Get the access to up to 50 lenders in 1 click
By submitting my information, I acknowledge that I have read and agree to the terms of the Privacy Policy & Terms of Use, I also consent to receive telephone calls (including SMS text messages) as explained here. (This message is not a condition to obtaining a loan or any services).

CashspotUSA created by people, created for people

Popular offers for you

Big Picture Loans
5/10
    Loan term: 4 - 18 Months
    Loan amount: $200 - $3500
    APR up to: 699%
    Time to money: Next business day
    Lender for online payday loan
    LendUp
    5/10
      Loan term: 7 - 30 Months
      Loan amount: $100 - $255
      APR up to: 447%
      Time to money: Next business day
      Online lender for payday loans
      CashNetUSA
      7.3/10
        Loan term: 6 - 24 Months
        Loan amount: $100 - $3500
        APR up to: 474.51%
        Time to money: Same day if done before 10:30am CT
        Lender for online payday loan
        NetCredit
        5/10
          Loan term: 6 - 60 Months
          Loan amount: $1000 - $10000
          APR up to: 155%
          Time to money: 1 to 3 business days
          Online lender for payday loans
          Cash Central
          5/10
            Loan term: 6 - 24 Months
            Loan amount: $300 - $5000
            APR up to: 739%
            Time to money: Next business day
            Lender for online payday loan
            Cash Aisle
            5/10
              Loan term: 12 - 18 Months
              Loan amount: $500 - $2500
              APR up to: 787%
              Time to money: Next business day
              Online lender for payday loans
              Aspen Financial Direct
              5/10
                Loan term: 12 - 24 Months
                Loan amount: $500 - $5000
                APR up to: 275%
                Time to money: Next business day
                Lender for online payday loan
                Cashstore
                5/10
                  Loan term: 1 - 30 Months
                  Loan amount: $100 - $5000
                  APR up to: 780%
                  Time to money: Next business day
                  Online lender for payday loans
                  Blue Trust Loans
                  6.2/10
                    Loan term: 6 - 12 Months
                    Loan amount: $100 - $2000
                    APR up to: 841%
                    Time to money: Same day if done before 11:45 EST
                    Lender for online payday loan
                    Ace Cash Express
                    5.5/10
                      Loan term: 6 Months
                      Loan amount: $200 - $2000
                      APR up to: 890.4%
                      Time to money: Next business day (online), immediately (offline)
                      Online lender for payday loans
                      Rise Credit
                      5/10
                        Loan term: 4 - 26 Months
                        Loan amount: $300 - $5000
                        APR up to: 299%
                        Time to money: Next business day
                        Lender for online payday loan
                        Opploans
                        5/10
                          Loan term: 9 - 36 Months
                          Loan amount: $1000 - $4000
                          APR up to: 199%
                          Time to money: Next business day
                          Online lender for payday loans
                          Check `n Go
                          5/10
                            Loan term: 1 - 8 Months
                            Loan amount: $100 - $5000
                            APR up to: 812%
                            Time to money: Next business day
                            Lender for online payday loan
                            Spotloan
                            5/10
                              Loan term: 10 Months
                              Loan amount: $300 - $800
                              APR up to: 490%
                              Time to money: Next business day
                              Online lender for payday loans
                              Green Trust Cash
                              5/10
                                Loan term: 10 Months
                                Loan amount: $300 - $1000
                                APR up to: 725%
                                Time to money: Next business day
                                Lender for online payday loan
                                Balance Credit
                                5/10
                                  Loan term: 4 - 24 Months
                                  Loan amount: $100 - $1500
                                  APR up to: 720%
                                  Time to money: Next business day
                                  Online lender for payday loans

                                  Online payday loans like speedy cash

                                  • ✅ Online payday loans like speedy cash - in Cashspotusa
                                  • ✅ Loans online!
                                  • ✅ Online payday loans like speedy cash

                                  Speedy Cash is a well-known provider in the fast-loan market, offering both short-term and installment loans with high Annual Percentage Rates (APRs). These loans are designed for individuals who need quick access to cash, often in emergency situations. Speedy Cash sets itself apart by offering installment loans, which are personal-loan lookalikes with longer repayment periods than conventional payday loans, albeit at higher interest rates.

                                  The Need for Alternatives to Speedy Cash

                                  While Speedy Cash's services are convenient and widely accessible, the high APRs (ranging from approximately 400% to 700%) associated with its loan products prompt many consumers to seek more affordable alternatives. Exploring other options is essential for borrowers who wish to avoid high costs and find more flexible or lenient loan structures that better suit their financial circumstances.

                                  Types of Loans Similar to Speedy Cash

                                  There are various types of loans similar to those offered by Speedy Cash, catering to different financial needs. These include payday loans, which are typically small, short-term loans intended to cover urgent expenses; personal installment loans that offer larger amounts with longer repayment terms; lines of credit that provide flexible borrowing options; and title loans, which are secured against the borrower's vehicle.

                                  Direct vs. Network Lenders: Understanding the Difference

                                  In the lending world, direct lenders like Speedy Cash provide loans directly to the borrower, while network lenders serve as intermediaries, connecting borrowers with a network of potential lenders. Understanding this distinction is crucial when searching for loans, as it impacts the terms, range of choices, and even the speed of loan approval and disbursement.

                                  Top Competitors and Alternatives to Speedy Cash

                                  In this comprehensive evaluation, we look into various lenders that offer services similar to Speedy Cash, delving into their unique features, services, and customer ratings. This insight is crucial for borrowers to make informed decisions.

                                  MoneyMutual: Features and Benefits

                                  MoneyMutual is a prominent online marketplace offering short-term loans up to $5,000. It stands out for its rapid funding capability, often within 24 hours, and a simple online application process. Trusted by over 2 million customers, it connects borrowers with a diverse pool of lenders, making it easier to find a loan that suits individual financial needs.

                                  24/7 Lending Group: Services and Consumer Ratings

                                  24/7 Lending Group offers personal loans ranging from $500 to $35,000, catering to a wide spectrum of credit types. The platform has been assisting consumers since 2001 and boasts a high Trustpilot rating, reflecting its commitment to customer satisfaction and trust.

                                  CashUSA.com: Loan Options and Application Process

                                  CashUSA.com is a network that offers loans from $500 to $10,000, with quick decision-making processes and direct fund transfers to bank accounts. Its service is particularly notable for its versatility, allowing the loans to be used for various purposes.

                                  SmartAdvances.com: Loan Terms and Accessibility

                                  SmartAdvances.com provides personal loans ranging from $100 to $20,000. The platform is recognized for its rapid approval process, often within minutes, and the absence of hidden fees. Funds can be deposited into accounts as soon as the next business day, used for any purpose, making it a flexible choice for borrowers.

                                  BadCreditLoans.com: Loan Range and Quick Funding

                                  BadCreditLoans.com specializes in connecting borrowers with lenders for loans between $500 to $10,000. It is particularly accommodating to individuals with bad credit, providing a simple application form and quick funding, often by the next business day, if approved.

                                  CreditLoan.com: Loan Solutions for Bad Credit

                                  CreditLoan.com offers a range of loans from $250 to $5,000, focusing on customers with bad credit. Since 1998, it has served over 750,000 customers, depositing cash directly into accounts and providing funding as soon as the following day.

                                  BillsHappen®: Flexibility and Credit Ratings

                                  BillsHappen® is known for offering quick loans up to $5,000 with a unique feature of submitting one form to get multiple loan options. The platform welcomes all credit ratings and has gained exposure on major news outlets like CNN and FoxNews.

                                  PersonalLoans.com: Extensive Lender Network and Fast Decisions

                                  PersonalLoans.com offers loans from $1,000 to $35,000 through a large network of lenders. It is praised for its fast loan decision process and the flexibility to use the loan for any purpose, with funding available as soon as one business day after approval.

                                  APR and Fees: A Comparative Analysis

                                  This section offers a detailed comparison of APRs and associated fees across different lenders. It provides a clear understanding of the cost implications of various loans, enabling borrowers to make cost-effective decisions.

                                  The True Cost of Payday Loans: A Critical Look

                                  In this critical examination, we delve into the high costs associated with payday loans. This analysis is vital for borrowers to comprehend the financial implications and to consider more affordable loan options.

                                  General Eligibility Criteria for Quick Loans

                                  Most quick loan providers require applicants to be of legal age, have a steady income source, and a valid bank account. Some may also consider credit history, though requirements vary among lenders.

                                  Streamlining the Application Process for Fast Approval

                                  This part provides practical advice on efficiently navigating the application process, including tips on preparing the necessary documents and information, to facilitate swift loan approval.

                                  Credit Requirements and Considerations

                                  Impact of Credit Score on Loan Approval

                                  This segment emphasizes the importance of credit scores in loan approvals. A higher credit score often leads to better loan terms, while a lower score may limit options or increase costs.

                                  Loans Without Credit Checks: Pros and Cons

                                  Here, we explore options like payday and title loans, which don’t require hard credit checks. While these loans offer quick access to funds, they often come with high fees and interest rates, posing significant financial risks.

                                  Strategies to Enhance Creditworthiness

                                  Improving one's credit score is a critical step toward enhancing loan approval odds. Timely bill payments and keeping debt levels low are effective strategies for boosting creditworthiness.

                                  Debt-to-Income Ratio and Its Importance

                                  The debt-to-income (DTI) ratio is a key factor lenders consider. This section explains how to calculate and improve DTI, enhancing one's chances of loan approval.

                                  Legal and Consumer Considerations

                                  Navigating Legal Aspects of Payday Loans

                                  This section provides insights into the legal framework surrounding payday loans, helping borrowers understand their rights and the regulatory environment.

                                  Consumer Reviews and Trustworthiness of Speedy Cash

                                  We assess customer reviews and legal actions involving Speedy Cash to offer a balanced perspective on its services. This assessment helps potential borrowers gauge the lender's reliability and customer satisfaction levels.

                                  Choosing the Right Alternative to Speedy Cash

                                  The conclusion offers guidance on selecting the most suitable loan provider based on individual financial needs and circumstances.

                                  Final Recommendations and Key Takeaways

                                  The article wraps up with key takeaways and final recommendations for those considering loans similar to Speedy Cash, emphasizing informed decision-making and responsible borrowing.

                                  FAQ

                                  1. What are 'loans similar to Speedy Cash'?

                                  Loans similar to Speedy Cash refer to short-term, high-interest loans like payday loans, installment loans, title loans, and lines of credit. These loans are typically used for emergency financial needs and are known for their quick approval and disbursement processes.

                                  2. How do these loans differ from traditional bank loans?

                                  Unlike traditional bank loans, these loans usually have higher interest rates, shorter repayment terms, and less stringent credit requirements. They are designed for quick access to cash, often without the need for extensive credit checks or collateral.

                                  3. Are there alternatives to payday loans?

                                  Yes, alternatives to payday loans include installment loans, personal lines of credit, credit union loans, credit card cash advances, borrowing from friends or family, or seeking assistance from community programs.

                                  4. What is required to qualify for a loan similar to Speedy Cash?

                                  Qualification requirements vary by lender but typically include proof of income, a valid ID, and a bank account. Some lenders may also require a credit check or collateral for larger loans.

                                  5. How quickly can I get a loan similar to Speedy Cash?

                                  Many lenders offer quick processing times, with some providing same-day or next-business-day funding. The exact time can vary based on the lender and individual circumstances.

                                  6. What are the typical interest rates for these types of loans?

                                  Interest rates for loans similar to Speedy Cash can be quite high, often ranging from around 200% to over 400% APR. It's important to check the specific terms offered by each lender.

                                  7. Can I get a loan similar to Speedy Cash with bad credit?

                                  Yes, many of these loans are accessible to individuals with bad credit. Lenders often prioritize proof of income over credit history.

                                  8. Are there any risks associated with these types of loans?

                                  Yes, due to their high interest rates and fees, there is a risk of falling into a debt cycle. It's crucial to understand the terms and ensure the ability to repay the loan on time.

                                  9. How do I choose the best loan option for me?

                                  Consider factors like interest rates, fees, repayment terms, and lender reputation. It's also important to assess your ability to repay the loan without compromising your financial stability.

                                  10. What should I do if I cannot repay my loan on time?

                                  Contact your lender immediately. Many lenders are willing to discuss repayment options or extensions. Avoiding the issue can lead to increased fees and negative impacts on your credit score.

                                  References
                                  1. Forms Banking and Financial Institutions
                                    https://banking.mt.gov/Home/Forms
                                  2. Financing City of Santa Fe New Mexico
                                    https://www.santafenm.gov/financing
                                  3. Tribal Credit Soboba Band of Luiseno Indians
                                    https://www.soboba-nsn.gov/tribal-credit

                                  A pay day loan is a type of short-term personal credit without collateral. The service got its name due to very popular need among the population to urgently get a small amount of money until the next paycheck. Pay day loans are mostly issued by microfinance organizations, but large banks do not refuse this segment of the credit market either.

                                  A conventional loan is a type of mortgage, the peculiarity of which is the absence of state guarantees. On the one hand, it can be considered a certain disadvantage, but on the other hand, the non-participation of the state makes the terms of the loan much more flexible.

                                  A peer-to-peer lending is a way of lending money to unrelated individuals or 'peers' without involving a traditional financial intermediary such as a bank or other financial organization. Loans are provided online on the websites of special lending institutions through a variety of lending platforms and credit check tools.

                                  A payday loan is a small short-term unsecured loan, usually issued by microfinance institutions. The issuance of such loans depends on the consumer's previous wages and employment history. Legislation on payday loans varies widely from state to state. To prevent usury (unreasonable and excessive interest rates), some jurisdictions limit the annual interest rate a lender can charge. Additionally, payday loans assume a higher rate of default on the loan.

                                  First of all, you need to know under what scheme you have to pay the loan: annuity or differential. Each of the schemes has its own formula, which can be found in a couple of seconds on the Internet. The repayment scheme is spelled out in the contract. You also need to know the basic terms of the loan, including the interest rate, and any additional payments.

                                  Although the term has a rather wide range of meanings, in general, discount points are additional fees charged by the lender when issuing a loan. Through this fee in favor of the lender, the borrower is entitled to expect an appropriate reduction in the interest rate on the loan. In each case, the borrower should carefully evaluate whether it is advantageous to pay more as an upfront fee but receive a lower interest rate for the entire term of the loan, or to choose a higher interest rate with a lower down payment.

                                  A non recourse loan is a secured loan (in which the collateral is most often real estate) which has a very important feature. If the borrower fails to fulfill his obligations under the loan agreement, he is liable to the lender only to the extent of the collateral, even if its value is less than the amount of the borrower's obligations to the lender.

                                  A non-QM (Non-Qualified Mortgage) loan is a mortgage loan designed for borrowers who cannot qualify for a standard mortgage. Non-Qualified Mortgage loans are assessed using non-standard evaluation methods, usually without regard to credit score and similar criteria applied to Qualified Mortgage loans.

                                  A monthly payment consists of a payment of principal and accrued interest. The principal to interest ratio may vary. If a borrower is delinquent, penalties and late payment charges may be added to the payment. There are two ways to calculate a loan: annuity and differential. To calculate the approximate amount of the payment before the loan is taken out, all you need to know is the loan amount, the interest rate and the term of the loan. It is important to consider that in fact the loan may include a number of other payments, such as for insurance or informing about the transactions. This will be specified in the loan agreement. And in general to calculate the monthly payment you can always use a loan calculator.

                                  A loan margin is defined as the difference between the appraised value of a product or service and the amount of the loan issued by the bank for the purchase of that product or service. These two figures are fixed in the loan agreement at the time a borrower applies for a loan.

                                  A bridge loan is a type of short-term lending in which a loan is granted for a fairly short period of up to 1 year at a high interest rate to pay the current obligations of the borrower.

                                  Although the range of interest rates offered by U.S. lending institutions in 2021 varies from 3% to 36%, the average interest rate for personal loans has remained about the same for the past 2-3 years, namely 11-12%. Of course, this figure is purely theoretical, because in practice everything depends on a variety of factors and criteria.

                                  The basic way is to break down your balance by month and apply the interest rate you consider. However, this leaves amortization and additional options, such as insurance, behind the scenes. Moreover, there are two methods of calculating a loan payment: annuity and differential, each with its own formula. To make things easier, you can use a free loan calculator.

                                  A USDA (United States Department of Agriculture) loan is a mortgage loan with no down payment issued to U.S. citizens for the purchase of real estate in rural and suburban areas. As a rule, the target audience of USDA loans are people with incomes below average, who cannot afford to buy a house in urban areas, as well as people who, for some reason, are unable to conclude a standard mortgage agreement.


                                  Safe and secure

                                  256-bit encryption and SSL technology keep your data secure

                                  Shop with confidence

                                  We protect your personal information

                                  No fees

                                  We’ll never make you pay for using our service

                                  Limited risk comparison

                                  We help you find a lender that suits your needs

                                  How it Works

                                  1. Contact Us

                                  Apply online, in one of our stores or give us a call now.

                                  2. Get Approved

                                  Get fast approval with the customer service you deserve.

                                  3. Get Your Cash

                                  Cash in hand or in your bank account the same day.

                                  CashspotUSA reviews

                                  Richard Fulton

                                  Easy to get a loan

                                  Simplified the procedure for getting a loan to the maximum. You can choose an offer, compare conditions and send applications online to several banks at once. Within a day the money can be received in the way most convenient to you.

                                  William Blomfield

                                  Loans with no problem

                                  When I needed money urgently, I turned to this site. Easily filled out the application. Got approval for the loan quickly. Got the money almost immediately. In general, there were no problems with obtaining the loan. Will definitely continue to apply here for money.

                                  Gloria Johnson

                                  Pretty nice service

                                  Pretty nice service via which I found and applied for a loan on fairly good terms. I would like to mention the high level of service and the speed of processing my application.

                                  Jamie Chesterton

                                  The easiest loans possible

                                  I like the interface of the website, everything is intuitive. Can apply for a loan in just few clicks. Will absolutely come back here if I need another loan.

                                  Peggy Allford

                                  Could even find a noninterest loan

                                  Great site, found an interest free credit! My application was approved, I got the money and repaid on time, everything is transparent. And there are real offers here without interest. If you pay on time, you can use the money for free.

                                  Anthony Forster

                                  Modern and convenient

                                  Very easy to use. Chose quick loan, processed it in less than ten minutes, money came to my card. Acceptable credit rate. In general, no regrets, I recommend it.

                                  Elsie Eddington

                                  Helped with money to move

                                  Took a loan, as in a short time needed a certain amount of money to move to another city. I found this website and chose the best option available. The loan was approved in a day. Very happy with the result.

                                  William Adams

                                  Modern and convenient financial tool

                                  I really liked the website and easy search. Finding information isn't difficult at all. There are many offers from different banks, it is convenient to compare. The service is useful and it helps find the right loan for you on favorable terms.

                                  Lewis Campbell

                                  Very nice resource

                                  Not a bad site, everything went without any problems, clear and transparent. The site is definitely worth looking at and it's up to each individual ... If you want, take a loan, if you don't, just pass by. Anyway, here you can see and compare all the offers.

                                  Heather Bootman

                                  Liked this aggregator more than others

                                  Great and convenient loan aggregator. Simple and easy to use, yet provides absolutely all the information you need. I applied for a credit onto my card and managed to get it without any problems. Really enjoyed the service.

                                  Cameron Conors

                                  No problems at all!

                                  What I liked most is that this service doesn't go wrong with words and deeds. I took a loan with no problems at all! My application was submitted and processed very quickly, all the offers were convenient to evaluate and compare.

                                  Gavin Flannagan

                                  Great site with user-friendly interface

                                  Great site with user-friendly interface really easy to understand. Lots of useful materials to help newcomers. In addition, the services provided are really profitable