Introducing Instant Funding to Debit Cards

What Services Does Speedy Cash Offer?

Speedy Cash offers a variety of services that can provide cash in a pinch. While services vary by state and by store, here is a rundown of Speedy Cash services:

Payday Loans

A payday loan is a short-term loan, generally for $500 or less, that is typically due on your next pay day.

  • Available: In stores, online, over the phone
  • Amount: From $50 - $1,500
  • Rates: Typically a flat fee
  • Term: Typically due on your next pay day

Installment Loans

An installment loan is a loan that is repaid over time with a set number of scheduled payments.

  • Available: In stores, online, over the phone
  • Amount: Up to $2,600
  • Rates: Daily interest
  • Term: Varies by state

Line of Credit

Available in-store and online, line of credit loans are open credit lines accessible at any time for any purpose. Visit this page to learn more about lines of credit.

  • Available: In stores, online, over the phone
  • Amount: Up to $1,500
  • Rates: Daily interest
  • Term: Stays open as long as you have activity on the loan, or until you request to close it

Title Loans

A title loan (or title pawn in some states) is a quick and convenient way for people who own their car or motorcycle to get cash. As long as you own your car or motorcycle and have its lien-free title (clear title not required in all states), you can use it as collateral to apply for cash.

  • Available: In stores
  • Amount: Up to $25,000
  • Rates: Varies by state
  • Term: Varies by state

Prepaid Debit Cards

Prepaid debit cards allow you to load money onto a card via checks, cash or direct deposit. You can then use your card to make online, in store, or over the phone purchases or bill payments. Speedy Cash is the exclusive provider of opt+ Visa® prepaid debit cards.

  • Available: In stores
  • Cost: No activation fees; card usage fees are based on card type

Check Cashing

Speedy Cash check cashing services are fast and simple, and there is no waiting period to get your money. We pay in cash, on the spot.

  • Available: In stores
  • Cost: Varies by market and by check amount

Cash for Gold

Speedy Cash buys unwanted pure gold, platinum, and diamonds. Cash for gold includes a safe gold testing process and risk-free guarantee.

  • Available: In participating stores
  • Cost: No cost, no obligation testing process

Money Orders

Speedy Cash money orders are issued via either Western Union® or MoneyGram® and offer payees the benefit of guaranteed payment.

  • Available: In stores
  • Cost: Varies by market

Wire Transfers

Wire transfers allow you to send cash instantly and affordably to people within the U.S. and around the world.

  • Available: In stores
  • Cost: Varies by market

Find Out What Speedy Cash Has to Offer You

Speedy Cash is devoted to helping individuals get the money they need to continue with day-to-day life.
Contact us to find out what services are available in your area, and find out how we can help you 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 business as an authorized delegate of Western Union Financial Services, Inc. under Chapter 151 of the Texas Finance Code. Speedy Cash engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. and Western Union Financial Services under Chapter 151 of the Texas Finance Code.

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.