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Why Speedy Cash

Even during times of uncertainty, you are our top priority. Since 1997 our products and services have evolved to meet the needs of more than 10 million people in our stores, over the phone and as an online lender.

As your trusted loan company, we’re armed with knowledge that we’ve accumulated over the last 25 years and want to provide you with the tools you need to get your finances back on track!

Looking to have some questions answered? We’ve got you covered. Our friendly reps are eager to support you and answer your loan services questions.

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Online Loans FAQs

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© 2026 Speedy Cash. All Rights Reserved.

Loan/Pawn Products: To receive a loan, you must meet applicable creditworthiness criteria. Subject to state regulations, eligibility, credit check, underwriting and approval. Must meet state database eligibility, where required. Applicant cannot be an active-duty member of the Military, or a spouse or dependent thereof. Amounts may vary by state, product or based on the results of an ability to repay analysis (where applicable). Rates, terms and conditions apply. All products are not available at all locations. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision. Advances only available up to approved credit limit; restrictions may apply.

Title loans are subject to minimum auto value requirements. See store for details.

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

†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.

Referral Rewards Program: The Referral Program (the “Program”) is a referral program where eligible Advocates (referrers) may refer eligible Friends (referees) to become new Speedy Cash customers in accordance with the Program’s Terms and Conditions (“Terms”). See the Program’s Terms for eligibility requirements and other Program rules and restrictions.

An Advocate’s referral of a Friend is considered successful only after a Friend successfully obtains a loan or pawn product in the amount of at least $100 offered through Speedy Cash and the Advocate and Friend comply with the Terms.

Limit one (1) $50 reward per Advocate and Friend per successful referral. Advocates may refer an unlimited number of Friends in accordance with the Terms.

A Friend obtaining a loan or pawn product offered through Speedy Cash is not guaranteed upon a referral by an Advocate and is subject to certain: (i) underwriting criteria, proof of income requirements, lending limits, age restrictions under applicable law for certain loan or pawn products, among other requirements depending on the loan or pawn product applied for; (ii) loan or pawn product availability; (iii) state laws; and (iv) federal laws.

Green Dot: Must be the age of majority in your state of residence (18 or more) 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 have initial eligible direct deposits, must be in good standing and have an activated chip-enabled debit card to opt-in. Ongoing eligible direct deposits and other criteria apply to maintain eligibility for overdraft protection. Only debit card purchase transactions are eligible for overdraft protection and overdrafts are paid at our discretion. We reserve the right to not pay overdrafts. For example, we may not pay overdrafts if the account is not in good standing, or is not receiving ongoing eligible direct deposits, or has too many overdrafts. 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. Overdraft protection is only available on Demand Deposit Accounts that meet eligibility requirements. Log into and refer to your Account Agreement to check feature availability.

3. See app for free ATM locations. 4 free withdrawals per calendar month, $3.00 per withdrawal thereafter. $3 for out-of-network withdrawals and $.50 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 deposited with Green Dot Ban and are aggregated for deposit insurance coverage up to the allowable limits.

Fees, limits, terms, and conditions apply. See store for details

©2026 Green Dot Bank. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739

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.

Louisiana: If you cannot make payment when due, you can ask to enter into an extended payment plan once in a twelve-month period, but the request must be made before payment is due. Should your lender (Speedy Cash) refuse to enter into an extended payment plan upon your request before the due date, contact the Office of Financial Institutions at 1-888-525-9414.

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. Customer with credit difficulties should seek credit counseling before entering into any loan transaction.

Ohio: SCIL, Inc. or Speedy Cash, 2312 E Trinity Mills Rd STE 100 Carrollton, TX 75006, license number: ST.760159.000.

Texas: Speedy Cash is registered as a Credit Service Organization and licensed as a Credit Access Business to assist customers in obtaining a loan through an unaffiliated third-party lender.

Website Copyright:
©2026 Speedy Cash. All rights reserved.
2312 E Trinity Mills Rd, Ste 100, Carrollton TX 75006