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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Rapid Cash

Advertiser Disclosure

About

Rapid Cash is a financial service provider that offers short-term loans and other financial products to individuals in need of quick cash.

One of the main services offered by Rapid Cash is payday loans. These loans are typically small, short-term loans that are meant to be repaid on the borrower's next payday. They can be useful for people who need cash quickly to cover unexpected expenses or bills. Rapid Cash offers payday loans up to $500, depending on the borrower's income and other factors.

Another service offered by Rapid Cash is installment loans. These loans are also short-term, but they are repaid over a longer period of time in smaller, regular payments. This can be a good option for borrowers who need a larger amount of cash and prefer to pay it back in installments.

Rapid Cash also offers title loans, allowing borrowers to use their car or another vehicle as collateral. These loans can be a good option for people who own a car outright and need cash quickly.

One thing to keep in mind when using Rapid Cash or any other payday lender is that these loans often come with high-interest rates and fees. Borrowers should ensure they understand the loan terms and costs before accepting the funds. They should also have a plan in place for repaying the loan on time to avoid additional fees and charges.

Key Features

Based on the information available on the Rapid Cash website, some key features of their services include:

  1. Fast and easy application process: Rapid Cash claims that their loan application process is quick and straightforward and can be completed online or in-store.
  2. Multiple loan options: Rapid Cash offers payday loans, installment loans, and title loans, which allows borrowers to choose the loan product that best fits their needs.
  3. Flexible repayment options: Depending on the loan product, Rapid Cash offers flexible repayment options, including the ability to repay the loan in installments or on the borrower's next payday.
  4. No credit check required: Rapid Cash does not require a credit check to approve a loan, making their services accessible to borrowers with less-than-perfect credit.
  5. Cash on the same day: If approved, Rapid Cash claims that borrowers can receive their cash on the same day, either by direct deposit or in-store pickup.
  6. Secure and confidential: Rapid Cash uses secure encryption technology to protect borrowers' personal and financial information and maintains strict confidentiality standards.

It's worth noting that the specific terms and conditions of a Rapid Cash loan may vary depending on the borrower's state of residence and other factors, and borrowers should carefully review the loan agreement before accepting any funds.

Pros and Cons

Pros

  1. Fast access to cash: Rapid Cash can provide quick access to cash when needed, which can be beneficial for individuals facing unexpected expenses or financial emergencies.
  2. Multiple loan options: Rapid Cash offers different loan options, including payday loans, installment loans, and title loans, which allows borrowers to choose the loan product that best fits their needs.
  3. No credit check required: Rapid Cash does not require a credit check to approve a loan, making their services accessible to borrowers with less-than-perfect credit.
  4. Flexible repayment options: Rapid Cash offers flexible repayment options depending on the loan product, which can help borrowers manage their cash flow and repay the loan on time.

Cons

  1. High-interest rates and fees: Rapid Cash loans come with high rates and fees, making them an expensive way to borrow money.
  2. Short repayment terms: Rapid Cash loans typically have short repayment terms, which can make it difficult for borrowers to repay the loan on time and avoid additional fees and charges.
  3. Risk of getting stuck in a debt cycle: If borrowers are unable to repay the loan on time, they may get stuck in a cycle of debt and have to take out additional loans to cover the original loan.
  4. Limited availability: Rapid Cash is not available in all states, which means that some borrowers may not have access to their services. Actually, it has only two locations.
  5. Lack of transparency: The terms and conditions of Rapid Cash loans may not always be clear or transparent, making it difficult for borrowers to understand the costs and risks associated with the loan fully.

Products

Rapid Cash offers several financial products to help individuals get quick access to cash when they need it. These products include:

  1. Payday loans: These are short-term loans that are typically due on the borrower's next payday. Rapid Cash offers payday loans up to $500, depending on the borrower's income and other factors.
  2. Installment loans: These are also short-term loans, but they are repaid over a longer period of time in smaller, regular payments. Rapid Cash offers installment loans up to $1,000, depending on the borrower's income and other factors.
  3. Title loans: These loans allow borrowers to use their car or another vehicle as collateral for a loan. Rapid Cash offers title loans up to $5,000, depending on the value of the vehicle and other factors.

It's important to note that Rapid Cash loans come with high-interest rates and fees and should only be used as a last resort. Borrowers should carefully review the terms and conditions of any loan product before accepting funds. They should have a plan in place for repaying the loan on time to avoid additional fees and charges.

Reliability

Rapid Cash is a licensed and regulated short-term financial solution provider subject to state regulations. The licenses can be found in the website footer. The company also has several locations and has been in business for many years, which can be a sign of stability and reliability.

That being said, it is important for borrowers to carefully review the terms and conditions of any loan product before accepting funds and to ensure that they can realistically afford to repay the loan on time. Rapid Cash loans come with high-interest rates and fees, which can make them an expensive way to borrow money. Borrowers should only use these loans as a last resort and have the plan to repay the loan on time to avoid additional fees and charges. Additionally, borrowers should be aware that Rapid Cash is not available in all states and that loan products and availability may vary depending on the borrower's state of residence and other factors.

Funding a Loan

Rapid Cash offers various options for applying for a loan. You can either visit a branch at any of its Store Locations and receive your cash in person within a matter of minutes or choose to Apply online by filling out an online loan application. This flexibility allows you to get your loan deposited directly into your bank account without leaving your home. Typically, online loans are deposited into your bank account within 24 business hours.

Loan conditions

The installment loan comes with a fee of 208% APR in addition to a $5 verification fee. The payday loan has a fee of 10% and a $5 verification fee. The Auto Equity Loan carries a 30% APR for loans up to $4,000 and a 24% APR for loans over $4,000 up to $5,000.

To be eligible for a loan, you must be currently employed or able to provide proof of income, be a United States citizen (minimum age 18 years old), and possess an active checking account. However, individuals who are military members or have recently filed for bankruptcy are ineligible to receive a loan.

The Rapid Cash cash advance and installment loan products do not require or accept collateral. However, collateral in the form of a free and clear title is necessary for our title loans.

Additional Services

In addition to providing short-term loans, Rapid Cash also offers various additional services, such as bill pay and money orders.

Bill pay allows customers to pay their bills easily and conveniently in person at a Rapid Cash store location. This service is particularly helpful for those who may not have access to online banking or who prefer to pay their bills in person. Rapid Cash accepts a wide range of bill payment types, including utility bills, credit card bills, and even rent payments.

Money orders are another service offered by Rapid Cash, providing customers with a secure and reliable way to send money to others. With a money order, the sender purchases a document for the specified amount and then sends it to the recipient, who can then cash or deposit it. Money orders are particularly useful for those who do not have a bank account or who need to send money to someone who does not accept personal checks.

Overall, Rapid Cash's additional services of bill pay and money orders provide customers with additional convenience and flexibility for managing their financial needs.

Rapid Cash vs. ACE Cash Express

Rapid Cash and ACE Cash Express are both providers of short-term loans and financial services. However, there are some key differences between the two companies.

  1. Loan options: Rapid Cash offers installment loans, payday loans, and auto equity loans, while ACE Cash Express also offers these loan types along with other options like prepaid cards.
  2. Loan availability: Rapid Cash has store locations in only a few states, while ACE Cash Express has locations in over 20 states across the US.
  3. Loan requirements: Rapid Cash requires borrowers to have an active checking account, while ACE Cash Express accepts both checking and savings accounts. Rapid Cash also does not lend to members of the military, while ACE Cash Express does.
  4. Loan fees and rates: The fees and interest rates for loans can vary between the two companies, and it is important to carefully review the terms and conditions before agreeing to a loan.
  5. Additional services: While both companies offer additional services like bill pay and money orders, ACE Cash Express also provides services like check cashing and tax preparation.

Overall, the choice between Rapid Cash and ACE Cash Express may depend on individual needs and circumstances, such as location, loan type, and additional services required. It is important to compare the terms and conditions of different loan options and to borrow only what is necessary and affordable to repay.

Rapid Cash vs. Dollar Loan Center

Rapid Cash and Dollar Loan Center are both providers of short-term loans and financial services. However, there are some key differences between the two companies.

  1. Loan options: Rapid Cash offers installment loans, payday loans, and auto equity loans, while Dollar Loan Center also offers these loan types along with other options like personal loans and signature loans.
  2. Loan availability: Rapid Cash has store locations in only a few states, such as Nevada and Washington, while Dollar Loan Center has locations in several states across the US, including Nevada, Utah, and California.
  3. Loan requirements: Rapid Cash requires borrowers to have an active checking account, while Dollar Loan Center accepts both checking and savings accounts. Rapid Cash also does not lend to members of the military, while Dollar Loan Center does.
  4. Loan fees and rates: The fees and interest rates for loans can vary between the two companies, and it is important to carefully review the terms and conditions before agreeing to a loan.
  5. Additional services: While both companies offer additional services like bill pay and money orders, Dollar Loan Center also provides services like check cashing and prepaid debit cards.

Overall, the choice between Rapid Cash and Dollar Loan Center may depend on individual needs and circumstances, such as location, loan type, and additional services required. It is important to compare the terms and conditions of different loan options and to borrow only what is necessary and affordable to repay.

Rapid Cash vs. Speedy Cash

Rapid Cash and Speedy Cash are both providers of short-term loans and financial services. However, there are some key differences between the two companies.

  1. Loan options: Rapid Cash offers installment loans, payday loans, and auto equity loans, while Speedy Cash also offers these loan types along with other options like lines of credit and installment title loans.
  2. Loan availability: Rapid Cash has store locations in only a few states, while Speedy Cash has locations in over 30 states across the US.
  3. Loan requirements: Rapid Cash requires borrowers to have an active checking account, while Speedy Cash accepts both checking and savings accounts. Rapid Cash also does not lend to members of the military, while Speedy Cash does.
  4. Loan fees and rates: The fees and interest rates for loans can vary between the two companies, and it is important to carefully review the terms and conditions before agreeing to a loan.
  5. Additional services: While both companies offer additional services like bill pay and money orders, Speedy Cash also provides services like prepaid debit cards loading and wire transfers.

Overall, the choice between Rapid Cash and Speedy Cash may depend on individual needs and circumstances, such as location, loan type, and additional services required. It is important to compare the terms and conditions of different loan options and to borrow only what is necessary and affordable to repay.

Rapid Cash

FAQ

Is Rapid Cash a legitimate company?

Rapid Cash is a legitimate company that operates in Florida and provides highly productive financial services such as payday loans, auto equity loans, installment loans, money orders, and bill payments.

When will I get funding from Rapid Cash?

Once your Rapid Cash application is approved, funds are deposited in your account the same business day. The money's actual appearance in your account depends on your financial institution. You also have the option to pick up cash in the store.

What bank does Rapid Cash work with?

Rapid Cash works with Xero's accounting software, Soldo, and many other financial companies.

Company documents

Terms & Conditions
Privacy Policy

Get the Money you need to cover short-term expenses and avoid costly overdraft charges or other fees. Signing up for your personal loan is easy.

© Rapidcash, LLC
Rapid Cash service available in US States
  • State of Florida (FL)
Rapid Cash service available in US States
Financial products
Rapid Cash
Auto equity loans
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$1,000-$5,000
Rate
i

Effective interest rate on the product

up to 30%
Term
i

Loan term for the financial product

up to 12 months
Apply
Rapid Cash
Installment loans
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$100-$1,000
Rate
i

Effective interest rate on the product

up to 208%
Term
i

Loan term for the financial product

up to 90 days
Apply
Rapid Cash
Payday loans
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$100-$500
Rate
i

Effective interest rate on the product

up to to 286%
Term
i

Loan term for the financial product

up to 30 days
Apply
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Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
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650
1000
$5,000-$100,000
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Effective interest rate on the product

up to 24.49%
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Loan term for the financial product

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Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

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up to 160%
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Loan term for the financial product

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Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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650
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2000.00 – 45000.00 $
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Effective interest rate on the product

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Rating by Finanso®
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4.84
Recommended FinScore™
0
300
650
1000
$50 -$500
Rate
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Effective interest rate on the product

up to 805.28%
Term
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Loan term for the financial product

up to 30 days
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Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

5
Recommended FinScore™
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650
1000
$2000
Rate
i

Effective interest rate on the product

2.4% per day
Term
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Loan term for the financial product

6 Months
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Calculate loan payments in Rapid Cash

Rapid Cash calculator will allow you to calculate an approximate payment schedule for the loan

Rapid Cash calculator
Interest rates are given in accordance with the rates of the Rapid Cash of 05.06.2023
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