Speedy Cash lives up to its name. Speedy Cash offers loans from $255 to $26,000 in one day. You also have the best customer service. Because of Speedy Cash’s services, people can get quick cash. For a service loan, you can also apply online or pay in person at any Speedy Cash location.
Currently, Speedy Cash isn’t available in all areas of the country or in all states. There are many reasons why people seek Speedy Cash loans or other options that we’ll discuss in this article, including the fact that it is not a good option for them.
Why do people choose speedy cash?
Because Speedy Cash has been around for a while, it is well-known. Since 2008, the company has offered online loans. The company offers various loans such as title loans, installment loans, payday loans, and installment loans. Additional services like money orders or prepaid cards can also be provided.
Its main advantages include a mobile app that is easy to use, a simple application process, friendly lending policies, and quick approval. Speedy Cash doesn’t have any early payment fees or penalties. However, it is not available in all states. It also charges a $5 origination charge for refinancing.
Do you have quick cash alternatives?
You don’t have to worry if you are struggling to pay the unexpected expenses of living on your income, but Speedy cash is not available in your state. We’ve done the research and found many other places that can provide cash loans fast. This article will show you loan services such as Speedy Cash.
Payday loans we have mentioned offer fast approval rates, flexible repayment terms, and quick funding. To find the best Speedy Cash option, take a look at our list and compare the pros and cons. Also, check out our review of 5 Best Online Cash Loans.
Five Best Alternatives to Speedy Cash Loans
Here are five loan places like speedy cash offers loans to everyone, even those with low or poor credit scores.
1. Viva Payday Loans
Viva Payday loans are a great option if you need fast cash. It’s one of the fastest loan providers. It doesn’t require you to provide a credit history.
This service can be used to cover small to mid-sized emergencies. The minimum amount is $1,000, and the maximum is $5,000.
This company can credit your bank account with the money in less than an hour. You must meet the eligibility criteria, which include being legally able to work and being employed. You do not need to have a high credit score in order to be approved. However, you will need to make at least $1,000 per month and have a permanent residence.
Viva Payday Loans does not function as a lender, but as a marketplace where you can find the best deal.
The APR for Viva Payday Loans is between 5.99 and 35.99 percent. Your income and credit history will determine the rate you receive.
Flexible loan terms of up to one year are available with Viva Payday Loans.
This company is the best option for applicants who are looking for cash loans at an affordable rate.
These are the pros and cons of choosing Viva Payday Loans.
- Within 60 minutes of the lender’s approval, cash is credited.
- Excellent customer service is provided by the company
- There are no additional charges
- Flexible terms for loans
- In some states, not available
Viva Payday Loans are a popular option because they accept everyone regardless of credit score. The rate you receive may be affected by your credit history.
2. RISE Credit
RISE Credit was founded in 2013 and is a trusted loan provider. You can use the money for many purposes, including home repairs, debt consolidation, and hospital bills.
RISE Credit provides loans with fixed interest rates and predetermined terms.
The maximum loan amount is $5,000, the minimum is $500. The APR ranges from 36 to 299 Percent. For those with poor credit scores, it can be quite costly.
Because there is no credit score requirement, it is much easier to get loans from rising than from other providers. However, having a high credit score will increase your chances of getting a great rate.
Repayment terms can vary from one state to the next and can range between 4 and 26 months. Although there is no minimum income requirement, the company will require that you have proof of employment. You can do this by providing a variety of documents, such as pay slips.
These are the pros and cons of choosing RISE Credit.
- Within 24 hours, your bank account will be credited with the loan.
- Cancellation without penalty: No prepayment penalties
- No credit score is required to apply.
- Refinance might be an option
- Some people may find this a very costly option
RISE, despite its high APR, is still a popular option because it caters to all types of borrowers and is one of the fastest lenders.
3. Heart Paydays
Are you looking for loans fast with bad credit? Heart Paydays is an installment lender that helps people with bad credit.
There are some checks that are in place to make sure that borrowers are able to afford the loans they apply for.
The maximum loan amount is $5,000, while the minimum is $100. The amount you are approved for depends on the data you provide. This is a great option for Speedy Cash as it offers a very affordable loan and a low APR of between 5.99 and 35.99 percent.
It is possible to negotiate a lower interest rate because borrowers can communicate directly with their lenders. This option is worth considering as you may be able to negotiate a better deal if your negotiation skills are strong.
Borrowers have a flexible repayment period of up to one year. This allows them to spread their payments out over time. The typical window lasts between 3 and 24 months.
Borrowers must have a minimum of $1,000 in income to be eligible for a loan from Heart Paydays.
It is simple to complete the application form. It can take up to 48 hours to transfer cash to your account depending on the lender.
Here are the pros and cons of choosing Heart Paydays.
- Accepts applicants with low credit scores
- Flexible repayment window
- Low APR of 5.99 percent
- There are no additional charges
- Sometimes, approval can take more than 24 hours.
Although Heart Paydays may not be a well-known company, it is quickly becoming a household name thanks to its affordable rates and great customer service. If you’re looking for places like Speedy Cash, give it a shot.
OppLoans are another option for people who don’t want a credit check. OppLoans are available in nearly every state in America. Borrowers can use the borrowed money to pay bills or make repairs. This is a great option for those who need to pay small bills. The amount available ranges between $400 and $5,000.
Flexible repayment terms are available. They can be between six and one years, sometimes even longer. You have the ability to modify the repayment date, but the repayment schedule will be determined by the borrower’s current pay schedule.
OppLoans doesn’t charge late fees or prepayment penalties, which makes it even more appealing. It is also known to quickly credit money. Most cases will be resolved in under two minutes. The money will then appear in your account within 24 hours.
The APR rates range from 59 to 160 percent. Rates will vary depending on your credit history, state, income, and credit history.
These are the pros and cons of opting for OppLoans.
- It is very affordable, as there aren’t any late penalties
- Even without good credit, it is easy to get approved
- Within 24 hours, money credited to your account
- Soft check: Applying for a loan won’t affect your credit score.
- High-interest rates are possible
OppLoans can be a great option for those with low credit scores. However, you should pay close attention to the interest rate. You can request a loan and see the rate you receive, as well as compare it to other options.
5. ACE Cash Express
ACE Cash Express is a well-known and trusted lender in America. It is available online and has more than 1,000 locations in 72 states. To apply for a loan, you don’t need to go to a store.
It does not offer large amounts. The range is $100 to $2,000, and it can be used when money has not yet arrived in your account. These loans are available for a brief period and the repayment terms range from 8 to 35 days. In most cases, you will need to repay the loan when you get your next paycheck.
The APR rate can vary depending on where you live and can reach as high as 300%. Similar companies have been covered by ACE Cash Express, but this one is different because it offers a 72-hour guarantee, just like Speedy Cash. If you have a change of mind within 48 hours, you can cancel the loan at no cost.
ACE Cash is well-known for its fast cash transfers. After your loan approval, the funds will usually appear in your account within one day.
Although there is no minimum credit score to be approved for ACE Cash loans, a high score may help you qualify for better terms.
These are the pros and cons of choosing ACE Cash Express
- All credit scores are eligible for Caters
- No additional charges for cancellations within 72 hours
- Cash credit in a matter of hours
- Excellent customer support
- High-interest rates
ACE Express is a small loan provider, but it can be very costly. It is still very popular because it can deposit the money within a few hours and it is safe.
If Speedy Cash is not available in your state, these are some of the best loan places like it. A majority of these providers offer money within 24 hours to applicants with poor credit scores.