- Similar lenders fall into three groups: storefront chains, online lenders and lending networks.
- The cheapest alternatives are usually not payday lenders at all: cash advance apps and credit union PALs.
- Whatever you choose, check the lender is licensed in your state and compare the total dollar cost.
What Speedy Cash offers
Speedy Cash is a short-term lender that, depending on the state, offers payday loans, installment loans, lines of credit and title loans, both online and in physical stores. Products, amounts and prices vary a lot by state because each state sets its own rules for small-dollar loans.
People look for "loans like Speedy Cash" because it is not available in their state, they were declined, or they want a lower price.
Lenders similar to Speedy Cash
Storefront chains
National chains such as ACE Cash Express, Advance America, Check Into Cash and Moneytree also offer in-store cash loans in the states where they are licensed. A store is the fastest option if you need cash today, and some stores give the loan in cash, which helps if you do not have a bank account.
Online lenders
Online-only lenders such as CashNetUSA and Check 'n Go (online in some states) offer payday, installment or line-of-credit products and fund by ACH, usually by the next business day. See our lenders like CashNetUSA guide.
Lending networks
A lending network takes one request and shows it to several lenders, so you can see whether any of them will make you an offer. That is how the request form on our homepage works. It can help if you have been declined by a single lender, but read each offer carefully because terms differ from lender to lender.
Need $100–$1,000 before payday?
- One free request, many lenders
- Bad credit and benefit income considered by many lenders
- See the APR and total cost before you sign
PaydayEase is not a lender. Requests go to lenders in our network; approval, rates and terms are set by the lender. Rates & fees
Cheaper alternatives to check first
| Option | Typical cost | Speed | Credit check |
|---|---|---|---|
| Cash advance / earned wage app | Free to a few dollars per advance; optional tips or instant-transfer fees | Minutes to 1–3 days | Usually none; based on deposits |
| Credit union payday alternative loan (PAL) | Max 28% APR + up to $20 application fee | 1–2 days for members | Soft or light |
| Credit card cash advance | Cash advance fee (often 3–5%) + high APR from day one | Same day at an ATM | Only if you already have the card |
| Online installment loan | Wide range; often triple-digit APR for bad credit | Next business day | Usually yes, often specialty bureaus |
| Payday loan | Often $10–$30 per $100; ~391% APR at $15/$100 for 2 weeks | Same day in store; next day online | Usually specialty bureaus, not FICO |
- Cash advance apps can cover $20–$500 based on your direct deposits. Watch for monthly membership fees and instant-transfer fees.
- Credit union PALs are the best-priced small loans if you can join a federal credit union. See payday alternative loans.
- Ask the biller for time. Utilities, landlords and hospitals often agree to a payment plan for free.
How to choose a lender
- Check the state license. Your state’s financial regulator lists licensed lenders. Tribal and offshore lenders may not follow your state’s rules.
- Compare total cost in dollars for the same amount and term. Our calculator turns fees into APR.
- Read the rollover and late-fee rules. Repeat fees are what make short-term loans so expensive.
- Search the CFPB complaint database for the lender’s name.
- Any upfront fee before you get the loan
- "Guaranteed approval" promises
- No physical address or state license number on the website
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
What is similar to Speedy Cash?
Storefront lenders such as ACE Cash Express, Advance America, Check Into Cash and Moneytree, and online lenders such as CashNetUSA offer similar products in the states where they are licensed.
Is there anything cheaper than Speedy Cash?
Usually yes. Cash advance apps and credit union payday alternative loans (capped at 28% APR plus a $20 fee) almost always cost less than a payday loan.
Why can’t I get Speedy Cash in my state?
Each state sets its own rules for short-term loans, and some ban payday loans entirely. Lenders only operate where they are licensed and where their products are legal.