Blog about payday loans, cash advances & bad credit loans for peoples looking to borrow money online when they need cash fast. Speed is one of the major factors. When you get a quick loan online you will save a lot of time. When you go down to your brick and mortar loan office, there will usually be a big line up that you will have to wait in to get served. This can take quite a few hours if itÂ’s a busy day that you need money on. When you do it online, you save money on waiting in line and on the process itself.