Payday Loans from Speedy Cash
Payday loans are small principal, short term loans or cash advances that are typically repaid around your next payday. 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 payday.
Lending Decision in Minutes
Even when the banks are closed we are here for you. Our 100% online application takes only minutes to fill out, followed by an instant approval decision getting cash in your hands as quick as possible, no faxing or paperwork required.
Instant Funding Option
Get cash instantly deposited into your account with an opt+® Visa® prepaid debit card. Don't have an opt+ prepaid debit card? We can still get cash to you speedy fast – usually within 24 hours.
"I have been so impressed with how quickly things are handled when I come into Speedy Cash. The customer service is fantastic and the ease of transactions are so welcomed compared to the competition! I will definitely use Speedy Cash for all my last minute cash advance needs!"
- Kathryn in Mobile, AL
"Application process, customer service (knowledge and response), and payment options are clear and easy to follow. Instant funding is fantastic. Easy payment features and instant notification is also another plus. You just have the entire process down with pleasant customer service."
- Anthony in San Antonio, TX
"Speedy Cash helps me to stay away from overdrafts between pay days. I can pay my account and immediately re up a new loan. No hassle. The funds can be picked up at many locations or be put directly into your bank account in as little as 24 hours. Great company."
- Dorothy in San Jose, CA
Get a Payday Loan Your Way!
We know that when you're in search of a payday loan, the last thing you want to worry about is driving around town to find a store. At Speedy Cash we take our responsibility to you as a Customer seriously, keeping your best interest in mind. 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.
Online Payday Loans
Apply, receive and pay back payday loans online - all without ever leaving the comfort of your home.
Payday Loans in Stores
Visit one of our nationwide stores to apply for a cash advance in person.
Payday Loan by Phone
If you're on the go with limited Internet access and no stores around, Speedy Cash has you covered with our Loans by Phone service.
How Payday Loans Work
In 6 Simple Steps!
1. Apply for cash
You can apply for payday loans online, over the phone, or in a store in just minutes.
2. Get an instant lending decision
We'll immediately inform you whether your credit application has been approved and if approved, how much credit is available to you.
3. Choose your loan amount
Select your cash advance amount, up to your approved amount.
4. Sign your loan documents
Review your loan terms and sign your loan documents.
5. Get your cash
If you apply in a store, you will get your cash on the spot.
If you apply online, choose to get your cash direct deposited to your checking account, instantly loaded* to your opt+ prepaid card, or pick up your cash at a store.
*Instant funding subject to system limitations.
6. Repay your loan
Your payment will either be automatically processed on your scheduled due date, or you can come into a Speedy Cash location to pay off your loan in cash on – or before – your due date.
Frequently Asked 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 installment loans online or at a store, you will need to have the following:
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. Log in at SpeedyCash.com or download the app today!
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 cash advance 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! Speedy Cash is proud to offer a number of different funding options so that you can select how to receive your payday loan funds.
Online loans are funded the next business day directly into the checking account you provided when applying or if you are near one of our store location you may stop by to pick up your funds in person same day. To learn more, view our funding schedule.
Store loans are funded on the spot allowing you to leave with cash in hand.
Q: What happens if I can't repay my loan on time?
A: Speedy Cash encourages you to only borrow what you can afford to pay back on your next payday. However, we understand that emergencies happen. If you are unable to repay your loan, give us a call or pop into 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.