Texas Installment Loans

If you're in a bind and need cash, Speedy Cash is here for you. An installment loan could offer you quick cash with a repayment schedule that allows you to pay back over time with scheduled installments.

Installment Loans Near Me

Find a Speedy Cash location near you.

Money in Minutes

If approved, get cash on the spot at a Texas location near you. If applying online, get your money in as little as 1 business day.

Pay Off Over Time

Make scheduled payments over time that are based around your pay days.

Manage Your Loan on the Go

View your loan balance, make a payment or change your due date on the go with our mobile app.

Speedy Cash Reviews

"My experience with Speedy Cash has been a very good one!!"

- Veda W. of Austin, TX

"The service that I have received from Speedy Cash has been convenient and professional."

- Todd E. of Dallas, TX

"Customer service made this process so easy! They were able to answer and explain any questions I had! Also very friendly staff!"

- Misty M. from Pasadena, TX

Actual customer testimonials

How Do Texas Installment Loans Work?

Installment Loans up to $3,000

Instant decision. Fast funding. Apply today!

Installment Loans for Surprise Expenses

Has your refrigerator decided that it will no longer keep your food cold? Houston, we’ve got a problem. Unfortunately, when major home appliances such as AC units, stoves, washers, and water heaters bust, we’re left wondering how we’ll pay for maintenance or a replacement in a very short amount of time. For life’s bigger (and sudden) expenses, consider applying for an installment loan. Flexibility and a longer repayment period are what make installment loans different than a typical payday loan. Deal with fixed installment loan payments later, deal with having working major appliances in your household today.

When Not to Apply for a Texas Installment Loan

Everyone has a unique financial situation – knowing yours is ideal when it comes to borrowing cash. Often times, headlines feature predatory cash lenders who only care about making a quick buck at the expense of their Customers’ wallets. Transparent and honest lenders will advise you to choose a loan product carefully, preferably one that works with your financial needs. Why? A tough financial situation that is making you consider applying for a cash loan could get even worse in the long run. For example, you should not apply for a Texas installment loan if you know that you will not be able to pay the loan in full plus interest fees at the end of the predetermined repayment period. If you’re searching for a long-term financial solution, an installment loan or any kind of loan is not the answer.

Installment Loan FAQs

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A: Speedy Cash offers three different ways to apply for an installment loan - as we like to say "just call, click or come in". You can apply for installment loans online, over the phone, or by visiting a Texas Speedy Cash store near you.

A: In Texas, Speedy Cash is a Credit Access Business - or CAB - and the actual lender is an unaffiliated third party. Because of this arrangement, CAB fees are charged to the borrower. Your periodic CAB fees keep your loan in good standing.

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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.

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 to a debit card is only available for online loans. 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 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.

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 http://www.rld.state.nm.us/financialinstitutions/.

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.

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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Customer Notice:
There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive.