Online Loans from Speedy Cash

Flexible loan options

Quick lending decision

Fast funding, if approved

Get Started

Loans Online 100%, 24/7

Speedy Cash provides loans completely online! No need to beat store hours, visit a physical location or fax in any documentation. Apply for your loan online anytime, anywhere from our website or through the Speedy Cash App.

Multiple Funding Methods

If approved, you’re in control of the way you receive your online loan funds. Have them deposited in your bank account as early as today, pick them up at a Speedy Cash store, or have them instantly deposited* to your Opt+® Visa® prepaid debit card.
*Instant funding to Opt+ subject to system limitations.

Secure Online Application

The online loan application through the Speedy Cash website is backed by a McAfee SECURE™ certificate and is Norton Secure™ certified. We want your application process to not only be easy and convenient, but also leave you feeling safe and secure.

Loans Anytime, Anywhere

We are passionate about helping those who find themselves in a tight situation, no matter when or where. 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. Fast loans you can apply for online with Speedy Cash could provide you with a cash advance when you need it most.

Actual Customer Testimonials

Online Loans Offered by Speedy Cash

We offer various online lending options to fit your specific needs.

Payday Loans

Usually pay a flat fee

Typically due on your next pay day

Installment Loans

Daily interest

Pay loan back over time

Line of Credit Loans

Accrues daily interest

Repay loan over time

Get cash advances up
to your credit limit

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

Applying for a Loan Online

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 and usually a higher approval amount than a payday loan. Your repayment period is based on set monthly payments, or installments, that provide you an end date for paying off the loan if you follow the repayment schedule. The best part is, your interest rate won’t go up throughout the lifetime of the loan and there are no fees for paying off the loan early! At Speedy Cash, we believe our Customers have enough other cost of living expenses to worry about, and you shouldn’t have to worry about extra unexpected fees from your loans.

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!

How Do Online Loans from Speedy Cash Work?

1. Apply

We’re so glad you’ve chosen Speedy Cash. We offer a streamlined application process that can be completed within minutes from our website or mobile app! Have questions about the application? Give us a call!

2. Receive Lending Decision

We know you need your cash fast, so we promise your lending decision will be brought to you almost instantaneously after you complete the application – no wait, no hassle, and no stress! Pretty cool, right?

3. Select Loan Amount

If approved, your money is waiting! You have the choice to take the entire amount of your approved loan down to as little as $50, and any number in between. With Speedy Cash, the choice is always yours.

4. Sign Your Documents

You’re almost there! Go ahead and sign your loan documents. We know you’re ready for your cash, but be sure to read all of the attached paperwork with specific criteria from your State and other loan agreements.

5. Receive Your Cash

Alright, your cash is coming as soon as tomorrow (or immediately* with the Opt+ Visa prepaid debit card)! You can breathe again! Now pay those bills or take care of those unexpected expenses, stress-free.
*Instant funding to Opt+ subject to system limitations.

6. Convenient Repayment Options

It’s payday again! Yahoo! Now you’re able to pay off or make payments toward your loan! Just remember that you are always only one click away from fast cash with Speedy Cash online loans!

Online Loan Questions

As they say, knowledge is power, so we want to make sure our Customers feel completely informed about the kind of loan decision they are going to make. Take a look at our quick answer online loan FAQs below. Need more detail? Give us a call or pop into one of our many locations and one of our skilled Representatives will gladly give you more information on loans offered near you.

Q: What kind of online loans does Speedy Cash offer?

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 rates and terms pages for information about loans offered in your state.

Q: What online loans are available in my state?

A: 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.

Q: If I’m approved for a cash advance online, when will I get my cash?

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

Q: Can I get approved today?

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

Q: How is my private information protected?

A: Your information is encrypted on our website. We use security measures that are continually tested and certified by McAfee SECURE.

Still can’t find what you’re looking for?

Stop by our FAQ page to learn more about online loans.

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. Some applications may require additional verification, which can delay the lending decision. Same day funding only available for Opt+ cardholders and in-store pickup.

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. Installment Title Loans subject to minimum auto value requirements.

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

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.

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 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.

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.

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.