Alternative to Speedy Cash
Fortunately, the world is becoming more and more aware of the dangers of financial services like payday loans, or other high interest mediums. Sometimes, however, they’re necessary to help people find the cash they need for necessities like rent or food. There are alternatives to Speedy Cash payday loans, or Speedy Cash title loans, that can save you hundreds of dollars in monthly payments and interest alike.
Phoenix Title Loans has been providing title loans to Phoenix, Mesa, Tempe, Scottsdale, Chandler, and other parts of Arizona for over 20 years! By far, the lowest monthly payments and interest rates can be found at our title loan centers. If you’re looking for an alternative to Speedy cash, then you’ve found the right place.
Why a Title Loan Instead of a Payday Loan
Auto title loans are longer term financial instruments. However, there are clear differences. First, they have lower interest rates. In addition, you can have options on the repayment plan. Which makes it easier to repay, along with paying your monthly bills as well. Most importantly, they aren’t taken directly out of your paychecks like a payday loan is.
If you’re looking for options to get cash, then consider a title loan from Phoenix Title Loans. Because our title loans are an alternative to Speedy Cash and their payday loan. With tons of locations all around Arizona, you will find a location near you. Thereby, giving you the opportunity to get the cash you need in minutes, and have time to repay the loan comfortably.
Refinancing Your Existing Title Loan to Save Money
If you’ve already got an existing title loan, then great! You’re already saving buckets in interest alone versus a payday loan. Although there are still more ways that you could save cash. Phoenix Title Loans boasts some of the lowest interest rates in all of Phoenix. Which means we also have some of the lowest monthly payments in town as well! Additionally, all of our auto title loans are amortized meaning customers know exactly what day they’ll have the loan paid off.
Alternative lenders like Speedy Cash only require minimum monthly payments of interest. Therefore, the customers still have the original principal left to pay off at the end of the loan. Phoenix Title Loans doesn’t support this practice. Instead, we highly suggest to pay as much as possible monthly above your scheduled payment. Therefore, chipping away at the principal throughout the loan, as well as the monthly accrued interest. Therefore, as each payment is made, also lessens the monthly interest, and allows more of your payment go directly to the principal. Moreover, by the end of the loan, the principal is easily paid off in full.
Refinancing your title loan can ensure your payback, while even lowering your monthly payment, interest, and in some cases getting even more cash out of your title loan than normal! It’s no doubt that Phoenix Title Loans is the leading title loan lender in town, and always has its customers best interests in mind from start to finish. Reach out today if you’d like to refinance your title loan and we’ll help you find all the savings available from your vehicle.
The Best Alternative to Speedy Cash in Arizona
If you’re still searching for an alternative to Speedy Cash that doesn’t charge the outrageous interest rates of payday lenders, look no further than Phoenix Title Loans. Thousands of Arizona residents have made the switch from Speedy Cash to our more affordable, transparent, and flexible lending solutions. Our auto title loans are designed for people who need quick access to money without getting caught in a cycle of debt. Unlike Speedy Cash loans, our loans provide the breathing room borrowers need to regain financial stability.
Many customers who come to us have already experienced the burdens of borrowing from Speedy Cash. Whether it’s the mounting fees, the constant pressure from due dates, or the damage to their credit scores, Speedy Cash customers often express regret—and we’re here to help them make a smarter financial decision moving forward. At Phoenix Title Loans, our goal is to help you avoid the trap of short-term payday lending and guide you toward a more responsible and manageable way to borrow money.
Lower Interest, Longer Terms — A Smarter Choice Than Speedy Cash
Speedy Cash payday loans are notorious for their short repayment periods and sky-high APRs that can exceed 400% annually. Most Speedy Cash customers find themselves needing to renew or “roll over” their loans just to keep up, which leads to even more fees and interest. At Phoenix Title Loans, we believe that’s no way to help someone in financial distress.
Our auto title loans, on the other hand, provide extended repayment terms—sometimes up to 36 months—and interest rates that are a fraction of what Speedy Cash charges. This makes our loans not just more affordable month to month, but also more manageable in the long term. With us, you can breathe easier knowing you’re not adding more financial strain with every payment.
Why Arizona Residents Choose Us Over Speedy Cash
Across Phoenix, Mesa, Glendale, Chandler, and other major cities in Arizona, people are learning that there’s a better alternative to Speedy Cash. We offer personalized customer service, flexible payment options, and access to cash in under an hour. Whether you’re facing an emergency expense, overdue bills, or an unexpected repair, you’ll find that Phoenix Title Loans delivers real financial help—not just a temporary fix like Speedy Cash.
And unlike Speedy Cash, we do not penalize you for early payoff. In fact, we encourage it. Paying off your title loan early can help reduce your overall interest paid and get you back on your feet faster. That’s a key difference between Phoenix Title Loans and Speedy Cash—our priority is your financial recovery, not trapping you in a never-ending payment cycle.
More Cash Than Speedy Cash Can Offer
Need more than a few hundred dollars? Unlike Speedy Cash payday loans, which are typically capped at $500 to $1000 depending on your state’s regulations, Phoenix Title Loans offers larger loan amounts based on your vehicle’s value. In many cases, customers are able to borrow
several thousand dollars using their car title as collateral—without selling their vehicle.
If Speedy Cash isn’t giving you enough to cover your expenses, it may be time to explore a better solution. With us, your car stays in your possession, and you get the funds you need with a realistic repayment plan. You’ll have more flexibility, less stress, and better overall results compared to Speedy Cash’s payday lending model.
The Hidden Costs of Speedy Cash Loans
Speedy Cash payday loans often seem attractive at first glance. Quick cash. No credit check. Easy approval. But the hidden fees, compounding interest, and short repayment terms make it almost impossible to pay them off on time. What starts as a $300 loan could easily cost you $600 or more within a month. Multiply that by several months of rollovers, and you’re looking at a debt spiral that’s hard to escape.
Phoenix Title Loans has none of those traps. We’re upfront with our terms and encourage our customers to understand their repayment plan before signing any documents. No surprises. No gimmicks. No cycle of debt. Just a better alternative to Speedy Cash.
Online Title Loans — Faster Than Speedy Cash
Need money fast but can’t get to a physical location? Phoenix Title Loans offers an online application that can be completed in minutes from your phone or computer. Our remote lending process is designed to get you approved and funded faster than Speedy Cash—without leaving your home.
While Speedy Cash may require you to visit a store or provide endless paperwork, we make it simple. Submit a few details about your vehicle, upload your documents, and one of our friendly representatives will contact you to finalize your loan. Most loans are approved the same day—many within the hour.
Rebuilding Your Credit While Borrowing Smarter
Another major benefit of choosing Phoenix Title Loans over Speedy Cash is our ability to help you rebuild your credit over time. Because our loans are structured like traditional installment loans, they can positively impact your credit when paid on time. In contrast, Speedy Cash payday 
loans often don’t report to major credit bureaus—or worse, they only report delinquent accounts.
We view lending as an opportunity to help our customers move forward financially. Whether it’s your first title loan or a refinance of an existing Speedy Cash loan, we’re here to help you succeed—not just survive.
Refinance Your Speedy Cash Loan Today
Already stuck in a Speedy Cash loan that’s draining your wallet? We specialize in refinancing high-interest loans, including payday loans and title loans from other lenders. By bringing your loan to Phoenix Title Loans, you could significantly lower your interest rate, reduce your monthly payment, and even get additional cash based on your vehicle’s value.
You don’t have to stay stuck with Speedy Cash. Many customers have switched to us and seen immediate savings. Our team will work with you one-on-one to structure a refinance plan that works with your budget and financial goals. All it takes is one call or visit to see how much you can save by switching from Speedy Cash to Phoenix Title Loans.
Your Vehicle, Your Loan, Your Terms — Better Than Speedy Cash
At Phoenix Title Loans, we put you in control of your loan. You keep your vehicle, choose your payment schedule, and can even pay off your loan early with no penalty. Compare that to Speedy Cash’s rigid payday loan structure, and it’s easy to see why so many Arizona residents have made the switch.
We’re not just a loan provider—we’re your financial ally. Whether you need a few hundred or several thousand dollars, we’re here to help you avoid the financial pitfalls that come with Speedy Cash payday loans.
Choose the Smarter Alternative to Speedy Cash Today
Don’t let Speedy Cash cost you more than you can afford. With locations across Arizona and a customer-first philosophy, Phoenix Title Loans is your trusted source for fast, affordable lending. Apply online or visit a location near you and discover the better, safer, and smarter alternative to Speedy Cash.
DISCLOSURE: Loan amounts, terms, and rates vary by applicant and are subject to final approval. Not all applicants will qualify for the maximum advertised amount. All loans are secured by the value of your vehicle, which must be titled in Arizona and owned free and clear, unless otherwise stated.
Representative Example: A $2,000 auto title loan with a term of 12 months and an annual percentage rate (APR) of 35.99% would require 12 monthly payments of $200.96, for a total repayment of $2,411.52. All applicable fees and finance charges are included in the disclosed APR. This representative example is typical of a preferred loan with 25% Loan-to-Value ratio, $5,000 loan amount minimum, and a credit score of 700 or higher. Actual loan terms may vary based on vehicle value, requested loan amount, repayment ability, and applicable state regulations.
Early repayment is allowed at any time without penalty. Paying off your loan early may reduce the total cost of borrowing. Borrowers may be eligible for interest reductions when loans are paid off within an early payoff window, where applicable. We do not require a credit check for most auto title loans; however, all applicants must demonstrate the ability to repay the loan. Proof of income may be requested for underwriting purposes but is not always required for approval.
Approval times may vary and are subject to identity verification, vehicle inspection, confirmation of clear title status, and review of all required documents. While many loans are funded on the same day, some may require additional time for processing.
Phoenix Title Loans, LLC complies with all applicable federal and state lending regulations, including but not limited to the Arizona Revised Statutes Title 6, Chapter 5 and Title 44, Chapter 2.1, the Truth in Lending Act (TILA), and the Equal Credit Opportunity Act (ECOA). We are committed to transparency, fairness, and the responsible servicing of every loan. For borrowers who prefer to communicate in a language other than English, translated disclosures may be available upon request.
