When Will I Receive My Funds?

Are you interested in an online loan from Speedy Cash, but would like to know quickly you will receive your funds? That is one of our most frequently asked questions! The answer varies depending on the funding option you select. Speedy Cash offers three different ways to receive your online loan funds:

Direct Deposit

Have your loan funds deposited directly to your bank account.

Instant Funding to Opt+

Have your loan funds instantly loaded to an opt+ card. This is the quickest funding option.

Instant funding subject to system limitations.

Cash at Store Pickup

Visit any Speedy Cash location to pick up your cash. Cash pick up is available right away, no waiting required!

Direct Deposit Funding Times

The exact time of funding depends on two key factors: When your loan application is approved and when your bank posts ACH (Automated Clearing House) credits to your bank account. If you expect to receive funds on a certain day, but do not see the funds in your bank account, you might want to contact your bank's ACH department.

If your online loan application is approved prior to Monday through Thursday, you should receive your funds by the next business day.
If your application is approved between Thursday and Sunday, you should receive your funds on Monday.
If your online loan application is approved after Sunday, you should receive your funds Tuesday.
On banking holidays, your funds will be delayed until the next banking business day. For example, if Monday is a banking holiday, then you will not receive your funds until Tuesday.

Funding times are subject to system limitations.

How Can I Get My Money Quicker?

We understand that you may be in a bind and need to get your cash as quickly as possible. Here are a few options to get your cash quicker.

Visit a Store Location

Cash at Store Pickup

Choose "Get Cash in Store" after you sign your loan documents. Then just bring your confirmation number and a valid photo ID to any Speedy Cash location and walk out with your cash in hand.

Prepaid Debit Cards

Opt+ Instant Funding

Speedy Cash offers instant funding to opt+ prepaid debit cards. If you have a card already, select this option after signing your loan documents online. Otherwise, visit MyOptPlus.com to get your card today!
Instant funding subject to system limitations.