PERSONAL LOANS

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Your path to financial success starts here!

At Speedy Cash, we're committed to helping you achieve your financial goals with the right personal loan. We understand that everyone's financial situation is unique, and you may be worried about qualifying for a loan with bad credit, that’s why we have various Speedy Cash loans to suit your needs. Depending on your location, we can provide you with multiple loan options to help you regain financial stability. Explore the loans available below to learn about your borrowing options and apply for a loan that’s right for you.

Our Quick Loan Options

PAYDAY LOAN

When you’re looking for small loans to cover immediate financial needs, a Payday Loan is the reliable choice. It offers a swift and straightforward way to access the funds you need, and you'll repay it, along with a flat fee, on or around your next pay day. Whether it's unexpected home or vehicle repairs, or covering everyday expenses like groceries, utilities, or rent, a Payday Loan may help.

INSTALLMENT LOAN

Opt for an Installment Loan if you prefer to pay back your loan in increments. This loan type lets you borrow money and gradually repay the borrowed amount through a set number of scheduled payments, and offers you access to a larger amount of cash. While you benefit from a fixed interest rate, remember that interest accrues daily. Paying your loan off ahead of schedule can lead to substantial interest savings. When you need quick funds for urgent expenses, apply for an Installment Loan from Speedy Cash!

LINE OF CREDIT

This personal loan option offers seamless access to funds for your ongoing expenses. There’s no need for additional credit checks or re-application, as long as you have available credit. At Speedy Cash, we believe in transparency. That's why there are no origination fees, no fees to initiate a line of credit, and no draw fees (though interest applies to the amount you draw). When you need quick and convenient cash loans, choose the flexible Line of Credit option!

TITLE LOAN

Own a vehicle with a clear title? You could get a loan by visiting your nearest Speedy Cash store and using your vehicle as collateral to access immediate funds! With our Title Loan option, we'll use your vehicle as collateral, and once your loan is fully repaid, your vehicle’s clear title will be returned to you. Speedy Cash offers not only Car Title Loans but also Motorcycle Title Loans, Truck Title Loans, Boat Title Loans, and RV Title Loans!

Ready to apply for a loan?

Your eligibility for personal loans and the maximum you can borrow depend on your state of residence. Select your state from the dropdown menu below to see which options are available to you!

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Looking for information regarding personal loan rates?

Check out our rates & terms for example payment schedules and amounts, or reach out to one of our eager reps for more details!

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© 2025 Speedy Cash. All Rights Reserved.

Loan Products: Subject to state regulations, eligibility, credit check, underwriting & approval, and meet state database eligibility, where required based on type of lending product requested. All products are not available at all locations. Rates, terms and conditions apply. 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.

Non-Loan Store Services: Rules, restrictions, and fees apply. See store for details.

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.

Green Dot: Must be 18 or older to open an account. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Mobile number verification, email address verification and mobile app are required to access all features.

1. Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your Green Dot account to prevent fraud restrictions on the account.

2. Opt-in required. Account must be in good standing and chip-enabled debit card activated to opt-in. Initial and ongoing eligible direct deposits are required for overdraft coverage. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Overdrafts are paid at our discretion. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee.

3. See app for free ATM locations. 1 free in-network withdrawal per calendar month. $3.00 per withdrawal thereafter. $3.00 for out-of-network withdrawals and $1.00 for balance inquiries, plus any fee the ATM owner may charge. Limits apply.

Green Dot® cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. And by Mastercard International Inc. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits. ©2023 Green Dot Bank. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739

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: Company is licensed by the California Department of Financial Protection and Innovation pursuant to California Deferred Deposit Transaction Law, Cal. Fin. Code §23000 et seq.

California: Compañía está autorizada por el Departamento de Protección e Innovación Financiera bajo la ley de Transacciones Depósito Diferidas de California, Cal. Fin. Código § 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.

Oregon: Licensed by the Oregon Department of Consumer and Business Services to make Deferred Deposit Loans, NLMS Id. #0267-004-S.

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.

If you 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.