Understanding Personal Loans
A personal loan gives you a lump sum of cash you can use for almost anything—whether it’s covering unexpected expenses, making a big purchase, or combining multiple payments into one.
Unlike credit cards with variable rates, personal loans have fixed interest rates and set repayment terms. Your monthly payment stays the same, making it easier to budget and stay on track. Our application process is quick, and funds are often available within just a few business days.
At Cashbox Capital, we offer unsecured personal loans, meaning you don’t have to put up your home, car, or other assets to qualify.
Why a Personal Loan Might Be Right for You
Whether it’s an unexpected expense or a chance worth taking, access to funds can turn a stressful moment into a smart decision.
Whether you’re purchasing a second vehicle, upgrading your home appliances, or finally taking that dream vacation, a personal loan offers a structured and reliable solution. Unlike revolving credit, where balances can quickly grow, a personal loan provides a set amount with a fixed interest rate and predictable monthly payments—making budgeting easier.
With Cashbox Capital, you can borrow only what you need, enjoy a hassle-free repayment process, and even set up autopay so you never miss a payment. That way, you can focus on what truly matters—whether it’s handling life’s surprises or enjoying a well-earned getaway.
Top Questions From Our Customers
Get clear answers to common questions about our loan process and services.
No, providing your basic information will not impact your credit score. To determine how much you qualify for, we conduct a “soft pull” on your credit, which does not affect your score. If you decide to proceed with the loan application, a “hard inquiry” will be run to verify the accuracy of your application. This inquiry will be reported to at least one of the credit reporting agencies and may impact your credit score.
An unsecured loan isn’t backed by collateral. Instead, approval is based on your creditworthiness and agreement to repay. All personal loans we offer are unsecured.
We don’t charge application or prepayment fees. The only cost is a standard loan origination fee.
No—our process is streamlined and simple. Simply fill out an online application and an agent will reach out to explain your options.
Most borrowers receive their funds within 24 to 48 hours of approval. Please note that funding times may vary depending on bank processing times and holidays.