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Payday Loans

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Select your state to see loans and amounts.

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Instant Funding
We are proud to be one of the first online lenders to offer online payday loan funds instantly deposited to a debit card.

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Proven Track Record
We've been in business since 1997, and we are constantly looking to offer different services to make the payday loan experience better.

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What is a Payday Loan?

Speedy Roo has the answer! A payday loan is a small, short-term loan that is due to be paid back (plus a flat fee) the next time you receive a paycheck. Payday Loans - also called cash advances or payday advance loans - are designed to help cover emergency expenses or other financial obligations that might come up between paychecks. Some payday loan websites might sell your information to others, but at Speedy Cash, we won’t do that. Roo gives his word!

As a direct lender*, we handle your loan from beginning to end!

*In Texas, Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party.

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Where can I find Payday Loans near me?

Speedy Cash has over 200 locations across the U.S. Visit us!

find a store

Too busy to come in? Speedy Cash also offers online payday loans so you can apply 100% online, anytime.

How it works:


Online, in a store, or over the phone


Receive a quick lending decision


Review and sign your loan agreement
(if approved)


Get instant cash
On a debit card, in person, or direct deposited within one business day.


Pay back on your next payday
Enroll in AutoPay to make it easy!
apply now

What do I need to apply?

  • Valid government-issued photo ID
  • Working phone number
  • Steady source of income
  • Bank account

Payday Loan APR explained

You may have heard it before: “The APR on a payday loan is extremely expensive!” We get it, payday loans have a stigma. At face value, we understand why people might make these comments. The reality is this: they likely haven't been in a situation where they have less-than-perfect credit and need cash now.

That's why payday loans exist. For people who don't have access to traditional credit (like a bank loan). For people who can't afford another overdraft fee on their bank account. And for people who are not fortunate to have savings to fall back on.

Let us explain why a high APR on a payday loan shouldn't scare you…

What is "APR"?

APR, or annual percentage rate, is an interest rate for a whole year rather than a bi-weekly or monthly rate.

Why is it so high on Payday Loans?

Payday loans are often associated with high annual percentage rates (APR). APR is what you would be paying if you had the loan out for an entire year. But a typical payday loan is meant to be just that — a loan until your next pay date. So typically your loan principal (the amount of cash you borrow) plus finance fees are due to be paid back on your next payday.

Then How Is Interest Applied?

We love where your head is at! Understanding the interest and fees is important. While it can vary by state and by lender, typically a flat-rate fee is assessed on the amount you borrow. If you refer to the Rates & Terms, this is called a “Finance Charge”.

Why do you even display APR?

Great question! It's a legal requirement. APR is governed by the Truth in Lending Act, which is implemented by the Consumer Financial Protection Bureau (CFPB) in Regulation Z of the Act. It may be easiest to understand the fees by looking at the finance charges (which are often a flat fee on traditional payday loans).

When to consider a Payday Loan

A payday loan is like a band aid — a temporary solution for a short-term need. They are an expensive form of credit and should ONLY be used for emergencies or necessities. Think of them as a last resort.

When a Payday
Loan may be a
good solution

  • Avoid bounced checks and overdraft fees
  • Pay for daily essentials (like groceries, utilities, mortgage/rent, etc.)
  • Unexpected auto and home repairs
  • Other emergency expenses

When a Payday
Loan may not
be ideal

  • When you need a large amount of money
  • When you need an extended amount of time to pay back the money you borrow
  • When you need to borrow money time and time again
  • Non-essential purchases (such as buying the latest and greatest TV, taking a vacation, or buying holiday gifts)


  • Use a credit card
  • Borrow money from your savings account
  • Ask creditors for an extension
  • See if friends or family can help
  • Sell unused personal items for cash


  • Only borrow what you need (even if you are approved for more)
  • Make sure you can afford to pay off the loan on your next payday
  • Only use for emergencies
  • Know the full terms and fees for the loan before signing an agreement

Payday Loans Help Center

Loan Products

  • Payday Loans
  • Installment Loans
  • Payday Loans Online
  • Title Loans
  • Line of Credit
  • Online Loans
  • Cash Advance Loans
  • Fast Cash Loans
  • Loans by Phone
  • Funding Times
  • Payday Advance
  • Short Term Loans

Store Services

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Metropolitan Cardholders

Refer to your card to determine your issuing bank.

© 1997-2021 Speedy Cash. All Rights Reserved. 3615 N Ridge Rd. Wichita, KS 67205

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 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 Department of Financial Protection and Innovation 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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