Updated May 12, 2024

Loan Places Like Speedy Cash

By Abby Erfe
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Do you need cash fast but think you've run out of options? Learn about other easy loan places like Speedy Cash.

Speedy Cash can help you out with the various loans they offer.

But what if it's not a suitable option? Or worse, what if your application got rejected?

It's not the end of the world.

We've gathered similar loan places for you. These other options offer quick funding and easy approvals.

And they can help you out with emergency expenses. Read on.

PRO TIP: Right now, one of the best ways to get cash is with Earnin: Get up to $750 per paycheck.

Where can you get loans like Speedy Cash?
Other loan places that let you borrow money include:
  1. Check Into Cash: $50 to $5,000
  2. ACE Cash Express: $100 to $2,000
  3. Advance America: $100 to $5,000
  4. CashNetUSA: $100 to $3,000
  5. OppLoans: $500 to $4,000
  6. LoanSolo: $100 to $5,000
  7. Check 'n Go: $100 to $5,000

7 Loan Places Like Speedy Cash

Lenders will have various loan amounts offered, processing periods, and repayment dates. Although this list can't offer as much as Speedy Cash, they may still be worth considering.

Let's start with a lender that can give you 50 bucks.

Keep in mind that some states prohibit payday loans. These include Arizona, Arkansas, Georgia, North Carolina, and Washington, D.C. On the other hand, loan places like Speedy Cash are available in Connecticut, Maryland, Massachusetts, New Jersey, New York, Pennsylvania, Vermont, and West Virginia. But due to strict laws, you also won't get payday loans and cash advances from them.

What motivated you to explore alternatives to Speedy Cash?

Check Into Cash

  • Quick and easy application
  • Fast approval
  • Fast funding
  • Highly accessible
  • Credit check needed

Loan amount: $50 to $5,000[1][2]
Processing time: Same day (in-store); upon approval (online)
Online application available: Yes

Check Into Cash is one of the biggest payday lenders in America. And just like Speedy Cash, you can get payday loans and installment loans from them.

Apply online or drive to their physical locations to start. You'll get quick results either way.

Online applications can get approved within a minute. And funds can get sent to your bank account within the next business day.

Check Into Cash is available in: Alabama, Arizona, California, Colorado, Florida, Georgia, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Oklahoma, South Carolina, Tennessee, Wisconsin[3]

Check Into Cash is one of the big names when it comes to payday loans. They even co-founded the Community Financial Services Association of America (CFSA).

It's an organization that represents non-bank lenders offering various financial services. That said, they uphold the highest standards when it comes to lending.

They even work with lawmakers and professionals. That way, they can ensure their customers are protected. Plus, it's how they provide excellent legal loan services.

For those who only need $50 quick, these $50 loan instant apps could be the perfect choice.

ACE Cash Express

  • Quick and easy application
  • No application fees
  • Flexible repayment
  • Great customer service
  • High APRs and fees

Loan amount: $100 to $2,000[4]
Processing time: Same day (in-store); upon approval (online)
Online application available: Yes

If you want to avoid application fees, ACE Cash Express can help you borrow small amounts at minimal costs. You can apply in-store and online. You can get your money quickly, too.

But if you're not too quick with repayment, you can extend your loan terms if you need more time. Although, it will come with additional fees and interest.

Struggling to get that approval? If you think your requirements aren't enough, you can bring along a cosigner. This can help increase your chances.

On the other hand, if you're having second thoughts, you can cancel your loan after approval within 72 hours. You'll just have to return the amount you borrowed.

ACE Cash Express is available in: Arizona, Arkansas, California, Colorado, District of Columbia, Florida, Georgia, Indiana, Kansas, Louisiana, Maryland, Minnesota, Missouri, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia[5]

What is your biggest concern when applying for a quick loan?

Advance America

  • No prepayment fees
  • Fast funding
  • Easy requirements
  • Considers bad credit
  • Flexible repayment
  • High-interest rates
  • With origination fees

Loan amount: $100 to $5,000
Processing time: Same day
Online application available: Yes

Advance America makes loans easily accessible, even for those with bad credit. So if Speedy Cash rejected your application for that very reason, you have another option.

You can apply online or in person in over 900 stores nationwide. Regarding repayment, you can also pay partially and extend your terms if you need to.

Advance America is available in: Alabama, California, Colorado, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nevada, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Wisconsin, Wyoming[6]

CashNetUSA

  • Fast funding
  • Quick approval
  • Considers bad credit
  • Customer support available 7 days a week
  • High APRs
  • Limited locations
  • Miscellaneous fees

Loan amount: $100 to $3,000[7]
Processing time: Same day if approved by 1:30 p.m. CT Monday to Friday; next business day otherwise
Online application available: Yes

CashNetUSA is another option that provides quick loan approval and fast funding. Unfortunately, these loans come with high-interest rates. Plus, there are more fees than usual. So it's best to budget before you apply.

On the plus side, you can get approved even without a perfect credit score. You may have better chances with your application.

CashNetUSA is available in: Alabama, Delaware, Idaho, Kansas, Louisiana, Mississippi, Missouri, South Carolina, Tennessee, Texas, Utah, and Wisconsin[8]

OppLoans

  • Fast funding
  • Easy application
  • Long-term loans available
  • No prepayment fees, late fees, or origination fees
  • High APRs
  • Higher minimum loan amount compared to other lenders

Loan amount: $500 to $4,000[9]
Processing time: Same business day
Online application available: Yes

OppLoans gets you fast and easy funds, like Speedy Cash, but it isn't a payday loan or title loan lender. It's an alternative that offers much better conditions.

There are longer loan terms, which can help make repayments more manageable. And if it's low-interest rates that you're after, you can join their Turn Up Program.

In this program, OppLoans will redirect you to their lending partners with more affordable interest rates. They'll check for loan offers of the same amount, which makes it convenient.

OppLoans is available in: Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Idaho, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Jersey, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and Wyoming[10]

LoanSolo

  • Available in 47 states
  • Minimal requirements
  • Many lending options available
  • Expensive fees
  • High APRs

Loan amount: $200 to $5,000[11]
Processing time: 1 business day
Online application available: Yes

This next option isn't really a lender. Instead, LoanSolo can find the lenders for you. They'll look for the right lender according to your needs, which can save you a lot of time.

They work with over 300 lending partners. So surely, there's no shortage of options, and you're likely to find a match.

LoanSolo is available in: Alabama, Alaska, Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and Wyoming

Check 'n Go

  • Fast funding
  • Considers bad credit
  • Long-term loans available
  • High interest rates
  • Late fees

Loan amount: $100 to $5,000[12]
Processing time: Same day (in-store); 1 business day (online)
Online application available: Yes

Check 'n Go is a payday loan alternative that lets you borrow small amounts with longer terms (up to 18 months).

With their installment loans, you have more time to pay off the same total that you would usually get with payday loans.

But don't forget to consider what your overall payment will look like. Just because your monthly installments will be lower doesn't necessarily mean you're saving money. High-interest rates and fees can still add up, making the loan expensive.

Check 'n Go is available in: Alabama, California, Delaware, Florida, Idaho, Indiana, Kansas, Maine, Michigan, Missouri, North Dakota, Oklahoma, South Carolina, Texas, Utah, Wisconsin, and Wyoming[13][14]

Now that you know your options, here's a refresher on Speedy Cash to compare.

What Is Speedy Cash?

Speedy Cash is a lending company that makes it easier to borrow money. They're better known for online payday loans, but they also offer installment loans, title loans, and lines of credit.

You can borrow $50 to $26,000 as long as you have a stable income or collateral to secure the loan.[15]

But before you apply, there are a few things to keep in mind.

If you're looking for more alternatives beyond traditional payday loans, consider using cash advance apps like Dave.

What to Consider Before Taking a Loan?

You don't just want to apply for any lender. Just as lenders take time to consider the people they lend to, you should also be critical of who to borrow from.

Here are some important things to take note of:

  • Loan Amount
    The amount you want to borrow should be clear to you before you apply for a loan. It'll help you know which lenders to look at and what offers fit your budget.

    But consider how the loan amount will affect your finances. Make sure you can manage repayments based on the terms. A personal loan calculator may be able to help you out.

  • Loan Requirements
    Every lender has a set of criteria to determine if you are eligible for a loan. They may look at your credit score, debt, and income.

    Your credit score lets lenders know if you've made your repayments on time with your previous debts. They'll know if you manage your finances well. You can strive for a credit score of over 600 to get the best offers.

    Need help with poor credit? You can learn about how to increase your credit score to start.

    As for your debt-to-income ratio (DTI), a rate of 36% or less is ideal. Although, it may be better to pay off all pending debts before getting an additional loan.

    Also, how much you make dictates the loan amount you qualify for. The higher the loan amount, the higher the income requirement may be.

  • Rates and Fees
    The loan will most likely come with origination fees to process your funds. There may also be penalties for paying too late or too early. These fees are the cost of your loan, so make sure they aren't too pricey.

    You can avoid such fees by looking for lenders and loan offers that don't include origination, prepayment, or late fees.

  • Loan Terms
    The loan term is the period of repayment required for your loan. It can range from a few months to a few years.

    Longer-term loans may require smaller repayments. But this can result in paying more interest. Shorter-term loans, on the other hand, may cost more monthly. But it can then save you from paying too much interest.

Having said all this, what if you can't meet the lender's requirements? There are other means to get extra cash. Let's talk about them.

What's your primary reason for considering a loan?

Loan Alternatives

While loans can fix some financial problems, you might not even need them in the first place.

Here's what you can do instead:

  • Borrow From Friends and Family
    If you only need a small amount and you have a couple of loved ones willing, then you can ask for their help instead. This way, you get to save on interest rates. They may also be more lenient with the terms.

  • Try a cash advance app
    There are several cash advance apps like MoneyLion that offer early access to your paycheck. If you're hesitant to borrow from friends or family, these apps could be your solution. And if you don't find your pick, you can also explore apps like Albert.

  • Earn Fast Money
    If borrowing from people you know is a little awkward, it might help to find other means to earn and save. We've gathered at least 25 ways to make money fast. You can learn about them to start.

  • Have an Emergency Fund
    Ultimately, you can achieve financial security by setting aside a set amount every paycheck. You can tap into this fund for your future needs and emergencies. You can make use of an emergency fund calculator to help you out.

FAQs

Are ACE Cash Express and Speedy Cash the same?
While ACE Cash Express functions similarly to Speedy Cash, they are different lenders. ACE Cash Express offers a smaller loan amount ranging from $100 to $2,000. On the other hand, Speedy Cash offers $50 to $26,000.

What happens if you don't pay back Speedy Cash?
Speedy Cash may cash in the check you provided when taking the loan. Or they could deduct the payments from your bank account. Collectors may also try to reach you through phone calls, emails, and letters. The worst-case scenario would be a lawsuit.

Does Speedy Cash check your credit?
Speedy Cash doesn't perform credit checks. Instead, they use TransUnion to verify your identification. Don't worry, this won't affect your credit score and is done discreetly.

What credit score do you need for Speedy Cash?
Speedy cash requires a minimum credit score of 670.

Bottom Line

If you're in need of extra cash, you don't really need to borrow from big lenders and banks. Loan places like Speedy Cash can help you get just that.

But beware of most short-term loans like payday loans and cash advances. They usually have high-interest rates and fees to make up for their ease and accessibility. These fees can add up and make the total cost of the loan very pricey.

That said, we've gathered the best options if you really need them. These are also trustworthy options you can check out.

References

  1. ^ Check Into Cash. FAQs: How much money can I borrow?, Retrieved 7/2/2023
  2. ^ Check Into Cash. Installment Loans, Retrieved 7/2/2023
  3. ^ Check Into Cash. Check Into Cash: US, Retrieved 7/2/2023
  4. ^ ACE Cash Express. Installment Loans, Retrieved 7/2/2023
  5. ^ ACE Cash Express. Locations, Retrieved 7/2/2023
  6. ^ Advance America. Store Locations, Retrieved 7/2/2023
  7. ^ CashNetUSA. Rates & Terms, Retrieved 7/2/2023
  8. ^ CashNetUSA. Where can I find a quick loan near me?, Retrieved 7/2/2023
  9. ^ OppLoans. FAQs: How much money can I apply for with an OppLoans online personal loan?, Retrieved 7/2/2023
  10. ^ OppLoans. Rates, Terms and Licenses, Retrieved 7/2/2023
  11. ^ LoanSolo. Disclaimer, Retrieved 7/2/2023
  12. ^ Check 'n Go. The Check `n Go Difference, Retrieved 7/2/2023
  13. ^ Check 'n Go. Check `n Go Location, Retrieved 7/2/2023
  14. ^ Check 'n Go. Loans Rates and Terms by State, Retrieved 7/2/2023
  15. ^ Speedy Cash. Rapid Cash, Retrieved 7/2/2023

Write to Abby Erfe at feedback@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.

Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.

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