Introducing Instant Funding to Debit Cards

About Speedy Cash

Since we opened our doors in 1997, we have believed in the vision of helping consumers who are in a tough spot financially. We’ve come a long way since opening our first store in Riverside, California, and we’re so excited to be the lender we are today. Our Customers are hard-working people who find themselves in need of a short-term loan - critical funds they may not be able to easily borrow from traditional banks. Speedy Cash offers a variety of convenient, easily-accessible financial services. This includes payday loans, title loans, installment loans, lines of credit and check cashing, and we are the exclusive provider of Opt+ prepaid debit cards. So whatever financial services you’re looking for, Speedy Cash is the place for you.

Applying for a Loan with Speedy Cash

We know our market and we know it well; after all, we have been in the biz since 1997! We strive to continually bring the latest and upcoming innovative lending methods to our Customers. We are proud to serve you in physical locations, online, over the phone, and via our mobile app. No matter where you choose to work with Speedy Cash, you'll find the same attractive, convenient main street stores; quick, convenient loan process; and consistent, helpful Customer Service. So what are you waiting for? Call, Click, or Come In to get one step closer to overcoming your financial hurdle!

Your Financial Security Matters to Us

Speedy Cash knows that it’s hard to trust your money and personal information with anyone, especially online. Between data breaches and phishing scams, the internet can be a scary place sometimes. That’s why our entire website, database, and mobile app - including the loan application - has been given the McAfee® Secure certificate and the Norton Secured certification. We want you to feel safe and secure when you use our system. Be sure to check our Security Center if you have any questions or concerns about Speedy Cash security measures.

Benefits Beyond Lending

Assisting our Customers with tackling financial burden starts with an immediate financial fix, then moves into a more long-term solution to overcoming debt. We supply resources that cover financial tips on saving money, paying off debt, budgeting, personal financial security, and much more. These articles on financial best practices provide recommendations some of our Customers may not feel they can find anywhere else. At Speedy Cash, we believe caring for our Customers goes beyond a loan and into helping them plan for their financial future.

Clarity and Peace of Mind While Lending

We don’t believe in hidden fees, unknown charges, or mysterious disappearing money. When you choose to apply for a loan with Speedy Cash, you are choosing complete transparency. Your interest rates, payment amounts, and payment dates are clearly identified and shared with you during the application process. These defined rates will not increase or change throughout the lifetime of your loan. We do this for two reasons: 1) We believe in being an upfront lender and 2) We want to make sure your loan is the right fit for you. We keep all approved loan applications open for 30 days, so you have time to determine whether the loan is the right decision for you before signing and entering into an agreement. Keeping your financial health in good standing is extremely important to us, so that’s why we let you choose the amount you want to take out, up to your approved limit. Clarity and choices is something that makes Speedy Cash stand out from the rest.

Want to See a Blast from the Past?

Check out how far we’ve come by taking a look at an early Speedy Cash store vs. the advanced operation we are today!

Speedy Cash circa 2001

One of our early stores around 2001.
One of our early stores.

Original Company Logo
Original Company Logo
Trade Marked 2001®

Speedy Cash Now

Our stores today.
Our stores today.

Existing Company Logo
Existing Company Logo

In Nevada, Washington, and Oregon we are proud to operate as Rapid Cash.

Speedy Roo

What About Roo?

Speedy Roo is the official mascot of Speedy Cash. Roo travels to store and community events to hand out hugs and high fives. He stars in some of our commercials, too. Even though he’s a pretty popular guy around here, he hasn’t let the fame get to his head!

Roo represents Speedy Cash because he's warm, friendly, and has a handy kangaroo pouch - a great place to keep cash! Have you seen Roo recently? Share your story and pictures on our Facebook or Twitter today!

Product types and maximum loan amounts vary by market. Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Title loans subject to minimum auto value requirements. See associate for details. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision.

Instant funding to a debit card is only available for online loans. Instant funding is not applicable for all debit cards and is not available in New Mexico, Ohio or South Carolina. Subject to system limitations. Some restrictions may apply.

Cash advances only available up to approved credit limit; some restrictions may apply.

NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.

Alabama: Minimum age to apply in Alabama is 19.

California: Speedy Cash is licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. California loans other than deferred deposit loans are issued pursuant to the California Financing Law. Installment Title Loans subject to minimum auto value requirements. Speedy Cash offers payday loans up to $255 and installment loans starting at $2,600.

Nevada: The use of check-cashing services, deferred deposit loan services, high-interest loan services or title loan services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

New Mexico: Speedy Cash is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website

Tennessee: The State of Tennessee requires a minimum principal reduction. In order to comply with the minimum state-required principal reduction, Speedy Cash requires that minimum payments include a principal reduction of 2% or $2.50 for Customers who get paid bi-weekly/twice-a-month, or 4% or $5 for Customers who get paid monthly, whichever is greater.

Texas: Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party. Speedy Cash engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. under Chapter 151 of the Texas Finance Code. If you have a complaint, first contact MoneyGram Payment Systems, Inc. at 1-800-MONEYGRAM. If you still have an unresolved complaint regarding the company’s money transmission or currency exchange activity, please direct your complaint to the Texas Department of Banking: 2601 North Lamar Boulevard, Austin, TX 78705-4294, 1-877-276-5554 (toll free),

Opt+: This card is issued by Axiom Bank or Metropolitan Commercial Bank, Member FDIC, pursuant to a license from Visa. Visa is a registered trademark of Visa USA Inc. All trademarks and service marks are property of their respective owners. ATM: No fee withdrawals at any Speedy Cash or Rapid Cash location. Transaction fees will apply for all other ATMs. No charge loads/unloads at Speedy Cash and Rapid Cash locations only.

Google Play is a trademark of Google Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Data rates may apply.

Customer Notice:
There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive.