Payday Loans

Payday loans are small principal, short-term loans that are typically repaid around your next pay day. Did your budget fall short this month leaving you struggling to keep the lights on and food on the table? A Speedy Cash payday loan may be a solution to help keep you afloat until your next pay day.

Actual Speedy Cash customers explain why they choose Speedy Cash for their personal lending needs!

Money When You Need it Most

Get a payday loan fast with Speedy Cash. Apply now in just minutes, and get cash as soon as tomorrow.

Actual Customer Testimonials

Call, Click or Come In to Apply for a Payday Loan

If you're in search of a payday loan, chances are you need cash fast. At Speedy Cash we want to make applying for a payday loan as convenient as possible. That's why we offer multiple ways for you to apply. No matter how you choose to apply, Speedy Cash will always strive to make your payday loan process as easy, fast and friendly as possible.

Apply Online

Online Payday Loans

Apply, receive and pay back payday loans online - all without ever leaving the comfort of your home.
Apply Now

Visit a Store

Payday Loans Near Me

Visit one of our nationwide stores to apply for a payday advance in person.
Find a Store

Apply By Phone

Payday Loan by Phone

If you're on the go, have limited Internet access, or there are no stores around, Speedy Cash has you covered with our Loan by Phone service.
Call 1-888-333-1360 to Apply

Payday Loans from Speedy Cash

Get a payday loan fast with Speedy Cash. Apply online now in just minutes to receive your instant lending decision.

Payday Loan Questions

Q: How much money can I borrow with a payday loan?

A: Loan amounts are determined by your annual salary and wages, and a review of your debt. Each state allows for a different maximum loan amount, see our Rates and Terms pages to see the maximum loan amount in your state.

Q: What do I need to apply for a payday loan?

A: Whether you choose to apply for one of our payday loans online or at a store, you will need to have the following:

Valid ID

Steady source of income

Open and active checking account

Q: Can I change my due date?

A: If you need an extension on your payment, you may be able to change your due date online or on the mobile app. Sign in at or download the mobile app.

Q: When will I have to pay my payday loan back?

A: Payday loans from Speedy Cash are designed to be short-term loans. A payday loan is typically due around your next pay day, which is usually 7-14 days away, depending on your pay schedule. The amount due includes the principal amount you borrowed plus the corresponding finance fees.

Q: When will I receive my money?

A: When you need cash now, this question is probably top of mind! The amount of time it will take to receive your money depends on how you choose to apply, and how you would like to receive your cash. Speedy Cash is proud to offer a number of different funding options so that you can select how to receive your loan funds – including instant payday loan options.

Online Loans

Online Loans

Online payday loans are typically deposited directly into your checking account by the next business day. If you are near a Speedy Cash location, you can also elect to pick up your cash in person same day. And if you have an opt+ prepaid debit card, you can have your funds instantly loaded to your card!

Store Loans

Store Loans

If you're approved for a payday loan at a store, we will give you your cash in person. No waiting, no money orders, and no checks - just cash on the spot!

Loans by Phone

Loans by Phone

Just like an online payday loan, if you apply for a loan by phone, your money is typically deposited into your bank account by the next business day. To learn more about specific funding times, view our funding schedule.

A: Speedy Cash encourages you to only borrow what you can afford to pay back on your next pay day. However, we understand that emergencies happen. If you are unable to repay your loan, give us a call or stop by a store. We may be able to extend your due date, help you refinance your loan, or work out an alternate payment plan.

Q: Why is the payday loan APR so high?

A: Comparing APR to payday loans isn't like comparing apples to apples. APR — or annual percentage rate — takes a look at the interest charged as an annual rate charge. If the loan is repaid on time, as Speedy Cash encourages, loan fees may be cheaper than overdraft fees or non-sufficient funds fees that may be incurred from your bank.


Have more questions?

Visit our FAQ page.

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.

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.

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. 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.

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.