PAYDAY LOANS

Convenient.
Quick. Reliable.

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Secure a payday loan

Select your state to see loans and amounts.

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CONVENIENT

We are 140 locations strong and growing. Plus, we have a team standing by to help you via phone and online lending is available in many states. Choose the option that is most convenient for you.

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QUICK

Simple to complete application processes, swift lending decisions, and fast funding means from start to finish we’re living up to our name: Speedy.

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RELIABLE

We've been meeting our customer’s short-term lending needs since 1997. Choose a Payday Loan from Speedy Cash, and our dedicated service team will work to make the experience hassle-free.

Payday Loan Amounts & Availability

Payday Loans from Speedy Cash are available in multiple states across the US. Loan availability and lending limits vary by state, so double check your state’s limits prior to applying.

ONLINE OR IN-STORE

What is a Payday Loan?

A Payday Loan (also known as a Cash Advance) is a convenient, short-term solution for urgent financial needs. Intended to get you by until your next pay day, Payday Loans are an option when you need to secure funds quickly.

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SECURING A PAYDAY LOAN

After receiving borrowing approval, customers can secure a Payday Loan from Speedy Cash. Payday Loan lending limits and availability can vary depending on a customer’s state of residence. Our Rates & Terms are available for review to ensure borrowers understand the loan agreement and repayment terms before applying. 

REPAYING A PAYDAY LOAN

Payday Loan borrowers are given an expected repayment due date which typically coincides with their next scheduled pay day. Repayment is simple when completed via the convenient Speedy Cash customer portal or in person at the nearest Speedy Cash store. Already have a Payday Loan and not sure you’ll be able to repay on time? Reach out to our team prior to your due date to discuss your options.  

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How to Get a Payday Loan

1

SUBMIT YOUR PAYDAY LOAN APPLICATION

We accept online applications, in-store applications, and in some states we offer LOANBYPHONE.

2

RECEIVE A LOAN DECISION

Our lending decisions are speedy. If approved, you’ll be able to sign your Payday Loan agreement within minutes.

3

GET YOUR FUNDS

Receive funds instantly† via your debit card, have funds directly deposited into your account, or pick up cash in store.

4

REPAY ON OR AROUND YOUR NEXT PAY DAY

Your repayment method will depend on what is available and most convenient for you. Options for repaying your Payday Loan include: debit card repayment, cash payment in store, AutoPay from your bank account, or a post-dated check

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What do I Need to Apply for a Payday Loan?

  • Valid government-issued photo ID
  • Working phone number
  • Proof of a steady source of income
  • Bank account checking and routing numbers

What can a Payday Loan do for me?


The benefits of a Payday Loan include a quick application, rapid lending decisions, and fast funding. These short-term loans are due for repayment on your next pay day and can be used for anything including repairs, bills, and emergencies.

Ready to get started?

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Payday Loans Help Center

Need a little more information before applying for a Payday loan?

Before you submit an application for a Payday Loan, visit our Help Center if you have additional questions. Our goal is to make sure you have all the necessary information to make a decision prior to applying. 

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© 2025 Speedy Cash. All Rights Reserved.

Loan/Pawn Products: To receive a loan, you must meet applicable creditworthiness criteria. Subject to state regulations, eligibility, credit check, underwriting and approval. Must meet state database eligibility, where required. Applicant cannot be an active-duty member of the Military, or a spouse or dependent thereof. Amounts may vary by state, product or based on the results of an ability to repay analysis (where applicable). Rates, terms and conditions apply. All products are not available at all locations. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision. 

Title loans are subject to minimum auto value requirements. See store for details.

Store Services: Rules, restrictions, and fees apply. See store for details. 

†Instant funding is not applicable for all debit cards and is not available in Ohio, Oklahoma, Oregon, or South Carolina. Subject to system limitations. Some restrictions may apply. 

Advances only available up to approved credit limit; restrictions may apply. 

Green Dot: Must be the age of majority in your state of residence (18 or more) to open an account. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Mobile number verification, email address verification and mobile app are required to access all features.

1. Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your Green Dot account to prevent fraud restrictions on the account. 

 2. Opt-in required. Account must have initial eligible direct deposits, must be in good standing and have an activated chip-enabled debit card to opt-in. Ongoing eligible direct deposits and other criteria apply to maintain eligibility for overdraft protection. Only debit card purchase transactions are eligible for overdraft protection and overdrafts are paid at our discretion. We reserve the right to not pay overdrafts. For example, we may not pay overdrafts if the account is not in good standing, or is not receiving ongoing eligible direct deposits, or has too many overdrafts. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee. Overdraft protection is only available on Demand Deposit Accounts that meet eligibility requirements. Log into and refer to your Account Agreement to check feature availability. 

3. See app for free ATM locations. 4 free withdrawals per calendar month, $3.00 per withdrawal thereafter. $3 for out-of-network withdrawals and $.50 for balance inquiries, plus any fee the ATM owner may charge. Limits apply. 

Green Dot® cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. And by Mastercard international Inc. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposited with Green Dot Ban and are aggregated for deposit insurance coverage up to the allowable limits. ©2025 Green Dot Bank. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739 

California: Company is licensed by the California Department of Financial Protection and Innovation pursuant to California Deferred Deposit Transaction Law, Cal. Fin. Code  §23000 et seq.

Louisiana: If you cannot make payment when due, you can ask to enter into an extended payment plan once in a twelve-month period, but the request must be made before payment is due. Should your lender (Speedy Cash) refuse to enter into an extended payment plan upon your request before the due date, contact the Office of Financial Institutions at 1-888-525-9414.

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. Customer with credit difficulties should seek credit counseling before entering into any loan transaction. 

Ohio:  SCIL, Inc. or Speedy Cash, 2312 E Trinity Mills Rd STE 100 Carrollton, TX 75006, license number: ST.760159.000.

Texas: Speedy Cash is registered as a Credit Service Organization and licensed as a Credit Access Business to assist customers in obtaining a loan through an unaffiliated third-party lender. 

Website Copyright:
©2025 Speedy Cash. All rights reserved.
2312 E Trinity Mills Rd, Ste 100, Carrollton TX 75006