Loan Places Like Speedy Cash
Do you need cash fast but think you've run out of options? Learn about other easy loan places like Speedy Cash.
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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.
Other loan places that let you borrow money include:
- Check Into Cash: $50 to $5,000
- ACE Cash Express: $100 to $2,000
- Advance America: $100 to $5,000
- CashNetUSA: $100 to $3,000
- OppLoans: $500 to $4,000
- LoanSolo: $100 to $5,000
- Check 'n Go: $100 to $5,000
Get up to $750 per paycheck
- Access up to $750 per pay period of money you've already earned.
- No mandatory fees
- No credit check
Get up to $500
- No interest, credit checks, or late fees
- No lengthy application process or waiting period
- Sign up in minutes
Get up to $250 in minutes with Instant Cash
- No interest, late fees, or tipping
- No credit check
- Just $9.99/mo. Cancel anytime
Get Up to $200 Now
- Sign up in seconds: Just enter your name, email and phone to get started
- Connect your account: Link your bank, so we know where to send your money
- Access your cash: Get a Klover advance - up to $200 - with no credit check
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.
Check Into Cash
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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 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.
ACE Cash Express
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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.
Advance America
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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.
CashNetUSA
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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.
OppLoans
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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.
LoanSolo
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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.
Check 'n Go
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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.
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.
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.
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. - 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.
Get up to $750 per paycheck
- Access up to $750 per pay period of money you've already earned.
- No mandatory fees
- No credit check
Get up to $500
- No interest, credit checks, or late fees
- No lengthy application process or waiting period
- Sign up in minutes
Get up to $250 in minutes with Instant Cash
- No interest, late fees, or tipping
- No credit check
- Just $9.99/mo. Cancel anytime
Get Up to $200 Now
- Sign up in seconds: Just enter your name, email and phone to get started
- Connect your account: Link your bank, so we know where to send your money
- Access your cash: Get a Klover advance - up to $200 - with no credit check
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
- ^ Check Into Cash. FAQs: How much money can I borrow?, Retrieved 7/2/2023
- ^ Check Into Cash. Installment Loans, Retrieved 7/2/2023
- ^ Check Into Cash. Check Into Cash: US, Retrieved 7/2/2023
- ^ ACE Cash Express. Installment Loans, Retrieved 7/2/2023
- ^ ACE Cash Express. Locations, Retrieved 7/2/2023
- ^ Advance America. Store Locations, Retrieved 7/2/2023
- ^ CashNetUSA. Rates & Terms, Retrieved 7/2/2023
- ^ CashNetUSA. Where can I find a quick loan near me?, Retrieved 7/2/2023
- ^ OppLoans. FAQs: How much money can I apply for with an OppLoans online personal loan?, Retrieved 7/2/2023
- ^ OppLoans. Rates, Terms and Licenses, Retrieved 7/2/2023
- ^ LoanSolo. Disclaimer, Retrieved 7/2/2023
- ^ Check 'n Go. The Check `n Go Difference, Retrieved 7/2/2023
- ^ Check 'n Go. Check `n Go Location, Retrieved 7/2/2023
- ^ Check 'n Go. Loans Rates and Terms by State, Retrieved 7/2/2023
- ^ Speedy Cash. Rapid Cash, Retrieved 7/2/2023
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