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Online Loans from Speedy Cash

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100% Online

No need to visit a store - complete the entire process online.

Quick Lending Decision

Receive a lending decision in a matter of minutes.

Instant Funding

If approved, get cash instantly deposited to your debit card.


Is an Online Loan Right for Me?

Deciding if you need a loan can be a difficult decision, it makes it even more difficult if you have less than perfect credit. If you are thinking about applying for a loan online here are a few things to consider:

  1. Are you confident you will be able to repay the loan?
  2. Have you considered asking friends or family members for help?
  3. Does your reason for needing a loan outweigh the total cost of the loan?

If you answered "yes" to any of these questions, Speedy Cash might be able to help. Remember the loans that Speedy Cash offers should be used for short-term financial needs only and not as a long-term financial solution.

Why Speedy Cash?

We understand that you have a lot of options when it comes to choosing a website to use to apply for a loan online. So why should you choose Speedy Cash? Here are a few facts we think you will like:

  • Highly Satisfied Customers

    95% of online Speedy Cash Customers are satisfied with their loan experience.*

  • Clear Rates & Terms

    We are committed to being transparent. Rates & terms are clearly stated on our website for every product we offer. And you will have a chance to review rates and terms specific to your loan before signing your loan agreement.

  • Direct Lender**

    Some online loan websites are not actual lenders. They will collect your information and then sell it to a lender. Speedy Cash is a direct lender, which means that you apply directly with us and we service your loan from providing cash to processing your payments.

*Data collected from a survey from October 15, 2018 – October 16, 2018.
** In Texas, Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party.

Speedy Cash Reviews

Trusted by millions

People just like you have trusted us since 1997. But don't just take our word for it; check out our rave reviews on Trustpilot and Consumer Affairs

How do I apply for an online loan from Speedy Cash?

  1. Complete a secure loan application

    If you have decided that an online loan is right for you, then you can complete a simple application from our website or mobile app. Need help? Give us a call at 1-888-333-1360.

  2. Receive a quick lending decision

    We know you need your cash fast, so we strive to give you a lending decision as quickly as possible. In some instances we may ask you to provide additional information to protect your identity and to make sure that your loan payments are manageable for you current situation.

  3. Select your loan amount

    If you're approved - you have the decision to set your loan amount. Borrow as little as $50 up to your maximum approval amount. With Speedy Cash, the choice is always yours. We encourage you to only borrow what you need.

  4. Sign your documents

    Once you select your loan amount, review the contents of your loan documents, including the loan amount, fees and repayment term. If you agree to the terms you can sign the documents directly online - no need to fax, print or visit a store (but you can if you'd like).

  5. Receive your cash

    By default, we will send your cash directly to your bank account. But you also have the option to select a faster way to get your cash with instant funding to a debit card and cash at store pickup options.

  6. Convenient repayment options

    We try to make loan payments as manageable as possible. That's why your payment due dates are typically due around your pay dates. So if you're paid bi-weekly, your payments will typically be due bi-weekly. Enroll for AutoPay as part of your application process or make payments through your online account.

Apply for instant cash

Have you made your decision? Complete your application online, and if approved you could get instant cash - funds immediately deposited to your debit card!

Apply now

Online Loan Questions

As they say, knowledge is power and we want to make sure you feel completely informed about your loan decision. Take a look at our quick-answer online loan FAQs below. Need more detail? Give us a call and one of our skilled Representatives will gladly walk you through any information that is unclear.

What types of online loans does Speedy Cash offer?

We offer payday loans, line of credit loans, and installment loans online. However, not all loans are offered online in every state. To find out the types of loan(s) we offer in your state, visit your state's Available Loans page.

What online loans are available in my state?

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

Can I get a loan online with no credit check?

To put it simply, no. Many lenders may say they offer “no credit check loans”, but typically lenders do some type of a credit check, it may just not be a hard credit check. If a lender is stating they have “bad credit loans” or “no credit check loans” consider reviewing the lender’s rates and terms for the product you are interested in, as these loans may have higher APR or additional fees.

If I'm approved for a loan online, when will I get my cash?

Funding times vary based on the day and time you are approved. If approved, you could even get an instant loan with cash deposited straight to your debit card. Yep, that's right – instant cash!

Can I get approved today?

After you submit your application, we strive to give you a fast lending decision. Some people will receive an instant lending decision letting you know if you are approved. Other people may be asked to provide further documentation for us to provide you with a lending decision. If you need to provide documentation, we will quickly let you know. Once you provide the additional documentation, we will review it and quickly provide you with a lending decision.

Why would I need to provide additional documentation after submitting my application?

There are a couple of reasons that we may ask you for additional documentation:

  1. Security: If we are unable to verify your identity, we may ask you to provide a copy of a valid form of identification. This is for your security so that we can make sure a fraudster is not applying for a loan using your identity – your security is our top priority.
  2. Income Verification: When we approve loan applications and determine the maximum amount for each application, an important factor is making sure that the loan payments are manageable for your current situation (taking your income and a few other factors into consideration). To make sure payments will be manageable, we may ask you to provide documentation that verifies your income and deposits.
Is it safe to share my personal information online?

Our website is encrypted for your security. We use a number of security measures that are continually tested and certified by McAfee SECURE™.

We're here to help

It’s our goal to provide loans to people that might not have a high enough credit score to get a loan at a traditional bank. We also know that if you’re in a situation where you need cash fast, you’re likely under a lot of stress. Let us help you relieve some stress with these additional resources. Of course we would love to be your lender, but more than that, we want you to make an educated decision. Check out these resources to help you with your decision.

Did you receive a reservation number in the mail? Click here to get started.

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 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

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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