Short Term Installment Loans

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Responsible Borrowing

Installment loans are based on your income. Your next paycheck secures your installment loan, which is a form of instant loan. Installment loans are meant to help customers meet temporary, unplanned requirements for cash that can’t wait until the next paycheck.

The U.S. has seen a rapid growth in the popularity of installment loans since the economic recession that started in 2007. Millions of Americans use installment loans each year, with an average borrowed amount of about $450.


Speedy Loan is dedicated to the highest standards in the installment loan industry. We want our customers to make educated decisions. To that end, here are some important facts and resources that will help you better understand installment lending:

  • The Federal Truth in Lending Act requires installment lenders to disclose, in writing, all fees, rollover charges and other costs. These fees cannot exceed applicable regulations.
  • The Consumer Financial Protection Bureau is the federal watchdog agency fighting abusive installment lender practices and we support their efforts. The Bureau was established by the Dodd-Frank Reform Act and requires fair lending practices from all lenders, including installment lenders.
  • The Federal Trade Commission enforces the Fair Debt Collection Practices Act. Speedy Loan neither issues nor collects on loans, but it does endeavor to work only with lenders that strictly comply with established debt collection laws. Any lender found guilty of violating proper debt collection practices will be dropped from the Speedy Loan network.
  • Scams and frauds hurt all legitimate businesses and Speedy Loan will report scam artists and illicit lenders to the proper authorities.

Doing Your Part

Here are some nifty savings tips to stretch your paycheck:

  • Don't take kids shopping with you - they always want things.
  • Maintain your car and keep tires pressurized properly.
  • Have you paycheck directly deposited to your bank account.
  • Replace expensive cuts of meat with high protein vegetables.
  • Shop in second-hand stores and buy vintage clothes.
  • Get free drug samples from your doctor or psychiatrist.
  • Order prescriptions in bulk via your insurance company.
  • Enroll in frequent-flyer and other rewards programs.
  • Join the library and read more. You can also borrow videos and CDs.
  • Learn to style and cut your own hair.
  • Review all bills for incorrect charges.
  • Pack your lunch every day.
  • Cook with a crock pot for tasty, low-cost meals.
  • Quit the expensive gym and work out at home.
  • Brew your own coffee.
  • Learn to sew your own clothing.
  • Visit museums on free days. Utilize free parks and playgrounds.
  • Shop at mega stores.
  • Entertain at home with pot-luck dinners.
  • Re-gift.
  • Your babysitter could be your parents.
  • Teach kids to entertain themselves.
  • Demand lower rates from your credit card companies.
  • Keep your thermostat set to barely comfortable.
  • Get rid of pay-cable stations.
  • Drink water, not soda.
  • Read magazines at the library, avoid buying them.
  • Stay fit to keep medical costs down.
  • Stop smoking.
  • Use coupons and take advantage of sales.
  • Pay cash if it provides a discount.
  • Use energy-efficient light bulbs.
  • Sell unused items and have periodic garage sales.