Online Loans in Virginia up to $750

Get Fast Cash with a Line of Credit Loan

From Richmond to Roanoke, Speedy Cash offers quick loans online to help with your financial emergencies. With a line of credit, your loan remains open for as long as you need it.

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Speedy Cash Reviews

"I just want to say, Thank you, Thank you, Thank you, for having approved this loan to me as I was in a financial bind due to my tax refund being delayed."

- Kristel K

"Fantastic site folks, easy to use."

- Gabby K

"Thank you so much! You all have been a help in times when I especially needed it."

- Terri J

Actual customer testimonials

Speedy Cash Loans

Whether you need cash for bills, auto repairs, or any other emergency expense, a Speedy Cash line of credit loan may be able to provide the cash you need. Our line of credit loans are designed to give you flexibility to get cash when you need it, without having to apply for a new loan. In addition, you will only pay for the time you use the cash. Need cash now? Our online application takes just minutes to complete and offers options to get your cash instantly. Start your application from anywhere in "Old Dominion" now!

Flexible Payments

Pay interest ONLY for the time you use the cash.*
*Other fees may apply.

Borrowing Flexibility

Get additional cash advances up to your approved limit.

Quick Funding Options

Get cash instantly when you have it funded to your Opt+ Prepaid Debit Card. Or get cash the next business day with Direct Deposit.

How Does a Line of Credit Work?

1. Apply Online

Receive an instant
lending decision.

2. Receive Lending Decision

If approved, we’ll give
you a credit limit.

3. Get Cash

Get your cash, up to
your approved amount.

4. Make Payments

Make regular
payments over time.

5. Withdraw Cash

As you make payments, access
cash up to your credit limit.

How Do Line of Credit Loans Differ from Payday Loans?

A payday loan is a short-term loan that is typically due to be paid back on your next pay day, along with a flat fee. A line of credit loan allows you to make payments over time and not pay off the full loan all at once. With a line of credit, you can pay down your loan, and then access more cash – up to your credit limit – whenever you need cash. With payday loans, if you need more cash, you have to apply for a new loan.

Line of Credit Loans

Repayment Terms

Repay the loan over time instead of paying in full on your pay day.

Loan Fees

Pay daily interest for the time you use the loan.

Additional Cash

Access additional cash at any time – up to your approved credit limit – without having to apply again.

Payday Loans

Repayment Terms

Pay the loan back on your next pay day.

Loan Fees

Pay a flat fee for the amount you borrow.

Additional Cash

Apply for a new loan once your open payday loan is paid in full.

Not sure if a line of credit is right for you?

Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Installment title loans subject to minimum auto value requirements. See associate for details. Lending decisions and funding times subject to system limitations. Same day funding only available for Opt+ cardholders and in-store pickup. Minimum age to apply in Alabama is 19. A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday advances are not recommended as long-term financial solutions. Customers with credit difficulties should seek consumer credit counseling.

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.

In 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 business as an authorized delegate of Western Union Financial Services, Inc. under Chapter 151 of the Texas Finance Code. Speedy Cash engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. and Western Union Financial Services under Chapter 151 of the Texas Finance Code.

In Ohio, SCIL, Inc. dba Speedy Cash, is a registered Ohio Credit Services Organization (CS.900174.000) operating pursuant to the Ohio Credit Services Organization Act. The actual lender is an unaffiliated third party. The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.

CA: Licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. California loans other than deferred deposit loans are issued pursuant to the California Financing Law. Installment Title Loans subject to minimum auto value requirements.

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.

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.

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: Free 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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