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Frequently Asked Questions

Money Transfers

A: Money transfers send money electronically between two participants. They’re faster than bank transfers, and can be sent anywhere in the world that MoneyGram services are offered.
A: Visit a Speedy Cash location with valid identification and pay for your money transfer. You'll receive a reference number, which you'll need to provide to the person receiving the money transfer. The recipient can then pick up the money at any Speedy Cash location, or anywhere MoneyGram services are offered, but must provide the reference number and have a valid ID.
A: Yes. Speedy Cash can issue a money transfer and apply them to your bills, or you may apply the funds as payment toward a Speedy Cash loan. To pay a bill through our money transfer servicer, MoneyGram, all you have to do is come to one of our stores and complete an express payment form with the recipient's name. For utility or credit card payments, your account number is needed to forward the funds. Once we process it for you, the recipient will receive money within minutes.
A: Funds transferred through MoneyGram are usually available within 10 minutes, subject to compliance with regulatory requirements.
A: You can send or receive up to $10,000 in one transaction or up to $20,000 in one day.** *Timing of funds subject to agent operating hours and compliance with regulatory requirements. **Restrictions may apply depending on location. There is no charge to receive a money transfer, and you don’t even need a checking account.
A: Fees depend on how fast your money transfer is being sent, and where you’re sending it to. No fees are associated for money transfers going to a Coinme or G-Coin wallet. If you choose to send a $1,000 money transfer within the U.S., the fee is $25 for a 10-minute service. No fees will be applied to those simply receiving a money transfer. If you choose to load your funds onto a different prepaid card, there may be a small fee of $3.95 applied.
A: Most Speedy Cash stores accept cash to complete their money transfers.
A: No checking accounts are required to initiate or receive a money transfer.
A: Money can be picked up anywhere MoneyGram services are offered around the world.
A: No. If the country you’re sending the money to allows for more than one currency, only the sender can select the currency in which the money can be received.
A: Use our locations tool to find the store nearest you.
A: Money transfers are generally a safe and secure way to send money. We require both the sender and the receiver to provide ID, and the receiver to provide the unique reference number. The Federal Trade Commission strongly advises against sending money transfers to people or entities claiming you won a cash prize, telemarketers, or anyone you haven’t met in person.
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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 http://www.rld.state.nm.us/financialinstitutions/.

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), www.dob.texas.gov.

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