Responsible Borrowing Guides

Original educational articles for comparing costs, evaluating alternatives, and protecting yourself. Speedy is a referral service, not a lender.

Loan costs

How to Understand APR and Loan Fees

Learn how APR, finance charges, payment schedules, and total repayment amounts work together.

Read article →Alternatives

Alternatives to Short-Term Credit

Compare payment plans, credit-union options, workplace help, and community resources.

Read article →Consumer protection

How to Spot Advance-Fee Loan Scams

Recognize dangerous payment demands, fake guarantees, and identity-theft warning signs.

Read article →Budgeting

Build a Repayment-First Budget

Test a proposed payment against actual paydays, essential bills, and emergency scenarios.

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Educational content only; not financial or legal advice. Availability and laws vary by state.