Easy, Fast, Friendly Cash Loans

What Do You Need to Get a Payday Loan?

No extensive background check, no hassles, no complicated paperwork – when you apply for a loan through Speedy Cash, you can complete the application in less than 10 minutes. It doesn't matter whether you have bad credit or no credit; you just need to be provide us with some basic income, personal and banking information.

When you need cash fast, a payday advance from Speedy Cash may be a good solution. We make it easy for you to apply at one of our locations nationwide. Or if you prefer, you can complete an online application. We keep your personal information completely confidential. To get a payday loan, you’ll need to be at least 18 years old with a regular income and a checking account. If you’ve already got an opt+® Visa+® prepaid debit card from Speedy Cash, we can provide instant payday loan funding by immediately loading your debit card with your loan funds.

What Information Do I Need to Apply for a Speedy Cash Loan Online?

To apply for an online payday loan from Speedy Cash, you will need:

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ID number (verifying you're at least 18 years old)*

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Employment & income information

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Checking account information (account must be in your name)

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Valid email address

What Information Do I Need to Apply for a Speedy Cash Loan in Stores?

To apply for a payday loan at a Speedy Cash store, you will need:

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Proof of steady source of income

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Checkbook, debit card, or banking account information

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Photo ID (must be at least 18 to apply)*

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Working phone number


Still Have Questions About Payday Loan Requirements?

Still not certain what you need to apply for a loan with Speedy Cash? Continue reading to learn more!

I don't have a photo ID. Can I still get a loan?

If you don't have a driver's license or photo ID, you can visit one of our Speedy Cash locations, and a customer service representative will work with you to verify your identify and get you the cash you need.

I'm applying online. How do I get my pay stub information to you?

When you apply online, you just need to fill out our application, and we'll let you know if we need more information. If more information is required, we will provide step-by-step instructions throughout the online application process.

How is a payday loan different than an installment loan?

Payday loans are intended for short-term financial needs and require the borrower to pay a one-time flat fee, whereas installment loans allow for longer repayment schedule and accrue interest daily.


Get the Cash You Need!

If you have poor credit or no credit, you may think you can't qualify for a loan. But you may be able to get a Speedy Cash loan! We will do our best to help you get you the money you need.

*Alabama State Law requires borrower be at least 19 years of age. Mississippi State Law requires borrower be at least 21 years of age.