Line of Credit Loans

with a Speedy Cash Advance

Being short on cash is never an ideal situation – that's why Speedy Cash offers quick loans in the form of personal line of credit loans. Unlike typical payday loans and installment loans, line of credit loans give you the freedom to borrow what you need, when you need it. Borrow only what you need now, paying interest only on the amount you actually borrow. You decide whether to pay the minimum amount due on your due date, or to make larger payments to reduce your balance more quickly. As you make payments, you can take out additional cash advances (up to your approved credit limit), giving you control over how and when you use your funds.

Should you choose, we will even keep your line of credit open with a zero balance for up to one year.

Why Choose a Line of Credit?

More Cash

More Cash

More than 3 times the cash compared to payday loans.

More Options

More Options

Pay interest ONLY for the time you use the cash.

More Flexibility

More Flexibility

Get additional cash advances up to your approved limit anytime.

Paying more than the minimum payment is encouraged so that you pay less in interest charges. As a Speedy Cash Customer, you will never be penalized for paying off early. Once your balance is paid in full, we will even keep your line of credit open, so that you can get more cash in the future if you should need it.

Lower Fees*

*Costs less than typical bank overdraft fees, credit card late fees or traditional Payday Loans.

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Pay only the minimum payment or pay more to lower your balance down faster.


1. Apply for a line of credit

Complete your application online, over the phone, or in a store in just minutes. Apply Now


2. Get an instant lending decision

We'll immediately inform you whether your credit application has been approved and if approved, the amount of credit available to you.


3. Choose how much to borrow

Select how much you would like to borrow, up to your approved credit limit. Remember that you will only pay interest on the amount you borrow.


4. Sign your loan documents

Review your loan terms and sign your loan documents.

Get Cash

5. Get your cash

If you apply in a store, you will get your cash on the spot. If you apply online, choose to get your cash direct deposited to your checking account, instantly loaded* to your opt+ prepaid card, or pick up your cash at a store.
*Instant funding subject to system limitations.

Make Payments

6. Make loan payments

On your loan due dates, choose to pay off your entire balance, or make only the required minimum payment.

Access Additional Credit

7. Access additional credit

Need more? Get a cash advance on your available credit at any time. No need to reapply, just sign in to your online account or visit a store!

Frequently Asked Questions

Still not clear how Speedy Cash line of credit loans work? We want you to fully understand the process before you decide to apply for a loan with us. Keep reading to get answers to your questions about line of credit loans.

Q: How much money can I borrow?

A: Loan amounts are determined by your annual salary and wages, and a review of your debt. Each state allows for a different maximum loan amount, see our Rates and Terms pages to see the maximum loan amount in your state.

Q: What do I need to apply for line of credit loan?

A: When applying for a line of credit loan from Speedy Cash, you will need the following to get started:

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Form of Identification

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Steady source of income

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Open and active checking account

Q: When will I receive my funds?

A: When you need cash now, this question is probably top of mind! Speedy Cash is proud to offer a number of different funding options so that you can select the option best for you.

Online Loans

Online loans are funded the next business day directly into the checking account you provided when applying or if you are near one of our store location you may stop by to pick up your funds in person same day.

Store Loans

Store loans are funded on the spot allowing you to leave with cash in hand.

Q: When will my payments be due?

A: Your first loan payment will be due on your next pay date, unless your loan is taken out within %%days%% days of your pay date. In this case, your first payment would be due on the following pay date. Your loan will be split into equal payments over a period of time stated at time of loan and in your loan documents.

Q: How much will my loan payments be?

A: Daily interest will be charged on the amount you borrow, but you only have to pay interest for the time you borrow the money. And you can choose to pay off your balance at any time — putting you in control of the amount you pay.

Q: How can I access my available credit?

A: Need more cash? As you pay down your loan, you can immediately receive more cash up to your credit limit. Just go online or log into the Speedy Cash app and click “Get more cash!”

Q: What happens if I can't make my scheduled loan payments?

A: Speedy Cash encourages all of our customers to only borrow what they can afford to pay back on their next pay date. However, we understand that emergencies happen. If you are unable to repay your loan, give us a call or pop into a store. We may be able to change your due date or work out an alternate payment plan.

Questions? We're standing by!

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