Personal Credit FAQ's

In the eyes of a lender, a poor credit score is a direct reflection of your financial credibility. Many factors contribute to your credit, including your payment history, credit usage, and the amount of debt you have in relation to your available credit and income. If you have bad credit, most lenders will not give you a loan. You are less likely to be able to get a mortgage, finance a vehicle or get a credit card.

Unfortunately, life doesn’t care if you have good or bad credit. When financial emergencies arise and cash is tight, you need a trusted resource that will look beyond your credit blemishes and lend you money when it matters most. At Speedy Cash, we spend every day helping people pay their bills, purchase groceries, and get back on their feet. From payday loans to title loans, we offer several financing options that do not require perfect credit.

How can I find out my credit score, and how will it affect me?

You can purchase your credit score from two of the three major U.S. credit bureaus or directly from the Fair Isaac Corporation, or FICO. Checking your credit score does not harm or improve it, but it can give you greater insight into the state of your financial credibility.

Keep reading to find out more about your personal credit:

What is bad credit?

Bad credit refers to a low FICO score. Learn more about bad credit here.

How does bad credit affect me?

Bad credit can affect your ability to obtain credit from banks, credit card companies, and other lenders. Click here to find out more information about how bad credit can affect you.

How can I get a loan with bad credit?

Speedy Cash issues payday loans based on the amount of your regular income. Click here to find out if you meet loan qualifications.

Where can I check my credit score?

Knowing your credit score is important if you want to apply for loans or credit cards. Visit this page to find out where you can check your credit score.

Get a Loan!

Stop by one of our stores, go online, or call one of our friendly representatives for more information about our payday loans, installment loans, personal line of credit loans, and title loans, as well as information about how you can apply.