Loans Like Speedy Cash: Compare Options in Your State
Speedy Cash offers payday, installment and title loans and lines of credit, online and in stores, in the states it serves. CashNetUSA is an online lender offering installment loans and lines of credit. Loans like these come from other licensed storefront and online lenders. One 3-minute form through our network reaches multiple lenders in your state for $100 to $5,000.
| Speedy Cash products | Payday, installment, title, line of credit (by state) |
|---|---|
| Speedy Cash channels | Online and storefront |
| CashNetUSA same-day deposit | Approved before 1:30 p.m. CT, Mon–Fri (per its site) |
| Availability | Varies by state for every lender |
| Our network | $100–$5,000, one form, free |
| Verified | Official sites, October 25, 2026 |
What Speedy Cash and CashNetUSA offer
Here's what each company's official site said on October 25, 2026:
| Speedy Cash | CashNetUSA | |
|---|---|---|
| Products listed | Payday loans, installment loans, title loans, lines of credit | Installment loans, lines of credit, cash advance; markets itself as a payday loan alternative |
| How to apply | Online or in a store | Online or by phone |
| Funding | Instant funding to some debit cards; not offered in Ohio, Oklahoma, Oregon or South Carolina | Same-day deposit generally for approvals before 1:30 p.m. CT Monday–Friday; otherwise usually next business day |
| Availability | Varies by state | Not in every state; may refer some residents to partner brand NetCredit |
| Other services | Check cashing, money orders, money transfers in stores | — |
Both say some applications need extra verification, which can delay a decision. Zebra Finance isn't affiliated with either company and receives nothing for mentioning them.
Why people look for loans like Speedy Cash
- No store nearby, or the nearest location is closed.
- Not available in your state, or not for the product you want.
- Wanting to compare more than one offer before signing.
- A different structure: installment payments instead of a single payday repayment, or a larger amount.
- Declined by one lender and wanting to try others.
Each lender uses its own underwriting, so a decline at one doesn't mean a decline everywhere.
Types of lenders like Speedy Cash
| Lender type | What they offer | Good fit when |
|---|---|---|
| Storefront payday and installment lenders | In-person applications, cash at the counter | You want cash during the visit and a store is open |
| Online payday lenders | Single-payment loans by state law | You need a small amount until payday |
| Online installment lenders | Fixed payments over months | You need more or want longer to repay |
| Online lines of credit | Draw as needed up to a limit | Your needs are ongoing or uneven |
| Title lenders | Loans based on your vehicle's value | You own your car and need a larger amount |
Matching services like ours send one request to several lenders in your state at once, so you can compare without filling out form after form.
See if you qualify — it takes about 3 minutes. Start your free request. There is no obligation to accept an offer.
Sites like CashNetUSA
People searching sites like CashNetUSA usually want an online application, a fast decision and next-day or same-day deposit. Those features are common among online installment and line-of-credit lenders. When you compare, check:
- Whether the lender serves your state and which products it offers there.
- Funding cutoff times for same-day deposit.
- The APR, fees and total to repay, shown before you sign.
- Whether it reports to credit bureaus, if building credit matters to you.
- Prepayment: can you pay early without a penalty?
See also online installment loans and loans like Possible Finance.
State legality comes first
Payday loans are allowed in many states and not offered in others, title loans are legal in fewer states, and installment rules differ everywhere. Where payday loans aren't available, lenders in our network may offer a personal installment loan instead. Check your state: payday loan laws by state, title loan laws by state, or pages like Texas, California and Nevada.
| State | Payday loans | Max loan | Fee / rate cap | Rollovers |
|---|---|---|---|---|
| Alabama | Legal | $500 per loan. | The fee may not exceed 17.5% of the amount advanced ($17.50 per $100). | One renewal or extension is allowed at the same fee, for a maximum of two continuous transactions. |
| Alaska | Legal | $500 outstanding at one time from a licensee, including all of its locations. | A non-refundable origination fee of up to $5, plus a fee of no more than $15 per $100 advanced or 15% of the advance, whichever is less. | Up to two consecutive renewals, each for at least 14 days and at no higher fees. |
| Arizona | Not available | — | Licensed consumer lenders may charge up to 36% a year on consumer loans of $3,000 or less (lower tiers above $3,000), plus limited allowed… | — |
| Arkansas | Not available | — | 17% per year maximum interest on loans covered by Amendment 89 § 3. | — |
| California | Legal | Your personal check cannot exceed $300. | The fee may not exceed 15% of the check amount ($45 on a $300 check). | Rollovers are prohibited. |
| Colorado | Not available | $500. | 36% APR, all charges included. | — |
| Connecticut | Not available | — | 36% APR (or the Military Lending Act maximum, if lower) for small loans under $5,000. | — |
| Delaware | Legal | $1,000. | No cap. | No more than 4 rollovers of an existing loan. |
| District of Columbia | Not available | — | 24% per year maximum interest. | — |
| Florida | Legal | $500 per single-payment loan (not counting fees). | Single-payment loan: fees may not exceed 10% of the amount provided, plus a verification fee (OFR states this as $5.00). | Not allowed. |
| Georgia | Not available | — | — | — |
| Hawaii | Not available | — | — | — |
| Idaho | Legal | $1,000 per loan, and no more than $1,000 in total outstanding with one lender (plus fees). | No dollar or percentage cap. | A lender may renew a payday loan no more than 3 times in a row; after that the loan must be repaid in full. |
| Illinois | Not available | Payments coming due in the loan's first month, together with your other payday loans due that month, may not exceed the lesser of $1,000 or… | 36% APR on the unpaid amount financed, calculated the all-in Military Lending Act way (finance charges plus fees and add-on products count). | Prohibited. |
| Indiana | Legal | $825 total outstanding with one lender (single or combined loans), and no single loan over 20% of your gross monthly income. | 15% on the first $250; 13% on the part from $250 to $400; 10% on the part from $400 to $825. | Not allowed. |
| Iowa | Legal | A lender may not hold checks from you totaling more than $500 at any one time. | $15 on the first $100 of the check and no more than $10 on each additional $100 (pro rata for part of $100). | Not allowed. |
| Kansas | Legal | $500 cash advance. | 15% of the amount of the cash advance. | A payday loan may not be repaid with the proceeds of another payday loan from the same lender or a related business. |
| Kentucky | Legal | You may have at most two payday loans open at once, and the total cash you receive from all open payday loans may not exceed $600. | The fee may not be more than $15 per $100 of the check's face amount, prorated. | A lender (or its affiliate) may not renew, roll over or consolidate a payday loan for a fee. |
| Louisiana | Legal | For September 1, 2026 to August 31, 2027, the most a lender may pay you on a payday loan (deferred presentment) is $740; a 'small loan' is… | The fee may not be more than 16.75% of the face amount of your check. | Renewals and rollovers are banned. |
| Maine | Legal | Maine law sets no payday-specific maximum loan amount, according to the Bureau of Consumer Credit Protection. | A lender may charge either the general consumer-loan finance charge (30% a year on the first $2,000 and lower tiers above that) or a flat… | Maine law has no payday-specific rollover or renewal limit, according to the Bureau. |
| Maryland | Not available | — | Interest on loans of $2,000 or less is capped at 2.75% a month (33% a year) on the first $1,000 and 2% a month (24% a year) on the rest;… | — |
| Massachusetts | Not available | — | Licensed small loan companies may charge no more than 23% a year on the unpaid balance (actuarial method), plus a $20 administrative fee… | — |
| Michigan | Legal | A licensee may make one payday loan to you for any amount up to $600 (fees not included). | The service fee may not exceed 15% of the first $100, 14% of the second $100, 13% of the third $100, 12% of the fourth $100 and 11% of the… | A lender may not renew a payday loan. |
| Minnesota | Legal | A consumer small loan is $350 or less, and one borrower may not owe more than $350 in total on such loans at one time. | The lender may charge an annual percentage rate of up to 50%, counting all interest, finance charges and fees. | A consumer small loan may not be repaid with the proceeds of another such loan from the same lender (or a related… |
| Mississippi | Legal | Your check (loan plus fee) may not be for more than $500, and you may not have more than $500 in total outstanding, fees included. | No more than $20 per $100 advanced for checks with a face amount up to $250, and no more than $21.95 per $100 advanced for checks over $250… | A lender may not renew or extend a payday check, and a check may not be paid off with the proceeds of another check… |
| Missouri | Legal | Payday loans are loans of $500 or less, and a lender (with its affiliates) may not have more than $500 in payday loans outstanding to you… | Interest and fees are whatever the parties agree to (simple interest), but you can never be required to pay total interest and fees of more… | The lender must renew the loan if you ask in writing and pay the interest and fees due, but each renewal must reduce… |
| Montana | Not available | A payday loan must be at least $50 and no more than $300, not counting the fee. | The fee for making or carrying a payday loan may not be more than 36% a year. | Payday loans may not be renewed or extended for a fee, and a lender may not pay off one payday loan with another. |
| Nebraska | Not available | A lender may not hold checks from one borrower totaling more than $500 at any one time. | A lender may not charge more than 36% APR. | Renewals, rollovers and paid extensions are banned. |
| Nevada | Legal | A payday loan, together with the borrower's other outstanding loans from the lender, may not exceed 25% of the borrower's expected gross… | Nevada sets no cap on the interest rate or fee for a payday loan. | Repaying, renewing or refinancing a payday loan may not stretch the loan past 90 days from the date it was made. |
| New Hampshire | Not available | A borrower may not owe a lender more than $500 in payday loan principal at one time. | APR may not exceed 36%, and interest is the only charge allowed, with no other fees. | Refinancing, renewing or extending a payday loan is prohibited. |
| New Jersey | Not available | — | — | — |
| New Mexico | Not available | — | 36% APR maximum, counting ancillary products, credit insurance and other fees even if federal Regulation Z would leave them out. | — |
| New York | Not available | — | Civil usury cap of 16% a year (loans under $250,000 by non-bank lenders and state-chartered banks); above 25% a year is criminal usury. | — |
| North Carolina | Not available | — | Unlicensed lenders: 16% a year on loans of $25,000 or less. | — |
| North Dakota | Legal | A lender may not give you more than $500 in one payday loan. | The fee may not be more than 20% of the amount the lender pays you. | A loan may be renewed only once. |
| Ohio | Legal | A short-term loan may not exceed $1,000. | Interest is capped at 28% a year. | A lender may refinance a short-term loan only if the new loan stays within the 28% interest cap and no monthly… |
| Oklahoma | Not available | Small loans are capped by the total you may owe across all small lenders. | Interest may not exceed 17% per month. | — |
| Oregon | Legal | — | Interest may not exceed 36% a year. | No more than two renewals. |
| Pennsylvania | Not available | — | No payday fee schedule exists. | — |
| Rhode Island | Legal | The check may not exceed $500, and a lender and its affiliates may hold no more than $500 in total outstanding checks from you. | The deferred deposit fee may not exceed 10% of the amount advanced. | Only one rollover (extending the due date for an extra fee) is allowed. |
| South Carolina | Legal | No more than $550 advanced to you at one time, not counting the fee. | The fee may not exceed 15% of the principal and may be charged only once per agreement. | Not allowed. |
| South Dakota | Not available | — | 36% a year, counting all fees and charges. | — |
| Tennessee | Legal | A lender (and related persons) may hold no more than two of your checks at once, with a total face value of no more than $500. | The fee may not exceed 15% of the face amount of the check. | Not allowed. |
| Texas | Legal via CSO/CAB | — | No state cap on the credit access business fee. | State law does not ban refinancing. |
| Utah | Legal | — | No rate or fee cap in the payday statute. | Rollovers are allowed only if you ask for one, and only within the 10-week limit. |
| Vermont | Not available | — | No payday product is allowed. | — |
| Virginia | Legal | A short-term loan may not exceed $2,500, and a lender may not have you owe it more than $2,500 in principal at any time. | Interest at a simple annual rate of no more than 36%, plus a monthly maintenance fee of no more than 8% of the original loan amount or $25,… | A lender may refinance a short-term loan only into another short-term loan that meets all the Chapter 18 rules, and… |
| Washington | Legal | $700 or 30% of your gross monthly income, whichever is lower. | Total interest and fees may not exceed 15% of the first $500 of principal and 10% of any principal above $500. | A lender may not give you a new payday loan to pay off an old one from the same lender or its affiliate. |
| West Virginia | Not available | — | No payday product is allowed. | — |
| Wisconsin | Legal | A lender may not make a payday loan that leaves you owing all payday lenders combined more than $1,500 or 35% of your gross monthly income,… | No limit on the interest a licensee may charge before the maturity date. | You may repay a payday loan with the proceeds of one new payday loan, but you may not repay that second loan with yet… |
| Wyoming | Legal | — | The only charge allowed is a post-dated check finance charge of no more than $30 or 20% a month of the principal, whichever is greater. | A post-dated check loan may not be repaid, refinanced or consolidated with the proceeds of another post-dated check… |
Verified against state statutes and regulators; click a state for citations. Last verified 2026-10-25.
What a loan like this costs
Payday loans charge a fee per $100, capped by state law. At $15 per $100, a $500 loan costs $75 and you repay $575 on your next payday. Installment loans spread the cost: $1,500 over 12 months at an assumed 30% APR is about $146.23 a month. Every lender shows the exact APR and total before you sign.
Storefront vs. online: which fits you
- Choose a store if one is open nearby, you want to speak with someone in person, or you'd like cash during the visit. Bring ID, proof of income and bank details.
- Choose online if it's after hours, there's no store nearby, or you want several lenders to review your request at once. Funds arrive by bank transfer, often the next business day.
- Either way, read the agreement for the fee, APR, due date and total to repay before you sign.
Looking for stores? See payday loans near me and loans near me open now.
Compare lenders with one form
- Fill out our free form in about 3 minutes.
- We share it with lenders in our network that serve your state.
- Review any offer: amount, fees, APR, due dates and total to repay.
- E-sign if it works for you. Funds are often deposited by the next business day.
Many lenders focus on income and may use alternative credit data instead of a traditional hard pull. Zebra Finance is a matching service, not a lender; approval isn't guaranteed and you're never obligated to accept.
See if you qualify — it takes about 3 minutes. Start your free request. There is no obligation to accept an offer.
Frequently asked questions
What loans are like Speedy Cash?
Other licensed storefront and online lenders offer similar payday, installment, title and line-of-credit products, depending on state law. A matching service like ours sends one request to several lenders in your state, so you can compare offers without applying to each separately.
What sites are like CashNetUSA?
Online installment and line-of-credit lenders offer similar features: online applications, fast decisions and next-business-day or same-day deposits. Check which lenders serve your state, their funding cutoffs and the full cost before signing.
Does Speedy Cash offer instant funding?
Speedy Cash's site says instant funding is available to some debit cards and isn't available in Ohio, Oklahoma, Oregon or South Carolina. It also says some applications need extra verification, which can delay decisions.
How fast does CashNetUSA deposit money?
CashNetUSA's site says applications approved before 1:30 p.m. CT Monday through Friday are generally funded the same business day, subject to your bank. Other approvals are generally funded the next business day.
Is Zebra Finance the same as Speedy Cash or CashNetUSA?
No. We're an independent, free loan-matching service, not a lender, and we're not affiliated with either company. Offers through our form come from lenders in our network, with terms shown before you sign.