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Check Cashing FAQs

Speedy Cash is more than just a payday loan lender. We provide a variety of services for your financial needs, including check cashing. Speedy Cash cashes a variety of types of checks in any amount from a variety of sources, including payroll checks, personal checks, government checks, money orders and cashier checks. Keep reading to learn more about our checking cashing services.

A: Rates to cash checks vary by market. Contact your local Speedy Cash for applicable rates in your state.
A: Speedy Cash has stores in cities all over the country. To find the nearest Speedy Cash, visit our store locator page.
A: Check cashing services at Speedy Cash are a great alternative to cashing a check at a bank. We cash a variety of checks including personal checks, employment checks, government checks and money orders.
A: If you don’t have a bank account, stop in to one of our stores and a helpful Speedy Cash representative can help with our check cashing services. We’ll just need to verify your identification, the check, who wrote it, the amount and ensure that the check has not been altered in any way. There is a minimum $2 fee for check-cashing and our rates vary by location.

Speedy Cash is always willing to work with you to help you get the most cash out of your check. Whether it’s a payroll check, government check, personal check, money order or any other type of check, your local Speedy Cash team is here to help you! Find the closest check cashing store location to you for quick and reliable check cashing services!
A: If you're wondering where to cash personal checks without going through the hassle of traditional banks, look no further than your local Speedy Cash store! Speedy Cash offers excellent Customer Service and is willing to work with Customers to ensure a fair fee that's competitive against other check cashing services.

A: To cash a check at Speedy Cash, there are a few things you need to bring with you to the store. You will need to provide identification and your check to take advantage of Speedy Cash check cashing services.
A: Speedy Cash stores are easily accessible and offer fast check cashing services. Simply swing by a Speedy Cash store when you are ready to cash your check. Visit our store locations page to find a Speedy Cash near you.
A: Speedy Cash currently only cashes checks in stores. Find out more about check cashing services or locate a Speedy Cash store near you.
A: Rates to cash a check at Speedy Cash are competitive and vary from location to location. We never let a good check walk out the door and are willing to work with you to ensure you get the most cash from your check.
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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),

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