Loans Like Speedy Cash | 5 Best Speedy Cash Online Alternatives in 2021



Sometimes your budget is exceeded and you have extra bills that need to be paid off. Be it because of an unforeseen emergency or event, because you spent more than you can afford, or simply because you found it good to splurge yourself. As such, you need more money in the short term, and getting a cash advance online is one simple way to obtain it.

There are many financial online services that can provide you with the needed credit and Speedy Cash is one of the best options you have. Check their offer and other loans like Speedy Cash to solve your issues quickly.

Loans Like Speedy Cash – #1 Alternative: Viva Payday Loans

  Loan Amounts Loan Terms APR Range Loan Fees Customer Support
Viva Payday Loans $100 – $5,000 2 to 24 months 5.99% –  35.99% Depend on lender Phone: No

Email: Yes

Shopfront: No

Fig Loans $50 – $1,000 1 – 6 months 35.99% – 211% No Phone: No

Email: Yes

Shopfront: No

Blue Trust Loans $100 – $1,000 1 – 9 months 471.7846% – 841.4532% Yes, check the contract Phone: Yes

Email: Yes

Shopfront: No

Check City $50 – $5,000 8 days – 6 months 208.57% to 912.5% Yes, check the contract Phone: Yes

Email: Yes

Shopfront: Yes

Big Pictures Loans $200 – $5,000 4 -18 months 35% – 699% Yes, check the contract Phone: Yes

Email: Yes

Shopfront: No

5 Speedy Cash Loans – Quick Pick

  • Viva Payday Loans – Best for Quick Payday Loans
  • Cash Central Loans – Good for Title Loans
  • Blue Trust Loans – Best for Installment Loans
  • Ace Cash Express – Best for Bad Credit Loans
  • Big Picture Loans – Best for Paycheck Advance

What Are Speedy Cash Loans?

As the name states, Speedy Cash aims to provide cash in a fast manner for consumers who don’t have a great credit score. Their vision is that each person should have access to credit no matter her situation.

Launched back in 1997, Speedy Cash is nowadays one of the most prominent direct lenders in the country with a strong online platform and over 100 stores. The company’s offer includes payday loans, title loans, credit lines, and installment loans, plus a series of other cash services.

You can obtain financing in one day, either by applying offline in one of their locations, either online via their website or app. Funding is usually fast and quite flexible.

Common Uses of Speedy Cash Loans

Speedy Cash does its best to avoid for its clients the struggle with long and complicated application processes and interminable strict requirements. They offer friendly loan products paired with simple application procedures.

Speedy Cash offers the following types of loans:

Payday Loans

They are short-term loans dedicated to consumers who require some supplementary money until their next paycheck. Best for emergency bills that need to be covered like unexpected medical bills, replacing a fridge that suddenly got broken, etc. Payday loans are the fastest option available with Speedy Cash.

Installment Loans

Dedicated for consumers who need higher amounts of money than possible with payday loans, fixed interest rates, and longer payment terms. Usually used for large purchases.

Title Loans

A loan option that uses the equity existing on a vehicle put as collateral for the loan. It’s the best option for persons who own vehicles fully paid and want to avoid using their income as criteria for eligibility.

Line of Credit Loans

An alternative loan for clients who want quick access to more money in a certain interval of time. It is preferred by customers struggling with their monthly budget. The lines of credit for personal purposes have flexible repayment terms and an interest that is calculated daily. Plus, as you pay your monthly due installments, you can access more cash.

How to Qualify for Speedy Cash Loans?

Each loan provider has its own eligibility criteria, but as general guidelines and based on the requirements on your state you will need some of the following:

  • Adult age (18 in most states).
  • Personal information and contact: valid ID and Social Security Number.
  • Proof of steady income.
  • Banking information, an active checking account plus routing number or card information.

Top 5 Speedy Cash Loans Alternatives – Fully Reviewed

1. Viva Payday Loans – Overall Best for Payday Loans No Credit Check

is a lending marketplace that gathers selected lenders offering competitive payday loans in the shortest period of time possible. Their mission is to help American people obtain short-term payday loans at the exact moment they need them.

Viva Payday Loans employs cutting-edge technology to deliver prompt services, connecting instantly the customer with the lenders that can answer their needs. They pride themselves on the fact that usually, they are able to deliver funds in less than a quarter of an hour.

All U.S. residents can benefit from Viva Payday services except for those in the following states:  New York, Vermont, Arkansas, Minnesota, Connecticut, West Virginia, New Hampshire, Montana, Indiana, and South Dakota.

In terms of loans, they have a very diversified offer: $100 Loans, Cash Loans, Fast Loans,  Small Loans, Bad Credit Loans, 1 Month Loans, Unsecured Loans, Cash Advance, Secured Loans, Same Day Loans, Unemployed Loans, Installment Loans among others.

Annual Percentage Rate (APR) range  5.99% –  35.99%
Fees Varies depending on the lender
Term 2 – 24 months
Amount  $100 – $5,000
Time to Receive Funds Depends on the lender, usually on the same day
Rating 4.4


  • Personal loan marketplace that collaborates with multiple lenders.
  • Quick application process.
  • All credit scores considered.
  • Wide range of lending products.
  • Fast money delivery, sometimes in under 15 minutes.


  • Interest range is displayed just in the end, no clue upfront.
  • Not available all over the U.S.
  • Loans are rather expensive

Viva Payday Loans offers similar loans like Speedy Cash, and is a prominent provider, particularly for persons who need money fast, no matter their credit score.

2. Fig Loans – Good for Short Term Loans

Fig Loans is an online lender that offers short-term loans as an alternative to payday loans and, also, an opportunity to build credit for those who need it. Fig’s vision is to provide for each consumer a repayment schedule and price appropriate for their budget.

The company claims to be 100% transparent with its offer. And proposes a flexible repayment schedule with a fixed rate.

It reports the loan to the three major credit bureaus Experian, TransUnion, and Equifax. Thus, you have the possibility to solve your immediate cash needs and, simultaneously, build a credit history, if you pay in due time.

Fig Loans services are available only in several states: Illinois, Florida, Missouri, Texas, California, Ohio, New Mexico, and Utah. The loan conditions offered vary by state.

Annual Percentage Rate (APR) range  35.99% – 211%
Fees No
Term 1 – 6 months
Amount  $50 – $1,000 depending on the state
Time to Receive Funds 4 business days
Rating 3.5


  • May help build a credit history.
  • No origination or late fees.
  • Considers applicants with no credit score or with a fair credit score.
  • Reports to major credit bureaus.


  • Expensive rates of interest.
  • Small amount loans.
  • No pre-approval with soft credit check.
  • Present just in several states.

Fig Loans are an option for persons looking to build credit history in the states where they provide services.

3. Blue Trust Loans – Best for Installment Loans

Blue Trust Loans is another online lender looking to offer an alternative to classic payday loans. Their offer is based on installments with a fixed schedule of repayment. The application process is quick and easy. And they created a loyalty program, Club Blue dedicated to long-term clients, who can expect preferential rates from the second loan with the company.

What’s particular to Blue Trust Loans is that they are a tribal lender and operate under the regulations of a sovereign American tribe. Which means they cannot be subject to lawsuits under the U.S. regulations.

The company offers its services all over the U.S. with the exception of these states: Pennsylvania, Massachusetts, Arkansas, Virginia, Minnesota, Connecticut, Wisconsin, Georgia, New York,  Washington, Vermont, or West Virginia.

Annual Percentage Rate (APR) range  471.7846% to 841.4532%
Fees Yes, check the contract
Term 1 – 9 months
Amount  $100 – $3,000
Time to Receive Funds Same-day or the next day after approval
Rating 2


  • Loyalty program.
  • Quick funding with higher amounts than the competition.


  • Extremely high-interest rates.
  • Tribal immunity.
  • Origination fees and late fees.

Blue Trust Loans is an alternative for consumers looking to obtain higher amounts of money with a short time loan and who are ready to assume the high-interest rates.

4. Check City – Best for No Guarantor Loans

Check City

Check City is a direct lender providing payday loans online and in-store in the states where it is present. The company operates only in these states: Kansas, Alabama, Alaska, Hawaii, California, Wyoming, Idaho, Utah, Missouri, Nevada, Wisconsin, Texas, and Washington.

Launched in 1986 as a check-cashing store, Check City has today a rich offer of financial services that include: payday loans, personal loans, installment loans, title loans, cash advances, cash for gold, etc.

They provide loans like Speedy Cash, as they claim to be super fast with approval in seconds, convenient, flexible, rewarding, and designed to match your payday. Check City created a referral program that offers rewards for recommending friends and paying in due time.

Annual Percentage Rate (APR) range  Depending on the state 208.57% to 912.5%
Fees Yes. Depends on state
Term Depending on the state 8 days – 6 months
Amount  Depending on the state $50 – $5,000
Time to Receive Funds Same-day or the next day after approval
Rating 3.9


  • Does not check credit score.
  • It’s a direct lender.
  • Simple application process.
  • Transparent conditions and terms.


  • Interest rates can be high.
  • Services are available only in some states.
  • In-store deposits sometimes arrive earlier than those online.

Check City might be considered an interesting alternative depending on your particular case and if you live in a state where they are present.

5. Big Picture Loans – Low APR on Quick Loans

This is another tribal online lender operating under Tribal law. Big Pictures Loans aims to provide financial services to all Americans, no matter their situation. And, particularly, to those who might not have another option to receive financial assistance.

The company states right on its front page that 90% of applications are accepted for credit. Even if bad credit scores are accepted, Big Picture Loans executes credit checks for all the applicants and reviews credit bureaus’ information.

Having a demonstrable experience behind, the lender prides itself on having served over 400,000 clients and funded loans in value of +$500 million.

Annual Percentage Rate (APR) range  35% – 699%
Fees  Late fees of up to $20
Term 4 – 18 months
Amount  $200 – $5,000
Time to Receive Funds Usually the next day after approval
Rating 4.0


  • Simple application process and quick approval.
  • Accepts bad credit.
  • Checks on credit score.
  • Transparent conditions.
  • No prepayment penalties.
  • Loans can be used for any expenses that you may want to cover.


  • Tribal lender, cannot be subject to lawsuits under regular laws.
  • High-interest rates.
  • Fees for late-payments and returned payments. Plus, non-payments trigger supplementary fees.

Big Picture Loans is an option to be considered by persons who are rejected by other lenders, who have a poor credit score, or by those who want to cover expenses not permitted by other providers.

Features of Viva Payday Loans

One of the most interesting alternatives for loans like Speedy Cash is provided by the marketplace at Viva Payday Loans.

Here are their features:

Loan amounts that are flexible and Affordable. Viva Payday offers only quick small cash loans between $100 and $5,000.

Instant Loans. Most often you will receive the cash within the same day or the next day at the latest.

Very reasonable rates of interest. Usually, the rates of interest for these types of loans are much higher. Viva Payday range is between 5.99% and 35.99%. Also, do yourself a favor and check for additional fees like origination fees, early exit, early or late payment fees for the proposed lenders.

Term of the loan. Between 2 and 24 months.

Flexible repayments schedule. Lenders offer monthly, weekly, and fortnightly basis payment options.

A selection of reputable lenders. Viva Payday Loans has a collection of reliable and transparent direct lenders that you can count on to deliver what you need. Guaranteed.

While using small short-term loans, borrow only the amount that you need and avoid the temptation of getting the highest amount that you qualify for. You might get yourself into trouble.

Advantages of Viva Payday Loans

  • The short-time decision for your loan application, usually in minutes, sometimes even instant.
  • You can apply no matter your FICO score, even if you have a bad credit score or none.
  • Your application will be directed to lenders that are most likely to approve it.

Disadvantage of Viva Payday Loans

  • Payday loans and instant cash loans are not among the most affordable financial products.
  • Interest rates are high.

How to Get Loans Like Speedy Cash?

Most creditors have their eligibility criteria, but the procedure of obtaining payday loans is more or less similar.

Here is an example of an application procedure for a loan like Speedy Cash provided by Viva Payday Loans:

Step 1: Visit the Viva Payday Loans Website

Check on the “How to Apply” section on the main menu. Next either click on the green button on the upper right corner “Apply” from any page or on the “Request funds” green button on the “How to Apply” page.

Step 2: Complete the Application Form

It has 4 steps “Select amount”, “Register”, “Identify”, “Receive Money”.

  • The first step requires you to complete the loan amount you need and your email address.
  • Then complete the personal details: name, date of birth, phone, address, and residence status.
  • Next complete information related to your income type, company, job title, monthly income, frequency of payment.
  • Following you need to insert details related to the loan transfer like bank name, account number, bank ABA, bank type, Social Security Number, and driver’s license number.
  • Accept terms and conditions and click “Submit”.

Step 3: Get your Decision

Within a few minutes, you will be redirected to the recommended lender and offer. You have to follow the indicated steps.

Step 4: Receive your Loan

Most often you will receive the requested money within the same day or the next business day at the latest.

Request Your Payday Loan at our Top Rated Provider – Viva Payday Loans


– CashNet USA

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About Jayme Wium PRO INVESTOR

Jayme is a professional freelance writer specializing in personal finance, business, nutrition, botany and mental health. She has studied extensively in these fields and spends a considerable amount of her time creating content to help simplify complex concepts for the everyday person.



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