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How LongDoes It Take To Get A Payday Loan?

Payday loans can help you get cash quickly, but when borrowing a payday loan, consider the time it takes for your application process – which will vary depending on how you apply.

  • Get instant cash at a payday loan store

  • Receive an instant lending decision online

  • Apply in minutes over the phone

How Long Does It Take to Get a Payday Loan?

So you have an emergency and you need cash, and you need it now. A payday loan may be the quickest way to get the cash you need. But how quickly you receive cash depends on how you apply.

Apply at a Store

Once you've been approved, you will typically receive your cash right away. Some stores may disperse your loan with a money order – so be sure to ask first.

Apply Online

When you apply online, it will usually take up to 1 business day to receive your cash. This process is a bit longer because the funds have to be sent to your bank account.

Apply by Phone

The process of applying over the phone is similar to the online process – count on it taking up to 1 business day to receive the cash in your bank account.

Speedy Cash Instant Payday Loans

Speedy Cash offers options that are not available with all payday lenders. Here's how you can get cash quicker from Speedy Cash:

  1. Cash at Store Pickup: If you choose to apply online and you have a Speedy Cash store near you, you can elect to pick up your cash immediately at the store – no waiting for funds to be deposited to your bank account.
  2. Come See Our Friendly Faces: Speedy Cash has stores located across the country. Stop by to apply for a loan at one of our payday loan stores. Upon approval, we will give you your cash on the spot!

Looking for something else?

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Español 1-855-734-0111

© 2022 Speedy Cash. All Rights Reserved.

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, Oklahoma, Oregon, 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: Deferred deposit loans are provided in accordance with the Department of Financial Protection and Innovation pursuant to California Deferred Deposit Transaction Law, Cal. Fin. Code §23000 et seq.

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.

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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