Get Instant Funding to your Debit Card!

Online Loan Funding Times

Speedy Cash offers three different ways to receive online loan cash, let us tell you a little about each of them so that you can decide the best option for you.

Instant Funding Speedy Cash is excited to be one of the only online lenders that offers an option to receive your online loan cash instantly. If your debit card qualifies for this option, you will be presented with an Instant Funding to Debit Card option after signing your loan documents online. Be sure to enter your debit card number when filling out your online application to see if your card is eligible for instant funding.

TIP: This is the quickest way to get your money.

Direct Deposit If you're approved for a loan online through Speedy Cash, we will default to depositing your cash directly to your bank account. If you are eligible for additional funding options, then you will be presented with those options after you sign your loan documents online.

Cash at Store Pickup If you’re near a Speedy Cash location, then you have the option to pick up cash at a store. Cash at store pick up is available right away, no waiting required! Be sure to bring a photo ID and your confirmation number when picking up your cash.

TIP: This is the quickest way to get CASH in hand (no need for checks or an ATM).

How quickly can I get my cash with instant funding?

15 minutes

Most funds are deposited within 15 minutes of loan completion. Loan completion means that you have been approved for the loan, have signed your documents online, and have selected instant funding as your funding method.

When will I get my cash if I choose direct deposit?

The exact time you will receive your direct deposit depends on two key factors: 1) When your loan application is approved, and 2) When your bank posts ACH (Automated Clearing House) credits to your bank account.

Apply and Receive Approval

Before 7:15 PM CT
Monday — Thursday

You Should Receive
Your Funds by

The next business day!

Apply and Receive Approval

Between 7:15 PM CT Thursday and 7:15 PM CT Sunday

You Should Receive
Your Funds by


Apply and Receive Approval

After 7:15 PM CT

You Should Receive
Your Funds by


On banking holidays, your funds will be delayed until the next banking business day. For example, if Monday is a banking holiday, then you will not receive your funds until Tuesday.

If you expected to receive your deposit on a certain day, but do not see the deposit in your bank account, you might want to contact your bank's ACH department.

Online Loan Funding Questions

How do I know if I qualify for instant funding?

There are some restrictions with instant funding to a debit card:

  1. Providing your debit card during the application process is optional. If you do not provide your debit card in the application, then we will not be able to provide you with the instant funding option. If you’re interested in receiving your online loan cash instantly, then be sure to enter your debit card information on the banking page of the application.
  2. Not all banks allow instant funding; however, the majority of our Customers’ bank accounts are covered.
  3. We do have some limits in place. These limits vary by market and by loan type. If your loan amount exceeds our limits within the state, then you will not be presented with the instant funding option. So there will never be a question whether you are eligible for instant funding to your debit card.
If I select the instant funding option, do I need to complete any additional steps?

For your security, we will ask you a few additional questions to verify your identity. The reason we do this is to make sure that we’re sending money to the right place. Don’t worry, they are basic questions and won’t take you long to complete. Well worth the extra minute to get your cash instantly!

How Can I Get an Instant Loan?

  1. Apply

    Complete and submit a loan application online or over the phone.

  2. Select your amount

    If approved, select the amount you would like to borrow (up to your max approval amount) and sign your loan documents.

  3. Get your funds

    Select the instant funding option to have your cash immediately sent to your debit card.

Did you receive a reservation number in the mail? Click here to get started.

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),

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.

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