Cash services & payday loans

A payday loan – also known as a cash advance or payday advance – allows you to borrow money against your next pay day. If you are in need of a small sum of money to hold you over until your next paycheck, a payday loan may be right for you. Instead of paying bank overdraft fees, dipping into overdraft protection or paying late fees for credit cards or rent, a payday loan can give you the money you need to take care of your expenses immediately. These loans are designed to cover short-term financial obligations, and are not intended to be a long-term financial solution.

The process to get a payday loan varies a bit depending on how you choose to apply, but the main steps remain the same:

Step 1.  Complete an application

Step 2.  Receive a lending decision

Step 3.  Sign your payday loan documents

Step 4.  Receive your cash

Step 5.  Repay your payday loan amount plus fees

Anyone who meets the application requirements is eligible to apply for a payday loan, and may qualify for cash.

Requirements to apply for a payday loan:

  •  Meet minimum age requirements in your state (18 in most states)
  •  Have an open and active checking account
  •  Be able to show proof of income
  •  Have a valid phone number

he number of payday loans you can get depends on your state, and on the lender you are borrowing from. See how many Speedy Cash payday loans you may be eligible to borrow in your state by visiting our rates and terms page.


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