Loans like Speedy Cash: 6 Best Alternatives

Loans like Speedy Cash: 6 Best Alternatives

Speedy cash is an online lender with a reputation for providing quick and convenient loans. If you need a personal loan, Speedy’s services might seem like the best option. But there are other lenders and apps like Speedy Cash, some of which can offer better rates or longer repayment terms. In this article, we’ll take a look at six top alternative apps to Speedy cash for those who want to borrow money quickly.

Need Money Fast?

Sites Like Speedy Cash: Best Alternatives

A direct lender, Speedy cash has payday, installment, title, and other best cash services in-store and online with instant funding. The money can be in your pocket in as little as one business day if you apply online, visit one of their locations, or use their apps.

A lot of the best instant money apps like Speedy Cash offer similar services, but it is important to find one that is reputable, certified and has a good reputation. We’ll take you through the best apps that are similar to Speedy cash and explain how they differ from the original lender. 



The PayDaySay belongs to the best apps that provide users with small personal loans for financial and emergency needs. The app enables you to handle money sources directly from your smartphone. They provide instant money lending for different things: 

  • Emergency
  • Installment 
  • Debt consolidation
  • Business
You don’t need to worry about membership fees since they don’t charge them. Repay time is between 1 and 3 months, depending on your situation. They do have high-interest rates that go up to 2.29%. Due to their non-responsibility to any credit bureau, PayDaySay will not affect your credit score.

In most cases, you can lend money with basically no paperwork and by only providing a few personal details. They offer small installment money lending of up to $1000 and payday loans of up to $500. If you’re looking for free loan apps that have some features like Speedy Cash but with different loan types, PayDaySay has to be on your list!


  • They offer 5 different types of loans, from $100 to $5,000.
  • Free of fees.
  • Application is processed in real-time.


  • Interest rates can be over 2%.
  • The instant loans they offer are mostly short term.

Ace Cash Express

Ace Cash Express

Ace Cash Express is a payday loan and checks cashing service with over 1,600 locations in 22 states. You can apply for a payday loan online or in person at any Ace location. Providing short-term financial assistance to consumers in need of small installment loans –  the company bills itself as an alternative to traditional banks and credit unions.

The company provides borrowers with multiple short-term loan options. Lenders have various kinds of payday as well as installment money lending to meet the instant needs of borrowers.

Payday loans range from $100 to $2,000, depending on your state laws. As for the fees, the CSO fee is $30 per $100 you borrow. Ace has set itself apart from other payday lenders by having longer-term loans of up to 31 days, instead of the typical 14-day maximum offered by many other lenders.

Payday loans are typically due upon receipt and can be paid off early if necessary (without penalty). If you need an instant short-term loan within four weeks, then this app is ideal for you. Ace payday loans can be obtained instantly in the states listed below:

State Loan Amount
California $100 – $255
Idaho $100 – $1,000
Kansas $100 – $500
Louisiana $100 – $300
Minnesota $100 – $500
Texas $100 – $1,500


  • They offer offers multiple short-term loan options.
  • If you live in one of the before mentioned states, you can apply instantly.
  • It’s possible to cancel the loan in 72h.


  • It can be very hard to qualify for a loan.
  • There is no mention of an interest rate (APR) or fees on the official site of the company.

Advance America


Advance America is one of the best apps that provides its customers with a variety of payment options. You can make payments by check or cash at any time, set up instant withdrawals from your checking account – or make payments via phone or online banking. They offer different types of loans:

  • Installment 
  • Title 
  • Personal lines of credit 

There is a difference in interest rates and fees depending on where you live. Before viewing loan offerings, you’ll need to provide your zip code when applying for an Advance America installment loan. Even if you don’t have good credit, you may be able to lend money from Advance America. Lending amounts start at $100, but they can differ depending on the state you live in.

There are a lot of apps like Speedy Cash, but if you want to avoid loan apps that charge an APR in the triple digits, you should consider Advance America.


  • They offer instant funding.
  • Provides instant lending to people with bad credit scores.
  • Easy application process.


  • Different interest rates and fees.
  • The minimum amount you can borrow is $100.

Check Into Cash


Check Into Cash is a payday loan lender that lends money to people with bad credit. The company is a national chain, with over 1,000 locations throughout the United States. Check Into Cash offers payday, title loans, and tax services. Money lending typically ranges from $50 to $1,500, but it depends on the state you are in. 

There are no interest charges on payday loans at Check Into Cash. Depending on your state, they charge a flat fee between $10 and $30 per $100 borrowed. Depending on the loan, a Check Into Cash payday loan may have an APR of 400% to 1,000%. This is why it’s important to check your state laws.

If by any chance you miss a payment date, Check Into Cash will charge you a Late fee of around $25 to $30. If you need a lot of money within a short period, Check Ito Cash is one of the best apps out there.


  • Easy apply process.
  • They don’t do a thorough credit check.
  • Instant payout.


  • Their terms are unfavorable and they charge high service fees.
  • You can get a cash advance for seven, fourteen, or thirty days.

Check ‘n Go


Another great example of best cash services is loan app Check ‘n Go. This payday cash provider offers payday loans, check cashing, money transfers, and other financial services to customers throughout the United States. They have over 1,500 locations in 25 states so you should be able to find one near you easily—and they’re open seven days a week! Money lending amount starts at $100 and goes to $865.

Their fees are ranging from $25 to $134.07. While these loans are meant for a short-term period, they have annual interest rates ranging from 456.25% to 15208.3%. The minimum annual income requirement for Check ‘n Go Payday Loans is not disclosed.

It doesn’t matter what your employment status is, as long as you can prove your ability to repay the loan. Like Speedy Cash, this app too is a great option for people with bad credit who need instant money.


  • You don’t need good credit.
  • They have long payoff terms.
  • Instant funding.


  • High APRs.
  • You can apply for a loan if you live in one of the specific states.

Let’s Consider Speedy Cash

Speedy cash is one of the best apps and a good option for those who are looking to get a small amount of cash to meet their immediate needs. This is a lender that provides loans with a low-interest rate and quick approval.

The maximum amount you can borrow from Speedy cash is $1,000 and the minimum amount is $100. You can apply for this loan online for free in less than 5 minutes and receive the money within 24 hours after approval.

They do charge an origination fee of 2% of the borrowed amount, which will be deducted from your first payment. There are no prepayment penalties or hidden fees. To qualify for this loan, you must be at least 18 years old, have a bank account in good standing, and earn at least $1000 monthly income.

Why and When To Choose Alternative To Speedy cash?

Why and When To Choose Alternative To Speedy cash?

Nowadays, the internet is all about convenience. People don’t want to waste time waiting for a bank or a payday loan company to open their doors and accept their applications. They just want to apply on free instant cash advance apps, and get the money instantly.

The Speedy cash loan app is a fast and convenient way to get a loan – but there are other apps like Speedy Cash out there that may be better for your needs. If you need cash right away, then the Speedy cash loan app is a great option for you. However, you may want to consider the other best apps we mentioned above.

You may want more options like Speedy Cash when it comes to loan amounts and repayment periods. Speedy cash loans may not be enough for some people who need more cash. You may also need longer to repay your loan if your finances aren’t in good shape at the moment.

Another reason why some people choose alternative loan apps over payday ones is that they don’t have enough credit history. To determine which loan apps to use, it is best to research the options available in your state.


Whether you’re strapped for cash but need to pay the bills, or don’t want to face the burden of a credit card, there are loans and cash apps that can help you out. Hopefully, we’ve given you some good alternative apps like Speedy Cash so that you can get back on your feet, or take care of your expenses without too much issue.

With these alternative loan apps, you can borrow money in an instant at low rates. Take a moment to compare the best apps, their offers and figure out which one suits your needs.


Who is Speedy cash affiliated with?

In addition to being a member of the Online Lenders Alliance (OLA), Speedy cash adheres to the Code of Conduct and Best Practices of the group to ensure that borrowers are fully informed and treated fairly.

What is the best alternative to Speedy cash?

Our recommendations for best apps are Check Into Cash, Ace Cash Express, Advance America, and Check ‘n Go. In any case, it is important to do your research and decide which apps are most appropriate for you.

What is the most important point in choosing an alternative to Speedy cash?

The interest rates on title and payday loans such as those offered by Speedy cash are usually high, and the terms are unreasonable. Therefore, it’s difficult to get them repaid on time. The most important thing is to choose loan apps that are safe and suit your financial needs.