This article contains links to products or services from one or more of our advertisers or partners. We may receive a commission when you click or make a purchase using our site. Learn more about how we make money.

5 loan places like Speedy Cash

Alternative places to get short-term loans like Speedy Cash.

Updated . What changed?

Fact checked

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 short-term loans and other financial services like cashing checks, issuing money orders, wire transfers, prepaid debit cards and exchanging cash for gold as an alternative.

5 alternatives to Speedy Cash

Best for low minimum loan amounts: Check Into Cash Payday Loan

$50 – $1,000
Loan amount
1 to 2 business days
Turnaround time
Yes
Online application

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 32 states, with payday loans available in 29. Here, you can get payday loans starting at $50 and as high as $1,000 with APRs ranging from 153.73% to 782.14%, depending on your loan amount and state.

  • Loans starting at $50
  • Multiple types of loans
  • Offers other financial services
  • Available in more states than Speedy Cash
  • Online and in-store applications
  • Must be 21 to apply
  • Must have a bank account
  • Must have a regular source of income
  • Slightly longer turnaround than Speedy Cash
Product Name Check Into Cash Payday Loan
Min. Amount $50
Max. Amount $1,000
Loan Term Varies by state
Loan Security Unsecured
Turnaround Time 1 to 2 business days
Costs Varies depending on the amount and your state of residency.
Requirements Bank account, email address, phone number, US citizen or permanent resident, ages 21+

Best for when you can repay in a few days: ACE Cash Express Short-term Loans

Varies by state
Loan amount
As fast as same business day
Turnaround time
Yes
Online application

Like Speedy Cash, ACE Cash Express is a well-established lender. It has offered short-term loans since 1968. 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. Loan amounts, rates and fees all vary by state. It’s a quick process — applying online just takes a few minutes and you can get your funds the same day if you go to an ACE Cash Express store to pick it up. It also comes with 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.

  • 72-hour guarantee
  • No prepayment penalty
  • Partial refund if you pay off your loan early in some states
  • Multiple types of loans
  • Online and in-store applications
  • Available in fewer states than Speedy Cash
  • Online payday loans even more limited
  • Must have a checking account
  • Must have a steady source of income
Product Name ACE Cash Express Short-term Loans
Min. Amount
Max. Amount
Loan Term Varies by state
Loan Security Unsecured
Turnaround Time As fast as same business day
Costs Varies depending upon the state where you reside.
Requirements Steady source of income, checking or savings account, not currently in bankruptcy, ages 18+

Best for larger loan amounts: Cash Store Short-term Loans

$100 – $5,000
Loan amount
Same business day to 1 business days
Turnaround time

Online application

Cash Store can be slightly quicker than Speedy Cash, often offering same-day funding. It frequently has special offers like a discount the first time you borrow and $100 referral bonus. You can apply online or in person for payday loans, installment loans and title loans from $100 to $5,000, depending on your state. Your vehicle is subject to evaluation with title loans. Unlike Speedy Cash that offers online funding as well as an in-store pick option, you’re required to pick up your funds from one of Cash Store’s physical locations, even if you apply online.

  • Same-day funding
  • Same loan amounts as Speedy Cash
  • Discounts for first-timers
  • Multiple types of loans
  • $100 referral bonus
  • Online and in-store applications
  • Only available in seven states
  • In-person pickup required
  • Must have a checking account
  • Must have a regular source of income
Product Name Cash Store Short-term Loans
Min. Amount $100
Max. Amount $5,000
Loan Term Varies
Loan Security Unsecured
Turnaround Time Same business day to 1 business days
Costs
Requirements Live in serviced state, regular source of income, active checking account, state-issued ID or driver’s license, ages 18+

Best for saving with early repayment: Advance America Payday Loan

$100 – $500
Loan amount
Same business day to 1 business days
Turnaround time

Online application

Advance America offers online and in-store loans across 28 states. Founded in 1997, it now has more than 2,000 physical locations where you can get a payday loan, installment loan and auto title loan. You must provide personal identification, proof of income, a bank statement and a personal check. Its payday loans range from $100 to $500 with terms from 2 weeks – 1 month and installment loans are available in larger amounts that vary by state. What you’ll pay for these loans varies by state. Like with Speedy Cash, the application process is simple and only takes a few minutes. Typically you can get your funds within 1. 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.

  • Wider state availability
  • Good customer reviews
  • No prepayment penalties
  • Get a rebate on part of your loan fees for paying it back early in some states
  • Funding in as little as one day
  • Online and in-store applications
  • Not as many additional services
  • Has faced legal action for overcharging customers
  • Must have a checking account
  • Must have proof of income
Product Name Advance America Payday Loan
Min. Amount $100
Max. Amount $500
Loan Term 2 weeks – 1 month
Loan Security Unsecured
Turnaround Time Same business day to 1 business days
Costs Varies depending on state.
Requirements You must provide personal identification, proof of income, a bank statement and a personal check.

Best for 24/7 customer service: Check ‘n Go Payday Loans

$100 – $1,500
Loan amount
As soon as the same day
Turnaround time
Yes
Online application

This Cincinnati-based short-term lender offers online and in-store payday loans, installment loans and prepaid credit cards across 27 states. Loan amounts range from $100 to $1,500 with costs and terms varying by state. If you apply online, the turnaround time is the same as Speedy Cash: one day. But in-store applicants can get funds within a few hours. Check ‘n Go offers perks that may outshine Speedy Cash. You can also earn a $50 gift card for referring a friend. On top of this, it has a 24-hour customer support line so you can get quick answers to your questions any time of day. It doesn’t offer as many different financial services as Speedy Cash, however. You can’t get a title loan and its additional services are limited to check cashing.

  • Available in more states than Speedy Cash
  • $50 gift card for referring a friend
  • Loans as low as $100
  • Same-day funding available
  • Online and in-store applications
  • No title loans
  • Lower Trustpilot rating
  • Must have a checking account
  • Must have a regular source of income
Product Name Check ‘n Go Payday Loans
Min. Amount $100
Max. Amount $1,500
Loan Term Varies upon state
Loan Security Unsecured
Turnaround Time As soon as the same day
Costs Depends on state law
Requirements You must be 18, a permanent resident, have an active checking account and a regular source of income

Is Speedy Cash a better choice?

In some cases, Speedy Cash might be the better option than the alternatives. 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 more payday loan providers

Data indicated here is updated regularly

Name Product Filter Values Max. Loan Amount Turnaround time Requirements
OppLoans Installment Loans
$5,000
1 business day
Direct deposit, meet minimum income requirements, live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
Check Into Cash Payday Loan
$1,000
1 to 2 business days
Bank account, email address, phone number, US citizen or permanent resident, ages 21+
Plus, get access to check cashing, cell phone top ups, bill pay and more at one of its many storefronts.
Fast5kLoans Short-term Loans Connection Service
$35,000
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
LendYou Short-term Loans
$15,000
Same business day to 1 business days
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Possible Finance Mobile Installment Loans
$500
As fast as 1 business day
Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+
Borrow up to $500 with just a few swipes — but only for residents of 5 states.
loading

Compare up to 4 providers

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

2 Responses

  1. Default Gravatar
    CodyJanuary 1, 2019

    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?

    • Avatarfinder Customer Care
      JoshuaJanuary 2, 2019Staff

      Hi Cody,

      Thanks for getting in touch with finder. Congratulations for having a car, Cody!

      Regarding your question, yes there are at least 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

Go to site