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Cash Advance Loans

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What is a Cash Advance?

The term “cash advance” can have different meanings.

A cash advance can be a withdrawal from a line of credit or a credit card. In this sense, if you have available credit, you can draw money from your credit line. Sometimes a fee will be charged to withdraw a cash advance. And if the money isn’t paid back before the end of the billing cycle, there is typically an additional finance charge or applied interest.

There is also a cash advance loan, which is sometimes referred to as a payday loan. Cash advance loans are short-term personal loans that can be used when you’re in a cash bind. They can be used for things like covering unplanned expenses or everyday bills.

Is a Cash Advance Loan Right for Me?

Before applying for a cash advance loan, it’s important to consider both your current situation and options available.

Do you have other options?

Cash advance loans are high-interest loans. If you have an alternative, less expensive option for cash then that may be the preferred path. Here are a few options to consider:

  • Do you have friends or family members who can help you?
  • Do you have an emergency fund or savings account that you can dip into?
  • Do you have a credit card with a lower interest rate that you can use?

Do you understand the rates & terms?

Rates and terms should clearly be disclosed – whether you are applying online or in a store. Review this information to fully understand how the cash advance loan works before you apply. It’s important to understand what you are getting into before you decide to move forward.

Can you afford the payments?

If you’re approved for a cash advance loan, you will have the opportunity to fully review your loan agreement before signing it. Detailed repayment information should be included in your agreement. Carefully review this information to make sure you can afford the payments. At this point, you still have the option to back out of the loan. If you cannot afford the payments, you may want to consider alternate options.

Why Speedy Cash?

  • Reliable Loans Since 1997

    Speedy Cash has been a trusted cash provider for more than 20 years. From the start, our quick cash loans have continued to evolve to meet our Customers’ needs.

  • Convenient Ways to Apply

    As we like to say “Call, Click or Come In!” Life is hectic, and we want to be here for you no matter what your day looks like. That’s why we offer three convenient ways to apply, so no matter where life takes you, we’re here for you.

  • We’re Regulated

    This may sound a bit scary, but regulations are in place to protect you. We adhere to state and federal payday loan regulations, and we are regularly audited (at both a state and federal level) to make sure that we’re following these regulations to a tee.

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Is a cash advance loan right for you? Complete your application online, or visit one of our stores to get started today.

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Cash Advance Loan Questions

How much money can I get with a cash advance loan from Speedy Cash?

When determining approval amounts, several factors are considered. During the application process, Speedy Cash considers your current income and the state you reside in, among several other factors. Maximum loan amounts vary by state.

What is the interest rate on a cash advance loan?

Speedy Cash is a state-licensed lender (where licenses are required). Some states have different laws and regulations that drive the amount of the finance charge on a cash advance loan. Due to these laws, finance charges vary by state. To view the finance charges in your state, visit our rates and terms.

What do I need to apply for a cash advance loan?

If you choose to apply with Speedy Cash, then you will need the following information to complete an application:

  • Valid ID
  • Open & active bank account
  • Source of income

Help is at Your Fingertips

Need more information? That’s no problem, we’re here to help. Here are a few resources that we think might be beneficial. And if you still have questions after reviewing these resources, dont’t hesitate to call our friendly Customer Service Team at 1-888-333-1360.

How Do Cash Advance Loans Work?

We will walk you through the process so that you know exactly what to expect if you decide to apply.

In-Depth FAQs

If you’re new to this cash advance thing, we understand you might have a laundry list of questions. Visit our dedicated FAQ web page to get the ins and outs on cash advance loans.

Personal Finance Education Blog

You might be in an emergency situation now, but let’s not forget to focus on the future. Read our blog to learn how you can avoid an emergency cash situation in the future.

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Product types and maximum loan amounts vary by market. Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Title loans subject to minimum auto value requirements. See associate for details. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision.

Short term loans should be used for short-term financial needs and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

The credit decision on your application may be based in whole or in part on information obtained from a national database including, but not limited to, TransUnion, Equifax, LexisNexis or FactorTrust, Inc.

Instant funding is not applicable for all debit cards and is not available in New Mexico, Ohio or South Carolina. Subject to system limitations. Some restrictions may apply.

Cash advances only available up to approved credit limit; some restrictions may apply.

NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.

Alabama: Minimum age to apply in Alabama is 19.

California: Speedy Cash is licensed by the Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law. California loans other than deferred deposit loans are issued pursuant to the California Financing Law.

Nevada: The use of check-cashing services, deferred deposit loan services, high-interest loan services or title loan services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

New Mexico: Speedy Cash is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website

Tennessee: The State of Tennessee requires a minimum principal reduction. In order to comply with the minimum state-required principal reduction, Speedy Cash requires that minimum payments include a principal reduction of 2% or $2.50 for Customers who get paid bi-weekly/twice-a-month, or 4% or $5 for Customers who get paid monthly, whichever is greater.

Texas: Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party. Speedy Cash engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. under Chapter 151 of the Texas Finance Code. If you have a complaint, first contact MoneyGram Payment Systems, Inc. at 1-800-MONEYGRAM. If you still have an unresolved complaint regarding the company’s money transmission or currency exchange activity, please direct your complaint to the Texas Department of Banking: 2601 North Lamar Boulevard, Austin, TX 78705-4294, 1-877-276-5554 (toll free),

Opt+: This card is issued by Axiom Bank or Metropolitan Commercial Bank, Member FDIC, pursuant to a license from Visa. Visa is a registered trademark of Visa USA Inc. All trademarks and service marks are property of their respective owners. ATM: No fee withdrawals at any Speedy Cash or Rapid Cash location. Transaction fees will apply for all other ATMs. No charge loads/unloads at Speedy Cash and Rapid Cash locations only.

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