Cash Advances

A Simple, Straightforward Solution

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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.

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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. 

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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.

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.

ONLINE OR IN-STORE

What is a Cash Advance?

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.

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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

1

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

2

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.

3

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.

4

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.

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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

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© 2025 Speedy Cash. All Rights Reserved.

Loan Products: Subject to state regulations, eligibility, credit check, underwriting & approval, and meet state database eligibility, where required based on type of lending product requested. All products are not available at all locations. Rates, terms and conditions apply. 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.

Non-Loan Store Services: Rules, restrictions, and fees apply. See store for details.

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 Ohio, Oklahoma, Oregon, or South Carolina. Subject to system limitations. Some restrictions may apply.

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

Green Dot: Must be 18 or older to open an account. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Mobile number verification, email address verification and mobile app are required to access all features.

1. Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your Green Dot account to prevent fraud restrictions on the account.

2. Opt-in required. Account must be in good standing and chip-enabled debit card activated to opt-in. Initial and ongoing eligible direct deposits are required for overdraft coverage. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Overdrafts are paid at our discretion. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee.

3. See app for free ATM locations. 1 free in-network withdrawal per calendar month. $3.00 per withdrawal thereafter. $3.00 for out-of-network withdrawals and $1.00 for balance inquiries, plus any fee the ATM owner may charge. Limits apply.

Green Dot® cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. And by Mastercard International Inc. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits. ©2023 Green Dot Bank. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739

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: Company is licensed by the California Department of Financial Protection and Innovation pursuant to California Deferred Deposit Transaction Law, Cal. Fin. Code §23000 et seq.

California: Compañía está autorizada por el Departamento de Protección e Innovación Financiera bajo la ley de Transacciones Depósito Diferidas de California, Cal. Fin. Código § 23000, et seq.

Customers who are California residents may request information from us to know what personal information we may collect, have, or maintain about them and what we do with it per the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). If you are a California resident and wish to make a request under CCPA or CPRA, click on the “Do Not Sell or Share My Personal Information” button or link.

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.

Oregon: Licensed by the Oregon Department of Consumer and Business Services to make Deferred Deposit Loans, NLMS Id. #0267-004-S.

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.

If you 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), www.dob.texas.gov.