Online Loans from Speedy Cash

Cash emergencies happen. Life moves fast and doesn’t slow down when money is tight. Speedy Cash understands that sometimes you need cash in a hurry; that’s why we offer loans online 24/7. Online loans and payday loans online from Speedy Cash could provide you with a cash advance when you need it most.

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*In Texas, Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party. In Ohio, SCIL, Inc. dba Speedy Cash, is a registered Ohio Credit Services Organization (CS.900174.000) operating pursuant to the Ohio Credit Services Organization Act. The actual lender is an unaffiliated third party.

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How Do Online Loans from Speedy Cash Work?

Applying for an Online Loan

While you may be eager to apply for an online loan from Speedy Cash, borrowing money can be an intimidating experience for some. With so many lenders providing online loan services, choosing a loan provider is tough. Now add into the equation choosing an online loan that’s right for your financial situation – now that’s a sticky situation! Your friends at Speedy Cash want to make your online loan options are as clear as possible. Consider the following when choosing an online loan (loan availability varies by state):

Payday Loans

You may have heard of payday loans referred to as cash advances; they’re the same thing. If you are in need of quick cash, a payday loan may be the temporary financial fix for you. Remember, payday loans give access to fast cash, but the turnaround to pay back in full is usually around the time that you’ll receive your next pay check. With a payday loan from Speedy Cash, you will be repaying the principal loan amount plus finance fees.

Installment Loans

Installment loans offer a longer repayment period than your typical payday loan. If you’re in need of cash, but need a bit longer time to pay the loan back, consider an installment loan. Installment loans could help you pay your utility bills or an unexpected home repair. Installment loans from Speedy Cash offer fixed monthly payments over the agreed upon time period in your loan agreement.

Line of Credit Loans

If you apply and get approved for a line of credit loan, you can take out cash advances up to your credit limit. A line of credit loan functions similarly to a credit card – as long as you make your loan payments on time, you can borrow the amount of cash you need (up to your credit limit). At Speedy Cash, once you’re approved for a line of credit loan, you won’t need to reapply every time you need to take out more money!

Still feeling confused? Feel free to browse our website, give us a call, send us an email, or stop by a Speedy Cash location near you – we’re always here to answer your questions. If you’re in a tough financial spot, you could be approved for a loan from Speedy Cash!

Online Loan Questions

A: We offer payday loans, line of credit loans, and installment loans online. However, not all loans are offered online in every state. Visit our online loans rates and terms pages for information about loans offered in your state.

A: Rates, terms and availability of loans may vary by state. Visit our rates and terms page to see which types of online loans are available where you live.

A: Funding times for online loans vary, based on the day and time you are approved.

A: After you submit your application, you will get an immediate lending decision. If approved, your money may be deposited into your account in as soon as 24 hours.

A: Your information is encrypted on our website. We use PCI-compliant, bank-level security that is continually tested and certified by McAfee SECURE.

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Online Loans Offered by Speedy Cash

We offer various online loans to fit your specific needs.

Loan amounts, terms and rates vary by loan type and by state. The chart above is representative of typical loans from Speedy Cash. For specifics on the loans offered in your state, visit our Rates & Terms section.

Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Installment title loans subject to minimum auto value requirements. See associate for details. Lending decisions and funding times subject to system limitations. Same day funding only available for Opt+ cardholders and in-store pickup. Minimum age to apply in Alabama is 19. A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday advances are not recommended as long-term financial solutions. Customers with credit difficulties should seek consumer credit counseling.

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.

In 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 business as an authorized delegate of Western Union Financial Services, Inc. under Chapter 151 of the Texas Finance Code. Speedy Cash engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. and Western Union Financial Services under Chapter 151 of the Texas Finance Code.

In Ohio, SCIL, Inc. dba Speedy Cash, is a registered Ohio Credit Services Organization (CS.900174.000) operating pursuant to the Ohio Credit Services Organization Act. The actual lender is an unaffiliated third party. The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.

CA: 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. Installment Title Loans subject to minimum auto value requirements.

New Mexico: This lender 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/.

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.

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: Free 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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