How Do Online Loans Work?

1
Submit Your Secure Application

We'll ask you a few questions in order to process your application.

2
Accept Your Loan

If you are approved, select how much you would like to borrow & sign your loan documents.

3
Use Your Funds

After accepting your loan, it will be deposited into your account in as little as 24 hours.

Apply Now
No Fax Payday Loans

100% Online

Instant Lending
Decision

Funds as Soon
as Tomorrow

About Online Loans

With Speedy Cash online loans, you don’t have to visit a location or wait in lines - you enter all of your application information directly on our secure website. Once your application is submitted, we immediately give you a lending decision. If approved, you select how much you would like to borrow. Then review and sign your loan documents directly on our website - no faxing required! Choose to have your cash direct deposited to your checking account, instantly loaded* to an opt+ prepaid card, or pick up your cash at a store near you. As your loan comes due, you can also make your payments directly online!

*Instant funding subject to system limitations.

Requirements to Apply for a Loan Online

When applying for a Speedy Cash loan online, you will need the following information:

Personal Information including your phone number, home address, email address, birth date (showing that you meet the minimum age requirement), and identification number
Income Information including your pay frequency, gross (before taxes are taken out) and net income (after taxes are taken out), and employment information
Banking information including your checking account number and routing number, or debit card information

Apply to Get the Money You Need

Speedy Cash offers online loans up to $2,000.

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.

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.

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.

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.

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.