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.


A 2009 study by University of Chicago Booth School of Business Professor Adair Morse[52] found that in natural disaster areas where payday loans were readily available consumers fared better than those in disaster zones where payday lending was not present. Not only were fewer foreclosures recorded, but such categories as birth rate were not affected adversely by comparison. Moreover, Morse's study found that fewer people in areas served by payday lenders were treated for drug and alcohol addiction.
*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 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.
There are many terms for this kind of credit — payday loans, cash advance loans, check advance loans, deferred deposit loans or post-dated check loans — which you can get from a variety of sources. Whether you walk into a payday lender’s store or apply online, the process is basically the same: You provide some personal and financial information, request a loan for a certain dollar amount (secured by check or bank account debit authorization), pay a fee for the loan and receive the cash or deposit into your bank account.
RISE offers quick online cash advance loans for financial emergencies and more. Our cash advances are short- term loans that you pay back over time. RISE has an easy online application process and progress to better rates**. Plus, you can get cash in your account as soon as tomorrow and choose your own terms*. At RISE, we’re committed to helping you build a better financial future: We also offer free access to credit monitoring and financial wellness tools.

When you receive a raise, it's tempting to spend more money on things and experiences that make you happy. However, the "hedonic treadmill" theory suggests that even though an income boost can make us feel like we've earned an uptick in spending, our newfound windfall will eventually leave us as unsatisfied as we were prior to the raise because our needs don't disappear – they just get grander. Savvy savers know to avoid lifestyle inflation during periods of income growth and invest in themselves instead. This can mean upping retirement contributions or diverting the difference into a savings account, emergency fund or toward some other financial goal.
If you carry only credit cards for day-to-day spending, you could find yourself in a pinch when confronted with a cash-only situation, such as buying lunch from a street vendor, veggies at a farmers market or a sandwich at a mom-and-pop deli. In that case, a cash advance might be tempting. Some people also turn to credit card cash advances when they need paper money but don’t have enough in their bank account.
Line of Credit: Available at Allied Cash Advance locations in Virginia only. Approval depends upon meeting legal, regulatory and underwriting requirements. Allied Cash Advance may, at their discretion, verify application information by using national databases that may provide information from one or more national credit bureaus, and Allied Cash Advance or third party lenders may take that into consideration in the approval process. Credit limits range from $250 to $1500. After your line of credit is set up, you have the option to draw any amount greater than $100, in increments of $0 up to the credit limit, as long as: you make your scheduled payments; and your outstanding balance does not exceed your approved credit limit. Minimum payments equal 10% of the principal portion of the outstanding balance, plus a Monthly Maintenance Fee. As long as you continue to make on-time and complete payments, you will remain in good standing and be able to continue using your line of credit account.
To borrow through the bank you will typically have to gather pay slips, bank statements, or other time-consuming documentation, as well as waiting some time for approval. The MoneyMe way is different – we use secure, fast Proviso technology to obtain 90 days of bank statements online in seconds. Along with your personal details, this is all the information we need to process your loan. You can be assured we will keep all your information safe and secure.

Research for the Illinois Department of Financial and Professional Regulation found that a majority of Illinois payday loan borrowers earn $30,000 or less per year.[16] Texas' Office of the Consumer Credit Commissioner collected data on 2012 payday loan usage, and found that refinances accounted for $2.01 billion in loan volume, compared with $1.08 billion in initial loan volume. The report did not include information about annual indebtedness.[17] A letter to the editor from an industry expert argued that other studies have found that consumers fare better when payday loans are available to them.[18] Pew's reports have focused on how payday lending can be improved, but have not assessed whether consumers fare better with or without access to high-interest loans. Pew's demographic analysis was based on a random-digit-dialing (RDD) survey of 33,576 people, including 1,855 payday loan borrowers.[19]

* Applications processed and approved before 6pm ET are typically funded the next business day. RISE is offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account and email address. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state.

Short-term Loan 14-day APR Range: 391.07% - 664.29% APR varies per state regulations. View Rates and Terms to view the APR in your State. Failure to make timely payments may result in NSF or late fees. If your account becomes severely delinquent, it may be turned over to a 3rd party collection agency which could impact your credit score. Loans do not automatically renew without prior approval. If you renew or "rollover" your loan, your principal balance may not be reduced and you will owe additional fees and/or interest.


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.
These arguments are countered in two ways. First, the history of borrowers turning to illegal or dangerous sources of credit seems to have little basis in fact according to Robert Mayer's 2012 "Loan Sharks, Interest-Rate Caps, and Deregulation".[41] Outside of specific contexts, interest rates caps had the effect of allowing small loans in most areas without an increase of "loan sharking". Next, since 80% of payday borrowers will roll their loan over at least one time [11] because their income prevents them from paying the principal within the repayment period, they often report turning to friends or family members to help repay the loan [42] according to a 2012 report from the Center for Financial Services Innovation. In addition, there appears to be no evidence of unmet demand for small dollar credit in states which prohibit or strictly limit payday lending.

Disclaimers: Product availability varies by state. To see loan products offered in your state of residence, please visit our Rates and Terms page. MoneyKey – OH, Inc. is licensed as a Credit Services Organization (CSO) by the Ohio Department of Financial Institutions, Department of Commerce: CS.900134.000.  MoneyKey – TX, Inc. is licensed as a Credit Access Business (CAB), License No. 16641-62815, by the Office of the Consumer Credit Commissioner and registered as a Credit Services Organization (CSO), Registration No. 20110150, by the State of Texas. All loans for which MoneyKey acts as a CSO and/or CAB are funded by an unaffiliated third-party lender and serviced by MoneyKey.


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.
With online cash advance applications, applying for fast cash becomes simple. Just complete an online application, receive a lending decision and if approved, get cash deposited to your bank account. Don’t skip buying groceries or essentials. Don’t stress about sleeping with no air conditioning during unbearable summer heatwaves, or without heat in the frostiest of winters. Don’t fear your vehicle running out of gas on your way to work. Speedy Cash could help you with a temporary cash advance.

A: When you need cash now, this question is probably top of mind! The amount of time it will take to receive your money depends on how you choose to apply, and how you would like to receive your cash. Speedy Cash is proud to offer a number of different funding options so that you can select how to receive your loan funds – including instant payday loan options.
I have had many tribal loans from many different tribal lenders. Many of them are little more than professional loan sharks. Spotloan gives you a clear payment schedule with a clear payoff date upfront. They don't want you to wallow in a permanent mire of never-ending interest. They want to help you with a short-term solution, not a long-term trap. Absolutely one of the BEST lenders I have ever worked with, including mainstream lenders! Highly recommended!
APR Disclosure. Some states have laws limiting the APR that a lender can charge you. APRs range from widely and can be from 200% to 1386%. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The Annual Percentage Rate is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement.
Short-term Loan 14-day APR Range: 391.07% - 664.29% APR varies per state regulations. View Rates and Terms to view the APR in your State. Failure to make timely payments may result in NSF or late fees. If your account becomes severely delinquent, it may be turned over to a 3rd party collection agency which could impact your credit score. Loans do not automatically renew without prior approval. If you renew or "rollover" your loan, your principal balance may not be reduced and you will owe additional fees and/or interest.
* If your loan is approved before 9:00 PM ET from Monday through Thursday, or before 7:00 PM ET Sunday, the funds will typically be deposited into your bank account the next business day, otherwise, your funds will be deposited into your bank account in two (2) business days. The date and time funds are made available to you are subject to your bank's policies.

A highlight of requesting a cash advance online (also known as a “payday loan”) from Cash Central is that you can breathe easily through the process. After all, when you’re in need of cash for an emergency, the last thing you want is something else to worry about. Cash Central’s simple online application process makes sure that’s the case. It’s not only transparent and easy to complete but is also backed by stellar customer support, regulatory safety nets, next banking day funding* and a track record of 96% customer satisfaction.**
When you accept the terms and conditions for a loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time shown in the documents supplied by your lender. Additional fees or charges by your lender may request in the event that you are unable to repay your loan in full or if you make a late payment. We cannot predict the amount of the fees or charges that you will incur as a result of non-payment, late payment, or partial payment. Additionally, we have no knowledge of the loan details between you and your lender. Please refer to the late payment, partial payment, and non-payment policies detailed in the loan documents provided by your lender. Our company makes a reasonable effort to work only with reputable lenders who abide by Fair Debt Collection Practices. If you have a complaint about a specific lender, please Contact Us and one of our agents will look into the matter further.
Cash advance funding requires verification of application information. Depending on ability to verify this information, cash advance funding may be extended up to two days. All cash advances subject to approval pursuant to standard underwriting criteria. In-store cash pickup is subject to approval pursuant to standard underwriting criteria. In-store cash pickup not available in all states.

Affiliate Disclosure: There are links on this site that can be defined as affiliate links. This means that I may receive a small commission (at no cost to you) if you purchase something when clicking on the links that take you through to a different website. By clicking on the links, you are in no way obligated to buy.

Please Note:The material on this site is provided for informational purposes only and is not financial advice. Always consult a professional before making any financial decisions.

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