Speedy Cash is a direct lender that offers in-store and online payday, installment and title loans as well as other cash services. Funding is fast and flexible. You can get your money in as little as one business day by applying online, at one of its locations or even using its app.
But you’ll have to meet its eligibility requirements and live in one of the states its services. These providers offer loans like Speedy Cash. And most offer other financial services like cashing checks, money orders and prepaid debit cards.
5 top lenders like Speedy Cash
For online installment loans
OppLoans Installment Loans
4.4 / 5
★★★★★
Unlike Speedy Cash, OppLoans only offers online installment loans. But with rates capped at 160% APR and terms from nine to 24 months, it can be a more affordable alternative. It also reports payments to credit bureaus to potentially improve your credit score. But monthly income requirements can be high in some states, and you have to be paid with direct deposit to qualify.
Pros- No APRs over 160%
- Can improve credit
- Option to change due date
Cons- Online only
- Must receive income via direct deposit
- Bank account must be at least 90 days old
| Loan amount | $500 – $5,000 |
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| Interest rate type | Fixed |
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| Loan Term | 9 to 24 months |
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| Turnaround time | 1 business day |
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| Loan amount | $500 – $5,000 |
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| Turnaround time | 1 business day |
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| Online application | Yes |
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For loans under $100
Check Into Cash Payday Loan
4.5 / 5
★★★★★
Like Speedy Cash, Check Into Cash offers a wide range of loan types, including payday, installment and auto title loans. You can also apply online, at one of its locations or even over the phone. Like Speedy Cash, it also has an app. It offers other services like check cashing and buying your gift cards for cash. It offers loans in 28 states, with payday loans available in 24. Here, you can get payday loans starting at $50 and as high as $1,000 and fees of $15 to $30 per $100 borrowed, depending on your loan amount and state.
Pros- Loans starting at $50
- Available in more states than Speedy Cash
- Offers other financial services
Cons- Must be 21 to apply
- Slightly longer turnaround than Speedy Cash
- Must have a bank account
| Loan amount | Varies by state |
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| Interest rate type | Fixed |
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| Loan Term | Varies by state |
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| Turnaround time | 1 to 2 business days |
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| Loan amount | Varies by state |
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| Turnaround time | 1 to 2 business days |
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| Online application | Yes |
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For when you can repay in a few days
ACE Cash Express Short-term Loans
3.6 / 5
★★★★★
Like Speedy Cash, Ace Cash Express is a well-established lender. It has over 1,000 store locations across 20 states, mainly in the South and West. Depending on where you live, you can apply online or in person for a payday loan, installment loan, title loan or debit card loan. It also offers extra perks like a 72-hour guarantee which allows you to cancel your loan at no cost if you change your mind within the first three days. It also doesn’t have prepayment penalties, and some states even offer a partial refund of fees if you pay off your loan early.
Pros- 72-hour guarantee
- No prepayment penalty
- Partial refund if you pay off your loan early in some states
Cons- Available in fewer states than Speedy Cash
- Online payday loans even more limited
- Must have a checking account
| Loan amount | $100 – $5,000 |
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| Interest rate type | Fixed |
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| Loan Term | Varies by state |
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| Turnaround time | As fast as same business day |
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| Loan amount | $100 – $5,000 |
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| Turnaround time | As fast as same business day |
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| Online application | Yes |
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For saving with early payments
Advance America offers online and in-store loans across 26 states. Like with Speedy Cash, the application process is simple and only takes a few minutes. Typically you can get your funds within one business day. If you can pay back your loan early, Advance America won’t charge a prepayment penalty, and in some states you can even get a rebate on part of your loan fees for paying it back early. But it doesn't offer as many additional services and has gotten in trouble with regulators over its fees.
Pros- Wider state availability than Speedy Cash
- Get a rebate on part of your loan fees for paying it back early in some states
- Online and in-store applications
Cons- Not as many additional services
- Has faced legal action for overcharging customers
- Must have a checking account
| Loan amount | Up to $1,000 |
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| Interest rate type | Fixed |
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| Loan Term | Varies |
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For 24/7 customer service
This Cincinnati-based short-term lender offers online and in-store payday loans, installment loans and prepaid credit cards across 27 states. And it offers perks that may outshine Speedy Cash. You can earn a $50 gift card for referring a friend, and it has a 24-hour customer support line so you can get quick answers to your questions any time of day. But it doesn’t offer as many different financial services as Speedy Cash. You can’t get a title loan and its additional services are limited to check cashing.
Pros- Available in more states than Speedy Cash
- $50 gift card for referring a friend
- 24/7 customer support
Cons- No title loans
- Lower Trustpilot rating than Speedy Cash
- Must have a checking account
| Loan amount | $100 – $1,500 |
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| Interest rate type | Variable |
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| Loan Term | Varies upon state |
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| Turnaround time | As soon as the same day |
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| Loan amount | $100 – $1,500 |
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| Turnaround time | As soon as the same day |
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| Online application | Yes |
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Is Speedy Cash a better choice?
In some cases, Speedy Cash might be the better option than the alternatives. You can get a full rundown with our Speedy Cash review. But here are the main benefits and drawbacks of working with this lender.
- Funding in as little as one day
- Online and in-store applications
- Multiple types of loans
- Other financial services
- Not available in all states
- Minimum and maximum amount not available in every state
- Must have a checking account
- Must be employed
Compare our picks for the best payday loans and alternatives for more options.
Hello I recently got approved for financing on a used vehicle. Little money down with weekly payments of an agreed amount. Is there financed options to have my vehicle payed off, and allow me to arrange monthly payments just pay much longer term?
Hi Cody,
Thanks for getting in touch with finder. Congratulations for having a car, Cody!
Regarding your question, yes, there are a few things you can do. One is to refinance your car loan and the other is to apply for a personal loan and use the money to pay your existing car loan debt. That way, you can simply pay your personal loan lender.
Please make sure that you’ve read the relevant T&Cs or PDS of the loan products before making a decision. Moreover, check the eligibility requirements as well and consider whether the product is right for you.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua