Is Quick Credit Connect legit?
Quick Credit is a legitimate lender, with loans provided by CC Connect, a division of Capital Community Bank (CCBank), a Utah chartered bank. It has high ratings on Trustpilot and a B+ with the Better Business Bureau (BBB).
It aims to protect your information through industry-standard encryption to secure your data, along with other physical, electronic and procedural safeguards. It also uses firewalls and virus protection to block unauthorized access, in addition to other security measures.
How Quick Credit Connect compares to other lenders
Compare other products
We currently don’t have that product, but here are others to consider:
How we picked these
What is the Finder Score?
The Finder Score crunches 3+ types of short-term loans across 65+ lenders. It takes into account the product’s interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate – this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you’re comparing the best short-term loans for all credit types, you can see how each short-term loan stacks up against other short-term loans with the same borrower type, rate type and repayment type.
Read the full Finder Score breakdown
What makes Quick Credit Connect shine?
Quick Credit Connect is transparent about its loan terms. It reveals interest rates, repayment options and the loan’s total cost in each state where it operates, although rates can vary depending on your qualifications.
It also stands out for its lack of fees, which is rare for a lender of this kind. That includes no late fees or NSF charges, in addition to no origination or application fees.
Where Quick Credit Connect falls short
Despite the fact that Quick Credit is up front about costs, its rates are still incredibly high, ranging from 185% to 225%. What that roughly translates to — at a rate of around 225% — is paying about $3,000 for a $1,000 loan if you stick to the 16-month payment plan. Other lenders that offer loans to borrowers with bad credit charge more reasonable rates.
Quick Credit Connect may also not be a good fit for borrowers looking for loans under $1,000, as that appears to be its smallest loan amount. If you just need a few hundred dollars to make it to your next payday, you may want to consider a cash advance app, which doesn’t charge interest or late fees.
Finally, Quick Credit only operates in 20 states, so it may not be an option for all borrowers. Check our list of top installment loan lenders to see what’s available in your state.
Quick Credit Connect loan details
| Minimum credit score/credit range | No minimum listed |
| APR | 185% to 225% |
| Loan amount | $1,000 to $3,000 |
| Terms | 16 to 30 months |
| Approval turnaround | As soon as the same day |
| Availability | Available in: Arkansas, Delaware, Florida, Idaho, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, Wisconsin |
| Fees | No fees |
Quick Credit Connect contact info
| Phone number | 888-995-1871 |
| Customer service hours | Weekdays: 7 a.m. to 6 p.m. CT Saturdays: 8 a.m. to 4 p.m. CT |
| Not listed | |
| X, formerly Twitter | N/A |
| @quickcreditconnect |
Calculate your monthly loan payment
Use our loan repayment calculator to compare monthly loan payments based on different rates and loan terms.
Fill out the form and click on “Calculate” to see your
estimated monthly payment.
or
$
per month
Based on your loan terms
| Principal | $ |
|---|---|
| Interest | $ |
| Total Cost | $ |
How to qualify for Quick Credit Connect
These are the qualifications Quick Credit lists on its website:
- At least 18 years old
- Live in a state the company operates in
- Job or other proven source of income
- Valid email address
- Active checking account
How to apply
The application process is supposed to be quick and easy, according to Quick Credit.
- Fill out a four-part application, which includes creating an account, providing personal and financial information and agreeing to its account disclosures.
- Receive a prequalified decision in minutes.
- Decide if you want to proceed with the offer. A hard credit check is likely required.
- Wait to receive funding, which could be as soon as the same day you apply.
The company states that you may be required to complete a bank eligibility verification if it can’t verify your application information.
Quick Credit Connect reviews and complaints
| BBB accredited |
Yes |
|---|---|
| BBB rating |
B+ |
| Trustpilot Score |
4.6 out of 5 stars, based on 1,380 customer reviews |
| Customer reviews verified as of |
17 June 2025 |
Quick Credit Connect has a B+ rating on BBB but no customer reviews. There is only one complaint, which appears to be a situation where a person fraudulently applied for a loan in someone else’s name.
The company has high marks on Trustpilot, with 85% of reviewers awarding it five stars. Satisfied customers praise the professional service and the fast approval and funding. Negative reviews complain of high rates, loan funding taking longer than expected and difficulty resolving account issues.
What do people on Reddit say?
The only post on Reddit about Quick Credit Connect is an emoji-filled, scathing review from two years ago. It makes some outlandish claims and feels a little like a smear campaign. There were no responses to the post.
Frequently asked questions
How soon will I get my money?
If your loan is processed before 10:30 a.m. CT on a business day, you can receive funding as soon as the same day. However, depending on your bank, the funds may not be available for withdrawal immediately.
Can I pay off my Quick Credit Connect loan early?
Yes. Quick Credit Connect has no prepayment penalties, so you can repay it as early as you like. In fact, the company encourages borrowers to make larger payments or repay it in full as soon as possible to save on interest charges.
Does Quick Credit Connect affect my credit score?
Yes. The company typically conducts a hard credit check when you apply, which can temporarily drop your score a few points. It also reports your payment history to one or more credit bureaus, so if you make any late payments, it lowers your credit score.
On the other hand, a history of on-time payments can help you build credit and qualify for less expensive financing in the future.
