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Installment Loans

better credit.*
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Select your state to see loans and amounts.

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Improve Credit Score
You could improve your credit score by making on-time payments.*

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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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Actual Customer Testimonials

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.


  • Fixed interest rate
  • Could improve your credit score with on-time payments*
  • Higher loan amount than Payday Loans
  • Fixed payments
  • No prepayment penalty


  • High interest rates
  • Could put a hard hit on your credit
  • Late or missed payments might hurt your credit*
  • Temptation to borrow more than you need
  • May need to verify income

Before you

  • Have you read our Rates & Terms?
  • Can you manage payments?
  • Could you get a cheaper form of credit?
*Speedy Cash reports to credit bureaus in some states. Making on-time payments could improve your credit score, and late payments, missed payments, or other defaults on your account may also be reflected in your credit report.

How it works:


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


Receive a Quick Lending Decision


Sign Documents
(if approved)


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


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 $5,000

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

Loan Products

  • Payday Loans
  • Installment Loans
  • Payday Loans Online
  • Title Loans
  • Line of Credit
  • Online Loans
  • Cash Advance Loans
  • Fast Cash Loans
  • Loans by Phone
  • Funding Times
  • Payday Advance
  • Short Term Loans

Store Services

Contact Customer Service


Axiom Cardholders

Metropolitan Cardholders

Refer to your card to determine your issuing bank.

© 1997-2021 Speedy Cash. All Rights Reserved. 3615 N Ridge Rd. Wichita, KS 67205

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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