Get Instant Funding to your Debit Card!

How Does a Cash Advance Loan Work?

Follow these steps to receive a quick cash loan.

Fill Out a Loan Application
Receive a Lending Decision
If Approved, Get Your Cash Instantly
Apply Now

How Does a Cash Advance Loan Work?

How Do I Get
A Cash Advance?

There are a few different ways to apply for a cash advance, including online, in a store or over the phone.
Most lenders have the same basic requirements to apply for a cash advance.

Here is what you will need to apply for a cash advance loan with Speedy Cash:

  • Meet minimum age requirements (18 in most states)
  • Valid ID
  • Proof of steady source of income
  • Checking account information
  • Valid phone number

Apply for a Cash Advance Today

Apply for a cash advance online using our secure and confidential loan application and you will receive a quick lending decision. Applying is quick, easy and can be done a few different ways - online, in a store or over the phone.

Apply Online

Apply online in minutes
using our secure application.

Find a Store

Visit one of our nationwide
store locations to apply in person.

Click to Call

Speak with a dedicated loan
specialist to apply over the phone.

Cash Advance Questions

A: A cash advance loan is an emergency loan that allows you to cover unexpected expenses or bills. These are loans such as payday loans, installment loans, title loans, or line of credit loans.

A: The amount of interest will depend on the product type and what state the loan is originated in. Visit our rates and terms pages to learn more about the interest rates and loans offered in your state.

A: Cash advance amounts are typically based on your monthly earnings and your ability to repay the amount you borrow. Also, depending on the state in which you live there are state regulations that may limit the amount you are allowed borrow.

Apply for a Cash Advance Loan from Speedy Cash

Apply for a cash advance now in just minutes, and if approved, get cash instantly with instant funding to your debit card.

Did you receive a reservation number in the mail? Click here to get started.

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.

Short term loans should be used for short-term financial needs and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

The credit decision on your application may be based in whole or in part on information obtained from a national database including, but not limited to, TransUnion, Equifax, LexisNexis or FactorTrust, Inc.

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 Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law. California loans other than deferred deposit loans are issued pursuant to the California Financing Law.

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.