Verify your .edu
Confirm you're an enrolled student with your school email. That's the whole application.
InstantNow onboarding · Texas-licensed
Small loans,made for students.
Verify your .edu, link your bank, get $25 to $100 in minutes. No hidden fees. No surprises. You see every dollar you'll owe before you sign.
0 min
Approval
$0
Hidden fees
0%
Transparent
Download on theApp StoreSoonJoin the waitlist to be the first to download.
Welcome back
Maya R.
M
Active loan · $15 remaining
$15 / $30 borrowed
Tier 2
Current
6 / 6
On time
+18
Score
Home
Cards
Activity
You
Payment received
$15.00 · just now
$25 disbursed
Arrives in 1–3 days
Schools onboarding
Texas A&MUTSAUT AustinRiceSMUBaylorU HoustonTCUTexas Tech
How it works
Three steps. About five minutes.
No paperwork, no waiting room, no credit check. Get verified once and your tier follows you.
Link your bank
Connect your checking account read-only so we can send funds and schedule your repayment.
Bank-gradeBorrow $25–$100
Pick your amount and repayment plan. Funds land in 1–3 days for free — or instantly for a small fee. Pay on time, unlock more.
Instant or 1–3 daysLoan products
Start at $25. Earn your way up.
Every tier shows the total you'll repay before you sign. Pay it back on time and the next tier opens.
Tier 1
$25
Single
$31
due in 30 days
Biweekly
2 × $15
over 30 days
Best for a first loan
Tier 2
$50
Single
$57.25
due in 30 days
Biweekly
2 × $28.13
over 30 days
Covers the week's gap
Tier 3
$100
Single
$113.50
due in 30 days
Biweekly
2 × $56.25
over 30 days
Unlocked after on-time history
Example: borrow $100, repay $113.50 in 30 days. Acquisition fee + $1 flat interest. Late fee is 5% of the scheduled payment after a 10-day grace period — never a flat charge. NMLS #2780724 · OCCC #2780724.
FAQ
The questions students actually ask.
Credit
No hard pull. Ever.
We don't run a hard credit check, so applying never dings your score. We verify you're a student and look at your linked account — that's it. Pay on time and we report the good history, which can actually help you build credit.
Late payments
10-day grace, then 5%.
Life happens. If a payment is late you get a 10-day grace period with no penalty. After that, the late fee is 5% of the scheduled payment — not a flat dollar charge, and never compounding. We'll always text you before anything is due.
Security
Bank-grade. Read-only.
We connect through the same encrypted infrastructure your other finance apps use. Access is read-only — we can see balances to schedule repayment, but we can never move money you didn't authorize. Your login credentials never touch our servers.
Loan sizes
Small amounts you can pay back.
We're not trying to put you in a debt cycle — we're trying to get you through the week without overdraft fees. $25 to $100 covers the real gaps: gas, groceries, a textbook. Pay it back on time and your tier grows with you.
Eligibility
Enrolled Texas students.
You need a valid .edu email from a participating Texas school, a U.S. checking account, and to be 18 or older. We're onboarding schools one at a time — join the waitlist and we'll tell you the day KashKit opens at yours.
Fees
None. Every charge is in writing.
The only charges you'll ever pay are the acquisition fee — $5 on a $25 loan, $6.25 on a $50 loan, $12.50 on a $100 loan — and, for single-payment loans only, a flat $1 interest charge. No handling fees, no monthly maintenance, no processing fees, no prepayment penalty. Every dollar is disclosed in your TILA statement before you sign, as required by Texas Finance Code Chapter 342, Subchapter F (§§ 342.252–342.256). If you miss a payment, the only added cost is a 5% late fee on that scheduled payment after a 10-day grace period (§ 342.259).
Contact
Talk to us. Real humans, fast replies.
Support
Stuck on a payment or verification? We'll get you sorted.
support@kashkit.usLegal & compliance
Licensing, disclosures, and consumer credit questions.
legal@kashkit.usPress & partners
Campus partnerships, media, and school onboarding.
press@kashkit.usMon–Fri · 9am–6pm CTSan Antonio, TXNMLS #2780724OCCC #2780724
Response time
Typical first response: 2 hours.
Drop us a note and a real person on the team will read it. No tickets bouncing into a void.
Get on the list. We launch by school.
Drop your .edu and we'll let you know the day KashKit opens at your school. No spam — one email when it's live.