Introducing Instant Funding to Debit Cards

Payday Advances from Speedy Cash

Are you in a pinch and need some cash to help cover some unexpected expenses? A payday advance from Speedy Cash allows you to get a little extra money before your next paycheck. Payday advances are a common type of short-term loan, also called payday loans, and are typically required to be paid back on or around your next pay day.

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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.

Quick Lending Decision

Regardless of where you apply,
you’ll receive a quick lending decision.

Instant Payday Advance Options

When you need cash quickly we
also have instant cash options available.

Speedy Cash Reviews

"Great staff, quick and easy service!"

- Maria H.

"Very good professional service in a timely manner. I will call them in the future if needed. Thanks"

- Jack S.

"Easy online application. Love the option for pick up or direct deposit. Trustworthy company."

- Vantina B.

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 can get you the cash you need – fast! Apply in-store and if approved, walk out with cash in hand. Or apply online which could take up to 24 business hours to get loan funded.
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 get your instant lending decision.

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Product types and maximum loan amounts vary by market. 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.

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.

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. Speedy Cash offers payday loans up to $255 and installment loans starting at $2,600.

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.

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.

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 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.