Get Instant Funding to your Debit Card!

InstantPayday Advances from Speedy Cash

If you're in a pinch and you need cash quick, think instant! If approved, have your payday advance cash sent straight to your debit card through instant funding.

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Fast Application

Apply for a payday advance in person
or online in just minutes.
You’ll need a valid ID, source of income
and banking account information.

Trusted Lender since 1997

Speedy Cash has been perfecting
the payday advance process since 1997,
so you know you're in good hands.

Instant Payday Advances

When you need cash quickly, we offer
instant funding straight to your debit card!

Actual Customer Testimonials

Uses for Payday Advances

Did this month’s energy bill catch you by surprise AND (to add to your stress) does your car need repairs? Cash emergencies can be the tipping point in your already stretched too thin budget. For life’s ups and downs, apply for a payday advance from Speedy Cash and these unexpected twists could be a little more tolerable. Payday advances are commonly used for financial emergencies and have a shorter repay schedule. Before you apply, consider if a payday advance works best with your financial situation.

Learn More About Payday Advance Loans

A payday advance, also called a payday loan or cash advance, is a small, short-term loan that is due on or around the borrower’s pay day. Payday advances are designed to help you pay for emergency or unexpected expenses.

The process to get a payday advance varies, depending on where you choose to apply, but the steps are similar:

  • 1. Complete an application
  • 2. Receive a lending decision
  • 3. Sign your loan documents (if approved)
  • 4. Receive your loan funds
  • 5. Repay your loan amount plus finance charges

Speedy Cash offers 3 ways to apply:

To apply for a payday advance you will need to have the following:
  • Valid ID
  • Steady source of income
  • An open and active checking account
Speedy Cash could get you the cash you need – fast! Apply in-store and if approved, walk out with cash in hand. Or apply online and if approved, have your loan funded instantly to your debit card with instant funding.
At Speedy Cash, payday loan amounts range from $50 up to $1,500. The amount that you can borrow depends on a number of different factors that may include your state, credit rating, income and other financial variables.

Payday Advance from Speedy Cash

Apply online now and if approved, get your funds instantly.

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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