The current trend of our modern world is “to become social without getting socialized.” I mean, most of the governmental associations which were just physically accessible in the past 50 years now are gathering on web-based platforms for local and abroad users. You can order a pizza, book a room in Burj Khalifa, or pay back your loan with a few clicks on your web browser or mobile app.
By the way, is it possible to apply for a “real” loan without wearing our outdoor shoes? This post will kindly answer your curious questions about one of the online solutions, Speedy Cash;
- What are Speedy cash installment loans?
- Which guys can primarily benefit from loans like Speedy Cash?
- What are Speedy cash loans requirements?
- Why should we trust loans like Speedy Cash?
- How to apply with Speedy Cash?
- Speedy cash loans customer service
What exactly are speedy cash loans?
Speedy Cash is an online financial provider and a leader in the short-term financial services industry, offering payday loans, cheque cashing, and online lending. The company is mostly located in the United States and Canada, but other Americans not residential in these countries can also benefit from the presented options.
By the way, you might have heard the name “discover home loans”, but what are they exactly? In: “Discover home loans” you can know all about it.
Why should you trust loans like Speedy Cash? This company is a favorite because;
- More than 5 million customers have been working successfully with Speedy Cash since 1997.
- They are practicing social distancing, and their secure network, McAfee® SECURE, and Norton Secured certifications keep your personal information safe.
- All of their guidelines are compatible with federal, state, and municipal laws and regulations.
- Speedy Cash belongs to the Online Lenders Alliance (OLA). This trade association ensures customers are highly informed and secured by ensuring members adhere to their Code of Conduct and Best Practices.
What does speedy cash loans offer?
Speedy cash loans are limited in the number of choices but valuable in terms of accommodation. Generally speaking, three types of Speedy cash loans are available on the website;
- Installment loans
Speedy cash installment loans are typically long-term loans repaid over a set amount of time based on a schedule. These plans usually offer higher loan amounts than Payday Loans. Furthermore, they charge daily interest, so if you pay off early, you can save on paid interest.
Pros
- Fixed interest rate
- No prepayment penalty
- Higher loan amount than Payday Loans
Cons
- Higher interest rates
- Income verification is required
- The temptation to borrow more than you need
- Line of credit
Line of Credit is an open-ended loan program that can keep open as long as you wish, and you can access your credit with a minimum payment. You can apply for a Line of Credit up to $3000, but the precise amount of money you can receive is dependently based on your monthly home pay, credit score, and maximum loan amount available in your state.
Pros
- It is open-ended and available until you decide to close it.
- The amount of payments is at the minimum level.
Cons
- Limited Credit is provided.
- You need to be careful about your periodic statements.
- Payday loans
Payday loans are short-term plans to hold your financial balance for your next payday. These loans are typically repaid with a flat fee after you receive your next paycheck. Payday loans are designed to help cover emergency expenses or other financial obligations that might come up between paychecks.
Pros
- It is an excellent option for emergency expenses, such as house repairs or daily essentials.
- You are totally free of bounced checks and overdraft fees.
Cons
- The level of provided credit is too limited.
- You are not allowed to borrow money again and again with this plan.
You can pay back your Speedy cash installment loans or any type of plan you have chosen by one of the four methods mentioned below;
- Cash payoff
- Debit card payment
- Automatic payment from your bank account
- Or post-dated check
Your payday loan date will be scheduled around your next payday, between 10-18 days away.
Suppose you don’t pay back your loan for any reason. In that case, Speedy Cash will recommend contacting your loan lender, and they will provide options including a repayment plan, an extension on your due date, or the ability to refinance your loan.
Who is a speedy Cash loan good for?
In most of the technical parameters, Speedy cash loans have no difference from the loans you are applying for from an official bank or financial institute; you have the same credit limitations, repayment timeline, and penalties for delayed or missed payback. The element which can make Speedy cash loans more attractive is the diversity of plans you can choose in your emergency conditions; definitely, no bank owner will let you use their credit as a payday program, which is freely accessible in Speedy Cash.
The following reason why a person may prefer working with Speedy Cash is the negative experiences some users have when they apply for a bank loan, especially those who have lost their home or business because of repayment delays. Although Speedy Cash has a more narrowed loan choice in terms of credit, they are not atrocious enough to fetch your living house!!!
What are speedy cash loans requirements?
For getting applied for loans like Speedy Cash, you must have the confirmation of these requirements;
- You have to be at least 18 years old.
- You should be able to show proof of income.
- Having a valid phone number.
- Owning an open and active checking account.
The number of Speedy cash installment loans you can get depends on your living state and on the lender you are borrowing from. For example, there is no option for an American to apply for an installment loan in Alabama, but they can check for a payday loan with a value of $500 and a fee rate of 17.5%.
How to apply with speedy Cash?
Making an application for Speedy cash loans is too easy; since we have only three types of loans on the platform, we will approach the methods of applying for these options separately;
Speedy cash installment loans
- Apply for a Speedy cash installment loans program by contact with a phone number, a local office, or sending an email to the headquarters.
- Receive a quick lending decision.
- Sign the required document.
- Now you get the money instantly!!!
Line of Credit
- Open your Speedy cash account
- Call the related department by phone number, visit one of the local offices, or send a ticket with your profile to apply for a Line of Credit.
- Provide the required document, including a form of valid identification, a steady source of income, and an active checking account.
- Your Line of Credit will soon be opened for you.
Speedy cash payday loans
- Open your Speedy cash account
- Call the related department by phone number, visit one of the local offices physically, or send a ticket with your profile for applying for a payday loan plan.
- Receive a quick lending decision.
- The website will review your financial status and your credit scores. If you have bad credit, there is still a chance of getting your payday loan, but the probability is undoubtedly decreased.
- Review and sign your loan agreement (if approved).
- Your plan is almost ready. Payday loans are typically due to being paid back around your next payday, which is usually 7-14 days away
Speedy cash loans customer service
Since Speedy Cash is operative as a global corporation, an extended customer support mechanism is required to be responsible for more than 5 million online users worldwide. How can we get in touch with Speedy cash loans? Five separate departments are ready to help you with your problematic issues;
- Customer service
- Phone: 1-888-333-1360, from Monday to Friday 8 am – 9 pm (C.T.), and Saturday – Sunday 9 am – 4 pm (C.T.)
- Fax: 1-888-333-0568
- Mail address: Speedy Cash, P.O. Box 780408, Wichita, KS 67278
- Past due accounts
- Phone: 1-800-856-2911, from Monday to Friday 8 am – 9 pm (C.T.), and Saturday 9 am – 4 pm (C.T.)
- Fax: 1-316-771-8801
- Mail address: Past Due Accounts Attention, P.O. Box 780408, Wichita, KS 67278
- Find a Speedy Cash store near you
- Phone: 1-866-91-MONEY (916-6639)
- To find a Speedy cash store near you, click on the “Find a Store” option on the customer service page. Now you will be taken to a new screen with an online map on the right side and a search feature to enter your ZIP code or find your current location.
- Fraud department
- Phone: 1-877-336-9392 – from Monday to Friday 8 am – 6 pm (C.T.)
- Fax: 1-888-333-0568
- Mail address: Fraud attention, P.O. Box 780408, Wichita, KS 67278
- Bankruptcy department
- Phone: 1-316-425-1175 – from Monday to Friday 7 am – 3:30 pm (C.T.)
- Fax: 1-316-771-8825
- Mail address: Bankruptcy attention, P.O. Box 780408, Wichita, KS 67278
You can also visit the security center for any complications about your level of security or get some advice about how to cooperate with loans like Speedy Cash without getting in trouble.
Speedy cash online login
Any business pathway is floored with positive and disappointing features, so whenever you decide to open an account in Speedy Cash, you should be totally convinced of what you exactly require from the company.
Once you are persuaded, visit Speedycash.com on your browser, and click on “Sign In” on the top-right corner of the screen. Here, you can enter your email address and password to create a Speedy cash account for yourself easily; for login, you only need these credentials to make access to your profile.
Summary
That is it. To be honest, loans like Speedy Cash are suitable for people with poor credit scores. Many borrowers with a low credit score aren’t usually approved for traditional bank or credit union loans, so Speedy cash installment loans and loans like Speedy Cash are more favorites among these guys. There are also some Speedy cash alternatives out there, including CreditNinja and Rapid Cash.
If you get in trouble with paying your Speedy cash loans back, it is better to call your loan lender rather than wait until you have defaulted on your loan. For more information, you can visit the official Speedy cash website or contact the experts with the phone number listed above in the text.
