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How It Works

Life is full of unexpected events and surprises, and more often than not, these come with at least some form of financial burden. When there is not enough funds to go around, waiting can be impossible. Speedy Loan exists to pair you with lenders who can get you the money you need through a short-term loan, even if you have bad credit or no credit at all. And even better, we do not charge you any fees for our services.

Understanding Short-Term Loans

Fast, Easy and Secure Online Form

Our loan request form is easy to complete and only takes about two minutes. We will only ask you for the information that is necessary to provide you with the short-term loan. After you submit your information, we will attempt to set you up with one of the lenders in our network. These lenders can offer you up to $1,500 as soon as the next business day, often without requiring you to fax a single document. We use 256-bit SSL technology to encrypt your data, providing you with a secure connection as you navigate through our website.

Short-Term Loan Offers with No Obligation

Minutes after you submit your information, you can be connected with a lender. You will be able to review the terms and conditions before you accept. If you do not like any given offer, you are under no obligation to accept it – simply move on to the next.

Get Your Money

Once you have chosen the offer that suits you best, you will enter a contract with that lender and will be required to provide an electronic signature. Most loans are deposited into your bank account as soon as the next business day.


In most cases, the amount borrowed, any applicable fees and interest will be withdrawn from your bank account on a predetermined date. This eliminates the headache of visiting a location or mailing a check or money order. It also negates the possibility that you will be required to pay late fees. If for any reason you are unable to repay your loan on this date, you can contact your lender to ask about extensions or loan rollovers. Make sure you do so before the due date. Any adjustments to your current loan conditions will have additional charges. Some lenders might have other repayment options available. Make sure to review the terms closely and check with your lender before signing the loan agreement.

Do I Qualify for a Loan?

The lenders who participate in our referral service will have their own criteria to determine whether an applicant is eligible for a loan. While many lenders will provide funding to borrowers with poor or no credit history, there are general requirements borrowers must meet to qualify for these types of loans. Before requesting funds on, make sure you meet the following criteria:

  • Be 18 years of age or older
  • Legally live and work in the United States
  • Have a steady source of income (e.g. employment, SSI, etc.)
  • Have a bank account in your name
  • Have a valid telephone number and email address
  • Meet minimum income requirements

Additionally, in order to qualify for a short-term loan, you should not have any accounts that are more than 60 days overdue, no active or recent bankruptcies, must not demonstrate a pattern of late payments, and must not have debt that cannot be covered by current income. Additional information might be reviewed based on the lender and the state.

All Types of Credit Considered

Unlike bank loans and credit card applications, the lenders from our network are likely to consider you for a short-term loan regardless of your credit score. Our lenders might perform credit checks with bureaus like TeleTrack and DP to ensure that you are not currently in bankruptcy nor have any existing non-paid short-term loans with other lenders.

Responsible Lending

In order to enjoy all the benefits of a short-term loan, it is important to repay your loan on time. You should contact your lender immediately if a situation arises that may cause you to miss a payment. This will allow you to negotiate new terms with your lender and may save you money. Before you request a loan through Speedy Loan, it is important to ensure that you will have the funds available to repay the loan in the specified time frame.

Short-term credit should not be used as a long-term financial solution. If you abuse your borrowing rights, you can damage your personal finances, and incur additional fees. Avoid creating a cycle of debt by following responsible borrowing practices and seek credit counseling, if you need help managing your credit difficulties.


Please refer to the FAQ page for general information about short-term loans. To provide feedback or comments regarding our website, please email us at For questions about your loan or loan terms, please contact your chosen lender directly. does not have access to your loan details and cannot answer any questions relating to it.