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Installment Loans

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are blooming
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Select your state to see loans and amounts.

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Get More Cash
Installment Loans usually provide higher loan amounts than Payday Loans.
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Repay Over Time
Unlike a typical Payday Loan, an Installment Loan allows you to pay back your loan over time.
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Payoff Early and save
Installment Loans charge daily interest, so if you pay off early you can save on interest paid.

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What is an Installment Loan?

An Installment Loan lets you borrow a larger amount of money at one time (compared to a Payday Loan) and repay over time with a set number of scheduled payments. As you make payments, your loan balance decreases.

Pros

  • Fixed interest rate
  • Higher loan amount than Payday Loans
  • Fixed payments
  • No prepayment penalty

Cons

  • High interest rates
  • Temptation to borrow more than you need
  • May need to verify income

Before you
borrow

  • Have you read our Rates & Terms?
  • Can you manage payments?
  • Could you get a cheaper form of credit?

How it works:

1

Apply
Online, in store, or over the phone by calling 1-888-333-1360.

2

Receive a Quick Lending Decision

3

Sign Documents
(if approved)

4

Get Money Instantly†
On your debit card, or direct deposited into your checking account (typically within one business day).

5

Repay Over Time
Choose the automatic payment option to schedule your payments ahead of time.
apply now

What do I need to get an Installment Loan?

  • Personal info. Phone number, Social Security Number, and a valid ID.
  • Steady income. Net and gross pay, and income information.
  • Banking info. Checking account and routing numbers.

How soon could I get an online Installment Loan?

What good is our name if we don’t live up to it? We always strive to get your cash to you speedy fast. If you’re approved online, you could get your cash instantly† deposited to your debit card. That’s right – instantly!

Installment Loans vs. Payday Loans

Installment Loans

  • Principal amount accrues daily interest
  • Pay back with scheduled payments over a set amount of time
  • Loan amounts up to $3,000

Payday Loans

  • Flat fee based on the amount borrowed
  • Pay in full upon receiving your next pay check
  • Typical loan amount from $50 - $500

Installment Loans Help Center

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Speedy Cash.
Customer Service

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Español 1-855-734-0111

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© 2023 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 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.

Customers who are California residents may request information from us to know what personal information we may collect, have, or maintain about them and what we do with it per the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). If you are a California resident and wish to make a request under CCPA or CPRA, click on the “Do Not Sell or Share My Personal Information” button or link.

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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