Radiant Cash Reviews

radiant cash reviews

Name: Radiant Cash

Description: Radiant Cash is a tribal lender offering short term installment loans.

2.8 of 5 stars 1 review
  • Customer Support
  • Cost of Loan
  • Funding Time
  • Application Process

Summary of Radiant Cash Loans

Radiant Cash Loans offers tribal loans to consumers that need fast cash. Tribal loans are short term installment loans that are repaid over time, unlike payday loans which must be repaid in full on your next paycheck cycle.  You can borrow a minimum of $300 up to a maximum of $1,000 for first time borrowers.  Interest rates are as high as 574.99%, depending on your financial situation and credit worthiness.  This is a very expensive form of borrowing and should be a last resort.

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  • Fast, easy access to cash
  • Typically funds loans within 24 business hours
  • Decent option for people with bad credit
  • Can repay the loan over time
  • Application process is very simple and fast


  • Not a good option for large purchases
  • Not good for people with average to excellent credit
  • Interest rates can be as high as 574.99%

Do Not Apply for a Radiant Cash Loan Until You Read This Review

Life tends to happen when we least expect it and if you are not financially ready you might turn to a small loan to help. Tribal loans are a little known product but offer a simple and quick application process that can potentially give you the money you need quicker than more traditional means of lending.

RadiantCash is a tribal lender that offers small short-term installment loans up to $1,000. These products are prefect if you are facing a car repair or simply need extra money for that vacation. This article will be an in-depth review of RadiantCash, giving you the information necessary to decide if they are the right fit for you.

What is Radiant Cash and How Does it Work?

As with most tribal lending websites, it’s important to have all the information present on the homepage and RadianCash does just that. The first item you see is the beginning steps to the application process, allowing you to select your loan amount and input basic information such as your name, email address and zip code.

From there, they provide potential clients scenarios where the RadiantCash product would be most applicable. Then they spell out how the application process works and how to begin applying for a loan.

The company advertises why RadiantCash is the right choice, listing significantly lower interest rates than payday loans or pawn loans, flexible payment options, emergency cash when needed and no FICO score check, which is not common in the industry.

Lastly, compliance is important and RadiantCash is part of the Online Lenders Alliance, a member of the Native American Financial Services Association, and is licensed by LDF Tribal Consumer Financial Services Regulatory Authority. Security for the website is provided by Norton.

Currently if you reside in Maryland, Massachusetts, Vermont, West Virginia, Georgia, Connecticut, Minnesota, Wyoming, Utah, New York, Texas, Oregon, Maine, New Hampshire, Montana, Colorado, Wisconsin, Arkansas, Virginia, Pennsylvania or the District of Columbia, you are currently ineligible for a loan with RadiantCash.

How Much Can I Borrow From Radiant Cash?

Radiant Cash Loan Rates and Terms

Mentioned in the introduction, RadiantCash specializes in small unsecured installment loans that allow for a quick approval and funding process. Currently, you can obtain loans ranging from $300 to $1,000 with interest rates as high as 574.99%. Funding typically occurs within 24-hours, allowing for an expedited process, especially compared to others in the financial sector.

In the FAQ section of their website, it clearly states that this product is for short-term emergencies or needs and is not a long-term financial solution.

Here’s How Much a Radiant Cash Loan Could Cost

How to Apply for a Radiant Cash Loans

As with many tribal lenders, the application process is quick and painless, with RadiantCash being no different. There are several places you can begin the application process, such as the homepage of clicking the create account button in the drop-down menu.

You will start by populating your information such as address, email, phone number and zip code. From there, you will need information such as your banking information, which is where your funds will go once approved. To check the status of your application process, you can log into your account, otherwise you will receive information via email.

When completing the application process, you can rest assured that your information and data is secure. RadiantCash states that all personal data is treated with respect and sophisticated technology is in place, ensuring all information is safe and secure.

The Advantages of Radiant Cash Loans

Once you complete the application process and gain approval, you will wait to receive the proceeds of the loan. These will be sent to the account you stated in the application process. Funds are generally put into your account via ACH the next business day, provided you submit information prior to 4:00pm CST.

If you wish to repay your loan early you can do so. Repayment of your loan early will benefit you because it will save you money on interest expense and will make your application look better if you need to return for another loan.

Should you change your mind once you’ve received your loan, you do have the right to rescind your loan by 4:00pm CST of the next business day immediately following the disbursement date. Ensure you read the loan document before signing to ensure your rescission period is correct.

The Disadvantages of Radiant Cash

According to RadiantCash’s website, you can apply for a loan on your mobile device. This makes it easier if you are in a situation where you don’t have access to a computer and need to apply quickly. As mentioned, these loans are for short-term financial solutions.

The company’s contact information is readily available at the bottom of their website, including the physical mailing address, phone number and email. These will come in handy if you have an issue or question about the loan process.

Overall, RadiantCash keeps up with the competition in all areas of the process, except for same day funding. While that’s not a deal breaker, if your emergency calls for same-day funding you may want to look elsewhere.

With your information being transmitted securely and the application process quick, you might find RadiantCash to be a good fit. Take the time to complete your own due diligence and see if this company is the right fit for you.

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Brian Allen has been helping people make smarter financial decisions for over 10 years. As the Editor-in-Chief for Goloans, Brian writes about sage financial advice, "how to" articles, and reviews about lenders and creditors.