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Lender
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.

Repay Speedy Cash

Finanso.Multilogin™

Repayment of loan

Speedy Cash offers multiple repayment periods for customers. It includes debit card, cash payoff, automatic payments from your savings account, and a post-dated paycheck. The company approves any of this process.

Conditions of Loan Extension

A loan extension, in the broadest sense, is a sort of bridge loan that allows you to postpone several immediate payments and add them to the back of the debt. Generally, this is for individuals who fail making returns because of unanticipated circumstances. In most situations, the maturity date of the loan is then extended by the number of delayed payments. There is no transparent information available on how Speedy Cash utilizes this method. If it's essential for your situation, please contact them and let them know about your questions and expectations from the lender.

Early Payoff

There is an option of paying off your debt early. Repaying a credit early might save you money on rates and fees, depending on your credit. You won't be charged a fee if you settle your loan early with Speedy Cash.

FAQ

How do I make a payments on Speedy Cash?

You can settle your debt in person by directly going to the company's branch shops in different states. You can also resolve your loan through a banking account.

What happens if you don't pay back Speedy Cash?

If you cannot repay a payday debt, your account may be turned over to a collection agency, which can harm your credit.

Can you pay off Speedy Cash early?

Yes, there are no prepayment penalties in resolving your debts early.

Can Speedy Cash sue you?

Yes, the creditor can sue you. They can engage a lawyer to sue you for the underlying debt, bills, and expenses in a breach of a contract dispute.

Calculate loan payments in Speedy Cash

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

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What to focus on before applying for a loan with Speedy Cash

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Speedy Cash and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Speedy Cash’s reviews by May 2022