have a monthly income of approximately $1,000 after tax deductions.
  4. You should have a checking account.
  5. Give both your working home and phone numbers.
  6. I need a working email address.

89Cash Interest Rate and Fees

89cash.com’s service is free for their users. It’s not a lending lender or lending partner and doesn’t offer lending services directly to customers. 89Cash.com is a platform that connects borrowers to lenders or lending partners based on the borrower’s provided details.

The lender will provide you with documents that contain all the fees and rate information for your loan. Always review your loan’s terms and fees before agreeing to them. The loan fees and interest rate are determined by your lender.

Loan late payment, non-payment, and loan renewal policies are written on the loan documents. Reviewing loan policies will help you save money on late and non-payment fees. If you sign the agreement provided by the lender, you agree to the loan terms and conditions.

89Cash Loan Advantages and Disadvantages


  • Safe & Secure: 89Cash.com uses industry-recognised and advanced security to protect borrowers information. They help borrowers connect with a helpful and approved lender. The application process is simple and safe. You just need to visit their official website and follow their instructions to fill out the paperwork.
  • Fast Inquiry Process: 89 Cash Loan will find a lender in their network that is willing to offer you a loan based on your provided information. After they connect with the lender, the lender will contact you to gather additional information, such as verification of employment, pay stubs, etc.
  • Loans starting at $500: A personal loan is a private matter for borrowers. There are various reasons for a personal loan, such as critical automobile maintenance, unexpected medical expenses, etc. That’s why their personal loans range from $500 to $5,000 (the exact amount may vary based on the lender’s programme and your state of residence).
  • Direct Cash Send: After the lender approves your loan request, the lender will send the cash directly into your account. You don’t need to visit the bank to deposit a check or pay check-cashing fees.


  • High fees and interest: 89Cash.com offers loans quickly, even with a bad credit score. But their fees and interest are higher than those of other lenders. The fees and interest can vary depending on the lender or lending partner.
  • Risk: This loan comes with a risk; it can put you in the worst financial situation. If you’re unable to repay the loan payment or make the payment late, you may have to pay fees. Loan policies are written in the agreement, and they can vary according to your lender.

Do I Know If My Online Loan is Legit?

It can be difficult to know whether a site is legit or not. If you are not careful about loan platforms, you might find yourself in a scam and potentially lose money. But you can learn how to check if a loan company is legitimate.

1. The lender assures approval

A reputable lender always needs to look at your credit, even after getting reports from all three major credit bureaus (Equifax, TransUnion, and Experian). Most lenders consider that you have a history of paying bills on time and in full to make sure you’re able to repay the loan payments.

Fraud platforms don’t consider your creditworthiness. They always try to find a high-risk borrower who is unable to repay the loan payments and bear high interest rates and fees. They are the borrowers by saying that they don’t care about your past; you deserve a loan!

2. The lender isn’t licensed to operate in your state

Every lender and loan broker needs to register in the state where they run their business, as required by the Federal Trade Commission (FTC). Borrowers can check the lender’s website to see in what state they conduct their business legally. A lender who doesn’t register in a state can be a loan scammer.

3. The lender requests payment upfront

Some lenders may ask you for prepaid debit cards, gift cards, or banking information. Usually, scammers say that they need this information for collateral, fees, or insurance. This is a scam. Real lenders also charge fees for your application or credit report, but those charges are deducted from your loan amount.

4. Lender makes calls, writes or knocks

If you receive a loan offer by phone, email, or even door-to-door request, don’t trust them easily. It’s illegal for companies to offer a loan over the phone in the United States. But sending out general advertisements to customers via email is not illegal for lenders.

5. Lender doesn’t have a physical address

Every real lender should provide a physical location. Checking it on Google Maps just in case is also a good idea. Addresses provided by scammers can actually be vacant lots, so it’s very important to verify the address.

If you don’t find any sign of a physical address provided by the lender, it can be a scam.

6. Lender puts pressures you to take action immediately

Don’t rush while applying for a loan. A reputable lender will not give you a deadline to apply for a loan. Lenders who put pressure on borrowers could be up to no good. It can be a trap to get you to make a decision under pressure without having time to do your research.

Keep in mind that finding a reputable and trustworthy lender is very important; it helps you make your loan journey hasstle-free.

Short-term Loan Alternatives

Short-term loans are usually a costly way to get a loan. The alternatives to short-term loans are:

  • Apply for credit with a cosigner.
  • Borrow money from family.
  • Make use of your emergency funds.
  • Secured personal loan.
  • Investigate payment protections.
  • Try personal loans with bad credit.
  • Consider a 401(k) loan.

Frequently Asked Questions

How will I receive the loan money?

When your loan is approved by your lender or lending partner and you sign the loan agreement, your loan amount will transfer directly into your bank account, usually as soon as the next day.

Are quick Cash loans safe?

Yes, quick cash loans are safe. They offer loans next-day or even immediately. These loans are good for those who need quick cash. But their fees and interest rates are higher than those of other lenders, which can make quick cash loans risky. Even so, they can trap borrowers into debt.

If I have bankruptcy or bad credit, can I still get a loan?

Generally, personal loans are offered to borrowers with good credit, although each lender has its own requirements. Short-term loans are suitable for borrowers with bad credit. If you can’t find a lender that can offer you a desired personal loan, then finding a lender who can offer you a short-term loan is good for borrowers.

What happens if I’m late with a payment?

Every lender has its own payment policy and fees. Check your agreement’s terms and conditions before signing it. You can speak with your lender directly as well.


We discuss almost all important topics about 89Cash Loan Reviews. All factors indicate that 89cash.com is a trustworthy and well-managed website. But their reviews on any site are almost negligible. However, YouTube reviews clearly state that it’s a positive website and can be trusted. Doing a little research on your own can help you clear your doubts.

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