Instant Payday Loans

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.

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:

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.
Opt+ Instant Funding: Speedy Cash has a partnership with opt+ - the provider of a Visa prepaid card – that allows you to have your payday loan direct deposited to your card. This process is subject to system limitations, but usually happens instantaneously so you don't have to wait for your money!
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!

Apply now in just minutes. Get cash as soon as tomorrow.

Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Installment title loans subject to minimum auto value requirements. See associate for details. Lending decisions and funding times subject to system limitations. Same day funding only available for Opt+ cardholders and in-store pickup. Minimum age to apply in Alabama is 19. A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday advances are not recommended as long-term financial solutions. Customers with credit difficulties should seek consumer credit counseling.

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.

In 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.

In Ohio, SCIL, Inc. dba Speedy Cash, is a registered Ohio Credit Services Organization (CS.900174.000) operating pursuant to the Ohio Credit Services Organization Act. The actual lender is an unaffiliated third party. The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.

CA: 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.

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.

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: Free 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.

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