When Will I Receive My Funds?

Are you interested in an online loan from Speedy Cash, but would like to know quickly you will receive your funds? That is one of our most frequently asked questions! The answer varies depending on the funding option you select. Speedy Cash offers three different ways to receive your online loan funds:

Direct Deposit

Have your loan funds deposited directly to your bank account.

Instant Funding to Opt+

Have your loan funds instantly loaded to an opt+ card. This is the quickest funding option.

Instant funding subject to system limitations.

Cash at Store Pickup

Visit any Speedy Cash location to pick up your cash. Cash pick up is available right away, no waiting required!

Direct Deposit Funding Times

The exact time of funding depends on two key factors: When your loan application is approved and when your bank posts ACH (Automated Clearing House) credits to your bank account. If you expect to receive funds on a certain day, but do not see the funds in your bank account, you might want to contact your bank's ACH department.

If your online loan application is approved prior to Monday through Thursday, you should receive your funds by the next business day.
If your application is approved between Thursday and Sunday, you should receive your funds on Monday.
If your online loan application is approved after Sunday, you should receive your funds Tuesday.
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.

Funding times are subject to system limitations.

How Can I Get My Money Quicker?

We understand that you may be in a bind and need to get your cash as quickly as possible. Here are a few options to get your cash quicker.

Visit a Store Location

Cash at Store Pickup

Choose "Get Cash in Store" after you sign your loan documents. Then just bring your confirmation number and a valid photo ID to any Speedy Cash location and walk out with your cash in hand.

Prepaid Debit Cards

Opt+ Instant Funding

Speedy Cash offers instant funding to opt+ prepaid debit cards. If you have a card already, select this option after signing your loan documents online. Otherwise, visit MyOptPlus.com to get your card today!
Instant funding subject to system limitations.

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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