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Online Loans

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Select your state for loan amounts.

How much will a loan cost?

Check out our Rates & Terms.


are satisfied with their loan experience*


got their loan within one hour**


would come back again***

*Data collected from a survey from October 15, 2018 – October 16, 2018.
**Data collected from a daily survey from 2018 – 2020.
***Data collected from a survey from January – February 2020.

Happy Customers

Actual Customer Testimonials

How it works:


Apply 100% online

No need to fax, print or visit a store (but you can if you’d like!)


Receive a quick lending decision

Usually in a matter of minutes or even instantly!


Select your amount

Select an amount from $50 up to your approval amount


Review and sign documents

Review your loan amount, fees and repayment schedule. Agree to the terms by signing your loan documents directly online.


Receive your cash

By default, we’ll direct deposit your $$ to your bank account. You could also select Instant Funding to a Debit Card or pick up cash in store.



Payments are typically due around your pay dates to make repayment as manageable as possible.

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What can I use an Online Loan for?

Depends on your personal situation! If you’re feeling the heat from too many bills, online loans could provide quick relief along with transparent fees and repayment options.

Overall, Speedy Cash Customers report* using loans for:

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    Everyday bills and utilities - 50%
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    Emergencies - 32%
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    Major home or car repairs - 12%
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    Medical bills - 7%

*Data collected from a survey from January – February 2020

Is an Online Loan
right for me?

Deciding if you need a loan can be difficult. And it’s even more difficult with less than perfect credit. Here are a few things to consider:

  • Are you confident you will be able to repay the loan?
  • Have you asked friends or family members for help?
  • Does your reason for needing a loan outweigh the total cost of the loan?

If you answered “yes” to any of these questions, we might be able to help with your short-term financial needs.

Types of Online Loans

Installment Loans

Typically a longer term loan repaid over a set amount of time with scheduled payments.

Store Details

Online Loan Requirements

Personal Information

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    Contact Information (phone number, home address)
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    Valid email address
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    Birth date (showing that you meet the minimum age requirement)
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    Identification number (driver’s license, state ID or passport)

Income Information

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    Pay frequency
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    Gross income (before taxes are taken out)
  • Checked
    Net income (after taxes are taken out)
  • Checked
    Employment information

Banking Information

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    Checking account and routing numbers or debit card information
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    Debit card information (required for instant funding)

Why would I need to provide documentation to receive a lending decision?

Sometimes we may ask for more information to verify your identity. We want to make sure someone else isn’t fraudulently applying with your information. We also want to make sure that the loan payments are manageable for your situation, so we may ask for information verifying deposits and income. Here’s why we might ask you for additional documentation.

Security: We may ask you to provide a copy of a valid form of identification to verify and protect your identity. Your security is our top priority, and we want to make sure a fraudster is not applying for a loan with your identity.

Income verification: When we determine maximum loan amounts for each approved application, an important factor is making sure that the loan payments are manageable for your current situation. To do this, we may ask you to provide documentation that verifies your income and deposits.

Online Loans Help Center

Loan Products

  • Payday Loans
  • Installment Loans
  • Payday Loans Online
  • Title Loans
  • Line of Credit
  • Online Loans
  • Cash Advance Loans
  • Fast Cash Loans
  • Loans by Phone
  • Funding Times
  • Payday Advance
  • Short Term Loans

Store Services

Contact Customer Service


Axiom Cardholders

Metropolitan Cardholders

Refer to your card to determine your issuing bank.

© 1997-2020 Speedy Cash. All Rights Reserved. 3527 N Ridge Rd. Wichita, KS 67205

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 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 Department of Financial Protection and Innovation 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.

Google Play is a trademark of Google Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Data rates may apply.