Installment Loans

Installment loans allow you to take out one lump sum of money in a cash advance – similar to a payday loan – but allows you to pay it back over several payments rather than all at once (like with payday loans). Speedy Cash installment loans give you the freedom to pay back your loan in full at any time, without penalties or fees. If an unexpected expense just popped up, or you're short on covering your bills this month, a Speedy Cash installment loan may be for you.

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Lending Decision in Minutes

Apply online with our 100% online application, or stop by a store. Either way, the application takes only minutes to fill out and we will give you a credit decision right away. We strive to get you cash as quickly as possible.

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Instant Funding Option

Get cash instantly deposited into your account with an opt+® Visa® prepaid debit card. Don't have an opt+ prepaid debit card? We can still get cash to you speedy fast – usually within 24 hours.

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Why Speedy Cash?

More than 2.4 million people have chosen us for their emergency cash needs.

How Installment Loans Work

In 6 Simple Steps!


1. Apply

You can apply for installment loans online, over the phone, or at a Speedy Cash location in just minutes. Apply Now


2. Get an instant lending decision

We'll immediately inform you whether your credit application has been approved and if approved, the amount of credit available.


3. Choose your loan amount

Select how much you would like to borrow, up to your approved amount.


4. Sign your loan documents

Review your loan terms and sign your loan documents.

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5. Get your money

Review your loan terms and sign your loan documents.

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6. Repay your loan with installment payments

Review your loan terms and sign your loan documents.

Frequently Asked Questions

Looking for more information on how installment loans work? Keep reading to get answers to frequently asked questions!

Q: Can I change my due date?

A: If you need an extension on your payment, you may be able to change your due date online or on your mobile app. Keep in mind, delaying your due date will cause your loan to accrue additional interest fees. We suggest paying an extra 5% of your original principal amount with your minimum payment to avoid a larger final payment.

Q: When will I have to pay my installment loan back?

A: Your first loan payment will be due on your next payday, unless your loan is taken out within days of your pay date. In this case, your first payment would be due on the following payday. Your loan will be split into substantially equal payments over a period of time stated at time of loan and in your loan documents. Larger payments are always encouraged to help lower the amount of interest you pay over the length of your loan.

Q: How can I make payments?

A: You can make a payment online, via the Speedy Cash app, or you can call us at 1-888-333-1360. For your convenience, you can sign an Optional Loan Payment Authorization form to authorize and direct us to automatically deduct payments from your bank account.

Q: What do I need to apply for an installment loan?

A: Whether you choose to apply for one of our installment loans online or at a store, you will need to have the following:

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Government-issued ID

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Steady source of income

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Open and active checking account

Q: When will I receive my cash advance?

A: When you need cash and you need it now, we know how important this is! Speedy Cash is proud to offer a number of different funding options so that you can select the option best for you.

Online Loans

Online loans will be direct deposited into the checking account you provide when applying. To see more about funding times, visit our loan funding page. If you are near one of our store locations, you may stop by to pick up your funds in person, same day.

Store Loans

Store loans are funded on the spot allowing you to get cash on the spot!

Q: What happens if I can't repay my loan on time?

A: Speedy Cash recommends that you only borrow what you can afford to pay back. However, we understand that emergencies happen. If you are unable to make your scheduled loan payments, give us a call or stop by one of our stores. We may be able to extend your due date or work out an alternate payment plan.

Questions? We're happy to help!

Learn More About Cash Advance Loans from Speedy Cash