Speedy Cash

Speedy Cash Alternatives [Sites & Places]

What do you do when you need cash straight away? Tons of worries and insecurities make your head spinning, right?

Ease your credit difficulties and get assistance from loan places similar to Speedy Cash. This reputable personal loan provider offers small loan amounts without hard credit checks. With more than 25 years of experience, it provides various financial products and services without affecting borrowers’ credit scores. However, some people may find it not the best option for them.

In this case, read this article till the end. Below we will consider lenders that provide loans like Speedy Cash. All of them are reliable platforms that are worth considering if you need to solve unforeseen expenses instantly.

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Now, take a break and look at the following lenders who provide loans like Speedy Cash.

When you apply for loans like Speedy Cash, you can get fast financial aid in as little as one business day. And that’s no wonder. Being a direct lender, Speedy Cash offers in-store and online payday, title loans, and other cash services.

Do you need money? Fill the application online!

Sites Like Speedy Cash: Best Alternatives

If, for some reason, Speedy Cash is not a good option for you, pay attention to some of its most popular alternatives. Below we will consider only reliable online loan lenders.

Unlike traditional financial institutions, they provide financial assistance no later than the next business day. To get approved you don’t need an excellent credit.

Lenders like Speedy Cash allow credit borrowers to apply online without any paperwork. The eligibility requirements may differ. However, most lenders will ask you to specify in the loan request form just overall information. It includes full name, phone number, email address, and basic bank details.

So, if you want to get quick cash online, we have some options for you to consider. Learn about each offer in detail to find the most beneficial loan product for you!

Personal Loans

Rates (APR)

5.99% – 35.99%

Loan Amounts

$1,000 – $35,000

Repayment Terms

3 – 72 months

Looking for Speedy Cash alternatives? A great place to start is to visit the Personal Loans website.

It’s the other lender network dedicated to matching borrowers with bad credit to personal loans up to $35,000.

A minimum of 600 scores and at least $2,000 of verifiable income per month is enough to apply for a loan and cover your cash needs. The company offers some of the most flexible terms anywhere, with APRs from 5.99% to 35.99% and repayment options ranging from 90 days to 72 months. Indeed, it all depends on a lender and the loan you apply for.

Unlike some lenders like Speedy Cash, PersonalLoans comes with the obligation-free rates quote.

The benefit?

You can see your loan options without having to give away your bank account information.

Whatever your personal situation, it always makes sense to learn and understand what you’re signing up to. You’re not obliged to accept any loan offered by PersonalLoans, sure thing. Yet, once you are accepted, you will get access to your funds as soon as the next business day.

Loan Sites Like CashNetUSA


PaydaySay ranks high amongst the best loan companies similar to Speedy Cash.

It’s a great option for borrowers with both good and bad credit.

When emergency expenses pop up without warning, let Payday Say help you.

The key thing about the company is that it’s not a direct lender itself. To get started, fill in the form and the company connects you with lenders like Speedy Cash.

Loan SitesThe best thing about the company is that there are no minimum credit score requirements. Yet, the good rule of thumb is to have a 550 score or higher.

Once you’re about to apply for a loan, make sure you learn the fees that the lender you’ve picked will charge. As such, fill the application once and get matched with multiple online lenders and Speedy Cash competitors to get up to $5,000 for any purpose.

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Rates (APR)

5.99% – 35.99%

Loan Amounts

$500 – $10,000

Repayment Terms

3 – 72 months

When you’re looking for online loans like Speedy Cash, CashNetUSA is worth exploring.

The first thing you notice once landed on the website is a question about your state.

The reason for that is that the rules and regulations for payday loans like Speedy Cash vary across the U.S. As a result, your state will determine what aid you’re allowed to get. Thus, everything from the maximum loan amount, its fees and terms depends on the state you live in.

Loan SitesOne rule that works in every state is that a borrower who repays his loan early is penalty-free.

Once your request is approved, expect the funds to be deposited directly into your checking account. Just because of the higher interest rates through CashNetUSA, it’s always smart to think on your feet.

If you’re not sure that you understand the terms, you’d better shop around for same day payday loans similar to Speedy Cash.

Loan Sites Like CashNetUSA


Rates (APR)

59% – 199%

Loan Amounts

$500 – $5,000

Repayment Terms

9 – 24 months

Based in Chicago, OppLoans makes our list of the best providers of payday loans like Speedy Cash to consider.

The company positions itself as a safe and trusted alternative to other direct lenders like Speedy Cash.

With a whopping of 100,000 satisfied customers, OppLoans could be the lender of your choice.

With an A+ rating from the Better Business Bureau, OppLoans works as one of the best options for personal loans with bad credit.

Loan SitesEven with 600 credit, a borrower is able to apply for the company's loan offers.

When it comes to rates, OppLoans may have lower payday loan rates compared to other loan companies like Speedy Cash.

The best thing about OppLoans is that it reports credit data to all three major bureaus. For a borrower, that means an ability to improve a credit score. So, once you are sure you can make monthly, on-time payments in full, consider using OppLoans for your next loan.

Loan Sites Like CashNetUSA

Cash Advance

Rates (APR)

15% – 1,564%

Loan Amounts

$200 – $10,000

Repayment Terms

3 – 72 months

When looking for the best option to get a personal loan, the Cash Advance online lending network can be right up your alley.

Compared to sites like Speedy Cash, CashAdvance is a marketplace where the choice of reputable lenders and lending decisions they provide is huge. It’s best suited for those who are in a tough financial situation to solve their short-term cash problems.

Unlike places like Speedy Cash that require a borrower to have a minimum credit score to apply for a loan, CashAdvance.com claims no minimum score requirement, meaning that you can apply even in case of bankruptcy. Face it, it could be a great option for some empty-handed borrowers.

The rates range from 15% to 1,564%. To find out the full cost of the loan you apply for, consider Cash Advance terms of use and benefit from the cost estimator on the website.

When it comes to the loan amount you can borrow, the sum is not all that huge. That’s anywhere from $200 to $10,000. The catch here is interest rates. In some cases, an interest rate could be as high as the triple digits. The loan terms vary from lender to lender, yet, as a rule, you have to repay the debt within one year.

Loan Sites Like CashNetUSA


Rates (APR)

6% – 35.99%

Loan Amounts

$1,000 – $35,000

Repayment Terms

6 – 60 months

BadCredit cooperates with a network of lenders and financial service providers to offer short-term, non-long-term online loans, typically between $1,000 and $35,000.

You leave your online application, and the service will provide information about you to lenders. Based on your credit rating, you will be notified about the offers that are available to you via sms text messages.

The company connects borrowers with creditors and specific lender conditions will apply to any loan the borrower takes. We do not make you wait long for finances.

If you accept the offer, cash will be on your account in one business day.

Unlike other credit companies, BadCredit will not refuse you if you have a bad credit history but will show you suggestions for credit repair, debt relief, or similar loan services.

You do not have to pay a commission due to use this service because the network of lenders includes state and tribal lenders. Also, in addition to traditional loans, some lenders in the BadCredit company network may suggest a line of credit.

Always pay attention to all the options available to you and don't assume that the loan offer you received is the best suggestion available to you.

Loan Sites Like CashNetUSA

Ace Cash Express

Ace Cash Express is worth considering if you are looking for quick and easy-to-get cash loans. This lender is suitable for people who need a small amount of money with a short repayment period.

You can apply for online payday loans or installment options. Co-signer applications are also accepted. The available loan amount varies from $100 to $2,000. To pay it back, customers may have no more than three months.

Ace Cash Express offers a quick loan approval procedure without checking your credit. You can receive funds directly into your bank account or pick up the money at a physical store. This lender allows you to change your loan decision within 72 hours after you apply for the money. It may be a beneficial feature if you are still hesitating.

Ace Cash Express offers fixed interest rate loans which means you can predict and plan your debt repayment. The APR varies from 91.52% to 630.13%, which is lower when compared with the majority of lenders in our list. What's more, the company may charge late and origination fees.

Remember that this lender is not for you if you need more than $2,000. Check the loan terms and conditions of your state since they vary considerably.

Advance America

If you want to get cash online but have poor credit, Advance America is worth considering. Like Speedy Cash, this company offers online and in-person lending solutions. Advance America has more than 1,400 physical locations in 29 states that provide instant financial assistance.

This lender offers payday loans, installment loans, car loans, and credit lines. With Advance America, you can get short-term loans online and receive the money within three business days.

The available loan amount starts at $100 and may be up to $5,000. This financial product provider doesn't charge a prepayment fee but sets relatively high interest rates. They depend on your chosen loan type and the state you live in. Usually, interest charges vary from 143.29% to 688.28%.

This lender can boast of an A+ BBB rating and loads of positive reviews from customers. It may be a good option if you want to get an online payday without credit checks and loads of documents.

To qualify for financial help, you must be 18 years old. The required documents are proof of citizenship or residence permit, driver's license (or passport), proof of income, and checking account data.

However, make sure you can repay your debt before signing a loan agreement. A short repayment period and high interest may become your financial burden.

Check Into Cash

With almost 30 years of experience, Check Into Cash can boast of an excellent reputation and millions of satisfied borrowers. This company offers short-term loans online until the next business day in 30 states. In 26 of them, there are Check Into Cash stores for in-person customer service.

This lender provides online payday loans, installment, title, and cash advance loans. Terms and conditions vary from state to state and depend on local laws. For example, people living in Mississippi can apply for a payday loan of up to $400, an installment loan of up to $2,000, and a title loan up to $2,500 online and offline. At the same time, in South Carolina, you can receive only a payday of up to $550 offline, while in New Mexico, none of these.

As to the loan amount, you can get up to $1,500 payday, up to $5,000 installment, and up to $25,000 title loans depending on the state.

Check Into Cash doesn't charge interest, but it has a service fee of $10-$30 per $100 borrowed. The average APR accounts for 400%. If you miss a due date, you may face a late payment fee between $25 and $30. For a 15-day delay in repayment, you will be charged an additional 5% of the loan amount.

Since the terms usually don't exceed 30 days, it may be challenging to repay the debt on time. If you have doubts, use the pre-qualification feature offered by Check Into Cash.

Check' n Go

Check 'n Go is another excellent alternative to Speedy Cash. Established in 1994 now, it can boast of nearly 1,000 physical stores. The company offers cash loans for people with poor credit and doesn't set minimum income eligibility requirements.

Check 'n Go provides payday, installments, cash advance loans, etc. If you need quick financial assistance, it is a great option for you since you will receive money the next business day.

A borrower can get up to $5,000 online or offline depending on a state and your credit record and history. The loan terms may vary, but they usually last from 3 to 18 months. For such an easy loan application process, you will be asked to pay a rather high APR ranging from 456.25% to 1520.83%. Check 'n Go may also charge additional fees, including late payments or origination fees.

To qualify for a loan, you must have an active checking account, be 18 years old, and be a US resident. Apart from this, you must include some other information, including your state ID license, passport, telephone number, banking details, etc.

Check 'n Go may be a great lending solution for people in need. However, this lender doesn't provide faxless loan applications, and its website may be difficult to navigate.

Let’s Consider What Speedy Cash Is

Speedy Cash is one of the most popular and reputable direct lenders in the USA. Established in 1997, it can boast more than 5 million clients. This platform provides four types of financial assistance,: payday loans, installment loans, title loans, and limits on credit cards.

Speedy Cash offers a fast and easy application procedure that may be done in multiple ways. You can apply for funds online, visit the nearest storefront location, or get money on special prepaid debit cards. However, note that fees may vary depending on a chosen option.

To qualify for loan products from Speedy Cash, you don't need to consider your credit rating because the company doesn't conduct a hard credit check. You can apply for a loan between $100 and $5,000 and repay it within 1 - 18 months.

The APR rates vary between 176.61% and 729.82%, which is rather high. The origination fee depends on state law and may vary.

All in all, Speedy Cash is a great option for borrowers with bad credit who need money instantly. But because of the high interest rate charged by this platform, you must be ready to pay back much more than you have borrowed.

Is Speedy Cash Legit?

Available in 29 states, Speedy Cash is a licensed lender, thus a legit option for people who are strapped for cash.

Can you pay your loan back within the allotted time? The better for you and your credit.

The key thing to remember is that this easy-to-approve option always goes hand in hand with the risk of ending up paying for your debt because of high interest charges. Found a too-good-to-be-true option? Nothing’s free, so is with taking a loan. So, think twice to understand all given information before you make a pick.

Why to Choose Alternatives To Speedy Cash?

Speedy Cash seems like a great solution for credit borrowers with low ratings. However, you should remember that in some cases it is better to consider alternative lenders that provide loans like Speedy Cash. Why may you need to look for other payday lenders?

Firstly, the interest rate charged by this platform is rather high. Secondly, Speedy Cash may require an origination fee. Among other things, if you apply for installment loans, the company won’t report to consumer credit bureaus. Consequently, if you want to build credit, it is not an option for you.

However, if you look for places like Speedy Cash, check whether it meets your loan amount, repayment terms, and interest rate requirements. Choose a company that provides funds no later than the next business day and offers a convenient online application process.

Edited by Victoria Zhilka

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Victoria Zhilka

Creates and implements our mission, vision and goals. The ultimate decision-maker responsible for the overall company's success.