What is a Cash
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 and 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
"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.
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.
You guys are wonderful!!! When I needed money and like right then, I went on line and filled out the app and in seconds, I had the money in my account. You really are "Speedy" when it comes to pleasing the customer. Thanks for your help!
— Lavouris E. of KS
Was in a bind needed an advance fast and got all my problems handed with Speedy cash. You always see a commercial on TV CashNetUSA.com they are a joke in the pay back. Speedy Cash will be the cash advance company I will be the company I will tell my friends and family about
— Priscilla C of CA
Very nice place, if you ever need a cash advance till the next payday this is the place to go. They well attend you well, they make you feel right at home. They give you options you can work with.
— Leonel L of TX
The money was directly deposited into my bank account within a day or two. I am disabled and cannot travel. So, driving to a cash advance location was not an option. Being able to conduct business solely through the internet was a god-send. I had some unexpected expenses occur and needed a small loan to get me through to January when my next Social Security deposit arrives. Thanks so much.
— Michael H. of CA
Actual Customer Testimonials
Apply for Cash Now
Is a cash advance loan right for you?
Complete your application online, or visit one of our stores to get started today.
Cash Advance Loan Questions
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.
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
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, don't hesitate to call our friendly Customer Service Team at 1-888-333-1360.