Simple
Not to be confused with a cash advance from a line of credit or credit card, a Cash Advance is a small personal loan that can be used to cover an unplanned or everyday expense when you’re short on cash.
Straightforward
A Cash Advance from Speedy Cash, like a Payday Loan, is a short-term loan designed to be paid back on or around your next payday. Lending decisions for Cash Advance Loans are rendered quickly and often funding occurs on-the-spot.
Quick
We’re so quick, in fact, that in some cases you could receive an almost instant cash advance by getting cash the same day in-store, or with Instant Funding† to a debit card.
Select your state to see loans and amounts.
Installment Express Title Loans
Up to 7500
- No clear title required
- No vehicle inspection
- You keep your car
Title Loans
Up to 25000
- Use your car to get cash
- You keep your car
- Most makes and models*
Installment Loans
Up to $5,000
- Repay with scheduled payments over time
- Pay off early and save
- Pay daily interest on outstanding principal
Title Loans
Up to $25,000
- Use your cash to get cash
- You keep your car
- Most makes and models*
Installment Loans
Up to $5,000
- Repay with scheduled payments over time
- Pay off early and save
- Pay daily interest on outstanding principal
Payday Loans
Up to $2,500
- Short term loan to help with emergency expenses
- Flat fee
- Pay back on your next payday
Title Loans
Up to $25,000
- Use your car to get cash
- You keep your car
- Most makes and models*
Installment Loans
Up to $2,500
- Repay with scheduled payments over time
- Pay off early save
- Pay daily interest on outstanding principal
Title Loans
Up to $2,500
- Use your car to get cash
- You keep your car
- Most makes and models*
Payday Loans
Up to $200
- Short term loan to help with emergency expenses
- Flat fee
- Pay back on your next payday
Title Loans
Up to $300
- Use your car to get cash
- You keep your car
- Most makes and models*
Payday Loans
Up to $300
- Short term loan to help with emergency expenses
- Flat fee
- Pay back on your next payday
Title Loans
Up to $25,000
- Use your cash to get cash
- You keep your car
- Most makes and models*
Payday Loans
Up to $3,000
- Interest accrues daily
- Pay off early and save
- Pay off interest and principal at the end of the term
Installment Loans
Up to $3,000
- Interest accrues daily
- Pay off early and save
- Pay interest and principal over time
Title Loans
Up to $800
- Use your car to get cash
- You keep your car
- Most makes and models*
Payday Loans
Up to $300
- Short term loan to help with emergency expenses
- Flat fee
- Pay back on your next payday
Line of Credit
Up to $4,000
- Ongoing access to cash
- Scheduled payments over time
- Pay daily interest on outstanding principal
Payday Loans
Up to $500
- Short term loan to help with emergency expenses
- Flat fee
- Pay back on your next payday
Title Loans
Up to $25,000
- Use your car to get cash
- You keep your car
- Most makes and models*
Cash Advance Loan Amounts & Availability
Cash Advance Loans from Speedy Cash are available in multiple states across the US. Loan availability and lending limits vary by state, so double check your state’s limits prior to applying. You can apply for an online Cash Advance over the phone, or in store with our team.
- Alabama: $100 - $500
- Alaska: $100 - $500
- California: $100 - $255
- Indiana: $100 - $700
- Kansas: $100 - $500
- Louisiana: $100 - $350
- Mississippi: $100 - $200
- Nevada: $100 - $500
- North Dakota: $100 - $500
- Oregon: $100 - $300
- Texas: $100 - $200
- Washington: $100 - $500
- Wyoming: $100 - $200
Depending on the source of a Cash Advance, you may notice that this term has more than one possible meaning. For example, a Cash Advance could mean withdrawing funds from a credit card line of credit—which is typically a separate line of credit from the credit limit associated traditionally with the credit card. If you withdraw cash from an ATM using your credit card, you may be utilizing a Cash Advance line of credit vs making a traditional charge on your card. A fee may be associated with credit card Cash Advances imposed by the card provider, ATM, or both. Cash Advances via credit card often have different interest rates than traditional credit card charges. The interest, often higher than the rate of everyday charges, is typically charged if the amount borrowed isn’t repaid prior to the end of the billing cycle.
What Are Cash Advance Apps?
Cash Advance apps are another avenue for accessing Cash Advances. A relatively new player in the short-term lending space, Cash Advance apps typically allow you to borrow money based on your future paycheck. These loans are then paid back, usually, via automatic payment from your bank after your next pay day. Cash Advance apps do not usually charge an interest rate, but they do often have subscription charges or other fees associated with use. It’s important to note that Cash Advance apps often aren’t held to the same laws and regulations as traditional lenders.
Cash Advances From Speedy Cash
At Speedy Cash, Cash Advances are offered in the form of a Payday Loan, which is a short-term loan that provides access to cash prior to pay day. Waiting for your next check to cover an important expense? A Cash Advance Loan allows you to use your cash early and pay back the amount borrowed, along with a fee, on or around your next pay day. Fees for a Payday Loan are usually a flat fee per $100 borrowed, and Speedy Cash abides by all applicable laws and regulations in each state we operate in. Speedy Cash started helping customers with their fast funding needs in 1997, and our team is always standing by ready to help with any questions you may have about the Cash Advance process. We aim to make the application process quick, lending decisions are rendered speedy fast, and we offer funding as soon as same-day.
What are the benefits of a Cash Advance Loan?
Speedy Cash is your go-to Cash Advance lender. Unlike longer term installment loans, Cash Advance Loans are specifically designed for quick access to cash for a short period of time. Need a few extra bucks before pay day? Facing an unexpected expense? A Cash Advance is an option that provides fast funding without a longer term commitment and repayment schedule. At Speedy Cash you can even obtain a Cash Advance online or over the phone if you want to skip the trip to the store because we know that convenience is key when you need cash quickly.
The Cash Advance Loan Process
Submit a Cash Advance Application
Apply online, in store, or over the phone. Make sure you have your government issued ID, bank account information, and proof of income on hand to expedite the application process
Receive a Lending Decision
After submitting your application you will receive a swift lending decision. Multiple factors are considered when making a lending decision, and we encourage you to apply even if other lenders have failed to approve you. Even if you have less than stellar credit, you could be eligible for a loan.
Get Your Funds
You can pick up your cash in store depending on your location, or if you applied online or via phone you can receive a direct deposit into your bank account as quickly as the same business day. You can verify when to expect funds with a Speedy Cash representative.
Repay Your Loan
A Cash Advance, like a Payday Loan, is typically due on or around your next pay day, at which time your loan will be due in full.
What Do I Need to Apply?
- Valid Government Issued ID - you must be at least 18 years or older to apply (19 years or older in Alabama)
- Proof of steady income source
- Active checking account information including routing and account numbers
- Working telephone number
Cash Advance Help Center
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 & Terms.
Having bad credit can limit credit access. However, Speedy Cash is often able to work with customers who have bad credit by taking into account their ability to repay the loan and income information. To see if you qualify for a Cash Advance, apply online, over the phone, or in person at a Speedy Cash store and receive an approval decision within minutes.