Quick Credit Connect is an online lender that aims to help people with thin credit history get approved for short-term and installment loans up to $3,000. The site offers a range of loan types and repayment options and allows users to apply for a loan in minutes.
The application process is simple and quick, with most applicants being approved within 24 hours.
The company claims they do not perform a hard pull on your credit and do not require any personal documentation such as tax returns or bank statements. Loans are processed through their online lending platform.
- Easy approvals
- Flexible loan repayment terms
- No prepayment fees
- Funds deposited in 1 business day
- Interest rates range from 185-225%
- Doesn’t have the best customer support based on reviews
Why trust CreditPug? We are an independent editorial team with a mission to educate Americans on the importance of good personal finance. We are not compensated by the company in this review.
Who is Quick Credit best for
- Someone with poor or bad credit (from 500 to 620 credit score)
- If you’re in need of fast approval on an unsecured loan up to $3,000
- Are having trouble getting a loan approved from the bank
- Alternative to an online payday loan
Loan features
- Loan approvals in 5 minutes. If you have poor credit, it can be challenging to get approved for a loan. Quick Credit Connect makes it easy by providing a simple form and step-by-step instructions that walk you through the process of getting approved for a loan in minutes.
- They offer flexible loan repayment terms. When you apply for a loan, you can choose whether to pay it back over 12, 24, 36, or 48 months. You also get to decide whether you want your monthly payments to be even or uneven.
- Funds can be deposited in as quickly as one day. You can get the money you need in as little as one business day. They are a subsidiary of Capital Community Bank — which is chartered in Utah.
Why you’ll want to apply look elsewhere:
- High-interest rates. APRs range from 185-225%. Using the calculator on the pricing page the estimated APR for a $1,000 loan over a term of 16 months for a resident in Florida would be 224%.
- Not available in all states. They’re only available in 27 states. Make sure you live in a state they’re registered in before applying.
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Which states is Quick Credit Connect in?
Quick Credit Connect is available in the following states: Arizona, Arkansas, Delaware, Florida, Idaho, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Mexico, Ohio, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming and Wisconsin.
- Arizona,
- Arkansas
- Delaware
- Florida
- Idaho
- Indiana
- Kansas
- Kentucky
- Louisiana
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- New Mexico
- Ohio
- Oklahoma
- Oregon
- South Carolina
- Tennessee
- Texas
- Utah
- Washington
- Wisconsin
- Wyoming
- Wisconsin
Is Quick Credit Connect legit?
Yes, Quick Credit Connect is legit. They are a subsidiary of Capital Community Bank (CCBank), a Utah Chartered bank and have been in business since 1993.
- Limited customer reviews on Trustpilot and other sites. There are only 2 reviews on Trustpilot with an average rating of 3.5 stars out of 5. Wallethub has 11 reviews total with an average rating of 4.1 stars.
What do you need to qualify for a Quick Credit loan?
Quick credit has flexible requirements when it comes to minimum credit score and minimum income. You’ll need to meet the criteria below to have the best chance of approval:
- Residence: You live in one of the 27 states where Quick Credit loans are available
- Age: You are at least 18 years old or 19 if you reside in Alabama
- Income: You must be employed and able to make loan payments on time—recommended monthly income of $1,800 or more.
- Credit score: They don’t disclose a minimum or maximum credit score, however, we recommend a credit score over 570.
- Bank account: Have an active checking account with direct deposit.
Sites like Quick Credit Connect
| Quick Credit Connect | Urban Bad Credit Loans | Credit Ninja |
| APR 185-225% | Est. APR 19.99-300% | Est. APR 199-349% |
| Est. Loan Term 12-48 months | Est. Loan Term 18-60 months | Est. Loan Term 12-18 months |
| Loan amount $1,000 – $3,000 | Loan amount $250-$5,000 | Loan amount $250-$5,000 |
| Min. Credit Score 500 | Min. Credit Score 500 | Min. Credit Score 500 |
| Min. income $1,800 per month* | Min. income $1,200 per month* | Min. income $1,800 per month* |
How to apply for a loan with Quick Credit Connect
Here’s a step-by-step guide on how you can apply for a loan at Quick Credit Connect:
- Fill out the online form: The first thing you need to do is fill out the online application form. When you go to the Quick Credit Connect website, you’ll need to fill out some basic information before clicking the > Get Started button.
- Create an account: After clicking >Get Started, you’ll be taken to a new page to create your account. Here, you’ll need to set a password for your account. But don’t worry; you won’t need to verify your email just yet.
- Fill out your required personal information: Now that you’ve created an account, it’s time to fill out your personal information. Make sure you enter every detail correctly to avoid getting denied.
- Fill out your financial information: After filling out your personal details, you’ll need to elaborate on your financial information. This includes your checking account, social security number, and income.
- Submit your application: Before you can submit your application, you’ll need to tick all the boxes in their disclosure statement confirming you agree to the terms and conditions. Once done, click the submit button and wait for your results.
- Check your results: Last but not least, you’ll be notified of the status of your loan after a few minutes. When you click the blue RESULT button, it will automatically download your loan statement, where you can find the offer and whether or not you’ve been approved for a loan.
Bottom line
Quick Credit Connect caters to those with poor credit, offering loans up to $3,000 with fast approval and funding within a day. While the service is convenient, particularly for urgent financial needs, potential borrowers should be cautious of the high APRs ranging from 185% to 225%.
The simple application process and flexible repayment terms are positives, but it’s crucial to consider the overall cost due to high interest rates. If you’re in an emergency and exhausted all options this could be right for you if one is prepared for the high interest rates.
