Top 5 Loans Like Speedy Cash: Quick and Easy Options

What is Speedy Cash?

Speedy Cash is a lender that specializes in short-term online loans. Focusing on generating quick cash, the company offers a range of loan products, e.g.

• Payday Loan: A short-term loan designed to be repaid on your next payday.
• Installment Loan: A loan that is repaid repeatedly over a fixed period of time.
• Title Loans: Loans secured by the title of your vehicle.

Speedy Cash is known for its fast application process and loan approval with same-day financing capabilities. But high interest rates and fees can make it expensive, especially for those struggling to pay debts on time.

Why look for alternatives to Speedy Cash?

Speedy Cash offers convenience and speed, but also comes with a high cost. Special payday loans like Speedy Cash can have very high interest rates, creating a cycle of debt for many borrowers. In addition, payment systems can be rigid, making it difficult for some individuals to manage their payments.

Lower interest rates, plus more transparency and flexibility, can elevate your financial situation instead of complicating it. Let's consider loan companies similar to Speedy Cash to choose the best conditions for your case.

OppLoans: loans like Speedy Cash for bad credit history

OppLoans offers a bad credit loan for those with no or poor credit history. No credit check makes this online lender a solution for customers who struggle with traditional loan companies. Moreover, OppLoans mentions longer repayment terms and lower interest rates amongst its benefits. A solid Speedy Cash alternative with better conditions compared to payday loans.

Features:

• Loan range: $500 to $5,000.
• APR: 59% to 199%.
• The payback period: 9 to 18 months.
• No credit check: OppLoans doesn’t do hard credit checks, making it easier for those with poor credit.

Pros:

• Lower Interest Rates: While still higher than traditional personal loans, OppLoans offers lower rates compared to payday loans like those from Speedy Cash.
• Longer repayment terms: OppLoans provides more time to repay the loan, reducing the chances of the loan cycle falling through.
• No credit check: OppLoans approves loans based on factors other than credit score, such as income and employment status.

Cons:

• High APR: While lower than payday loans, OppLoans' APR can still be quite high.
• Limited credit: OppLoans offers smaller loans, which may not be enough for larger financial needs.

Who Should Consider OppLoans?

OppLoans are ideal for individuals who need a small loan but want to avoid the high fees associated with payday loans. Its zero-check policy makes it easier for those with poor credit, and the longer repayment period offers more flexibility.

LendUp: loans similar to Speedy Cash to build credit history

LendUp is a direct lender that offers short-term cash loans, focusing on providing an alternative to traditional payday loans and loan services. LendUp’s goal is to help borrowers build credit and improve their financial situation through responsible lending practices.

Features:

• Loan range: $150 to $5,000.
• APR: Varies from state to state but generally ranges from 36% to 299%.
• Terms: 7 to 30 days for payday loans; up to 12 months for term loans.
• Credit reporting: LendUp reports to credit bureaus, enabling borrowers to improve their credit scores.

Pros:

• Credit: Unlike many payday lenders, LendUp reports to credit bureaus, which can help borrowers improve their credit scores over time.
• Flexible products: LendUp offers payday loans and term loans, giving borrowers more options.
• Loyalty Program: LendUp’s Ladder program rewards borrowers with lower interest rates and higher loan amounts for exhibiting healthy credit behavior.

Cons:

• High APR: Although LendUp APRs may be lower than those of typical payday loans, they can still be quite high, especially for short-term loans.
• Limited Availability: LendUp is not available in all states, thus limiting accessibility.

Who should consider LendUp?

LendUp is one of the best loan companies like Speedy Cash for customers who want to build credit. The lender reports to credit bureaus similar to Clarity Services. This way, customers both get the short-term loan they need and improve their credit history through timely repayments. Moreover, LendUp offers lower rates compared to typical payday loans through its loyalty program.

Avant: websites like Speedy Cash for borrowers with good credit history

Avant is an online lender that provides personal loans to borrowers with credit ratings ranging from fair to excellent. Unlike Speedy Cash, Avant offers longer repayment terms and lower interest rates, making it an affordable option for those who qualify.

Features:

• Loan range: $2,000 to $35,000.
• APR: 9.95% to 35.99%.
• Payback period: 24 to 60 months.
• Instant Funds: Funds can be received immediately within the next business day.

Pros:

• Low interest rates: Avant’s interest rates are much lower than payday lenders, making it an affordable option.
• Longer repayment term: With a 60-month repayment term, Avant provides more time to repay the loan, reducing the financial burden.
• Easy application process: Avant’s online application and loan agreement are simple, with quick approval and funding.

Cons:

• Credit Requirements: Avant requires a fair to good credit score, which may exclude some borrowers who rely on payday loans.
• Origination Fee: Avant charges an origination fee of up to 4.75%, which is deducted from the loan amount.

Who should think of the Avant?

Avant is a great option for borrowers who need a larger loan and a longer repayment period. It is especially suitable for those looking to consolidate debt or pay off large debts without resorting to high-interest loans on payday.

Rise Credit: installment loans like Speedy Cash

Rise Credit is an online lender that offers installment loans and lines of credit with a focus on providing a healthy alternative to payday loans. Rise Credit is known for engaging in financial education and helping borrowers improve their financial health.

Features:

• Loan range: $500 to $5,000.
• APR: 50% to 299%.
• The payback period: 4 to 26 months.
• Credit Line Option: In addition to partial loans, Rise Credit offers a flexible line of credit option.

Pros:

• Credit Repair: Increases credit facilities for credit bureaus, giving borrowers an opportunity to improve their credit scores.
• Flexible repayment options: Borrowers can choose repayment options that fit their budget, and they can choose to repay the loan faster without penalties.
• Financial Education: Rise Credit offers free credit checks and financial education materials to help borrowers make informed decisions.

Cons:

• High APR: While Rise Credit offers lower rates than payday loans, the APR can still be high, especially for poor borrowers.
• Not Everywhere: Rise Credit is only available in a few states, making it inaccessible.

Who should consider Rise Credit?

Rise Credit is a great option for borrowers who want to avoid payday loans but still need quick access to cash. Its focus on credit and financial literacy makes it a strong choice for those looking to improve their financial health.

CreditCube: Speedy Cash similar companies with better conditions

CreditCube is an online lender that specializes in providing personal loans to individuals who may struggle to get credit through traditional channels. CreditCube focuses on providing fast and convenient loans with a straightforward application process, making it a strong alternative to Speedy Cash.

Features:

• Loan range: $100 to $5,000.
• APR: Loan availability varies by state law.
• Repayment Terms: Adjusts depending on the loan amount and the borrower’s financial condition.
• Early approval: CreditCube offers early approval, typically with same-day or next business day funding.

Pros:

• Included approval features: The loan is accessible to those with limited credit, making it easier for more borrowers to qualify.
• Quick Funding: Borrowers can access their funds quickly, making the lender ideal for immediate financial needs.
• Flexible payment options: The company offers flexible payment options, allowing borrowers to choose a plan that suits their budget.

Cons:

• Higher interest rates: As many lenders target poor borrowers, interest rates can be higher than those offered by traditional lenders.
• Limited credit: Maximum loan amounts may be less than some borrowers need for larger debts.

Why You Should Choose CreditCube

CreditCube stands out as a reliable alternative to Speedy Cash for several reasons. First, its inclusive approach to lending enables more borrowers, especially those ineligible for traditional loans due to their credit history. A faster application process and simplicity ensure that you can get the money you need when you need it, without the hassle and stress that often come with traditional loan programs.

Moreover, the lender offers flexible payment plans tailored to the customers' situation. This way, you can improve your credit without getting into a debt trap. This flexibility, paired with the commitment to customer service, makes CreditCube a company that truly cares about your financial well-being.

When considering options for Speedy Cash, it is important to carefully weigh the pros and cons of each option. CreditCube's mix of accessibility, speed, and flexibility makes it a great choice for anyone who needs a quick loan whose terms can adjust to their own circumstances. Whether you're dealing with unexpected expenses or just need a financial cushion, CreditCube offers a reliable solution.

Places like Speedy Cash: best loan options comparison

Speedy Cash offers a quick and easy solution for those in need of short-term credit. However, high interest rates and the risk of getting into a debt trap cycle are calling for better options. Among the strategies, CreditCube stands out for its commitment to inclusion, flexibility, and customer service. By picking CreditCube, you choose a lender who understands your financial challenges and is dedicated to helping you overcome them with the credit you need. Whether you need a small amount of money to pay off unexpected bills or to handle important expenses, CreditCube is a reliable option.

Here are providers of online personal, installment loans, and cash advance like Speedy Cash, for comparison.

• Payday loans are cheaper to get, but come out expensive with a high APR of 300-400% on average. They typically offer small amounts of money up to $500 for a short period of time, 7-30 days. Due to a small repayment window, over 80 % of payday loans are rolled over or reborrowed within 14 days.
• Online personal loans offer lower APRs and longer repayment schedules. As of Q2 2025, the delinquency rate for personal loans is 3,37%; with repayment terms up to 1-5 years with monthly installments and up to $50,000 available for borrowing.

Loans Like Speedy Cash FAQ

Is Speedy Cash a legit loan company?

Yes, the company is a legitimate direct lender that has been operating since 1997. Its services are available online or in-store. However, the company's loans are associated with high interest rates and fees.

Is Speedy Cash a secured loan?

Most of their loans are unsecured, meaning they do not require collateral or a credit check. However, the lender also provides title loans, which use a vehicle as collateral and are considered secured loans.

What happens if I don't pay my Speedy Cash loan?

The repercussions range from increased fees and penalties to facing a lawsuit or the loan being sent to a collection agency. Besides, an unpaid debt will affect your credit history, reducing your chances of getting another loan in the future.

How do I stop Speedy Cash from taking money?

Check your loan agreement, which should contain information regarding its cancellation. Usually, you should send a written notice to the lender regarding the cancellation of the debit agreement. Then, contact your bank to inform them and monitor your account to ensure no more payments are being withdrawn by the lender.

Is Speedy Cash hard to get approved?

The service is designed to provide fast and easy funding and works with customers with no or less-than-perfect credit history. Therefore, getting approved by the lender is not considered difficult. However, one should have a stable income and match the company's criteria for approval. For example, the applicant can be denied for having excessive outstanding debts.

Does Speedy Cash check credit score?

No, the lender doesn't check credit history, focusing on the applicant's income and general financial situation, enabling them to repay the debt. It means that customers with no or poor credit history have a chance to be approved by the company.