Get Instant Funding to your Debit Card!

Payday Loans

Get up to $1,500 Cash, Pay Back on Your Next Payday

Apply 100% Online

Emergencies don’t always happen during business hours. Good news; the Internet is always open. Apply online any time - day or night. We’re always online.

Apply Over the Phone

Our bilingual team is happy to help you complete an application over the phone. Call us at 1-888-333-1360. Para Español 1-855-734-0111.

Apply at a Store

Call us old school, but we still believe in face-to-face interaction. If you do too, stop in to apply in person. Maybe our smiling faces will turn your day around.

What are Some Alternatives to Payday Loans?

Payday is not even close and you’re running short on cash - this is not uncommon. A payday advance could be a solution to get you by, but it is an expensive form of credit and should only be used for emergency expenses or necessities. Before you make the decision to apply for a payday loan, you may want to consider these alternatives:

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

How Do Payday Loans Work?

  1. Complete an Application

  2. Receive a Lending Decision

  3. Review and Sign Your Loan Agreement
    *if approved

  4. Get Cash

  5. Pay Back on Your Next Payday

What Makes Speedy Cash Different?

  • Instant Funding

    Seriously, instant. No marketing gimmicks or smoke in mirrors. We are proud to be one of the first online lenders to offer the ability to get online payday loan cash instantly deposited to a debit card. No waiting and no hassle.

  • Lending History

    We’ve been doing this since 1997. We will be completely honest – a lot has changed in that amount of time! We take feedback very seriously, and we are constantly looking to offer different services and make our payday loan experience better.

  • Call, Click, or Come In

    Yep – we said it; you get options! We want to be here however you need us. If you want to hear a friendly voice, call us. If you want to see a smiling face, stop by. If you don’t want to deal with people, go online. The choice is completely yours.

  • Data Security

    Our website is Norton Secure ™ certified and backed by a McAfee SECURE™ certificate so your personal information is safe.

Where Can I Find Payday Loans Near Me?

Speedy Cash has an entire network of stores for you to visit, but you’re also already online - so a payday loan is already near you!

Hear What Our Customers Have to Say

Actual Customer Testimonials

Speedy cash is a perfect name, this was the fastest most convenient loan I’ve ever had worked with. Cash came quicker than expected too. Extremely pleased
Chancellor H of Hawaii
Speedy Cash was Great! They came through for me in a flash! Would recommend to anyone
Glenda E of Virginia
Very professional, very fair. It’s almost like working with family the way they help you.
Arthur A of Kansas

Apply for a Payday Loan Online

You can expect the same easy, fast and friendly experience online as you can expect in our stores!

Apply Now

Payday Loan Questions

What is a payday loan?

A small, short-term loan that is typically under $500. They are usually due to be paid back around the time of your next pay day.

What is the maximum amount I can borrow with a payday loan?

Loan amounts are determined by many factors, including income. Each state allows for a different maximum loan amount, see our Rates and Terms pages to see the maximum loan amount in your state. Please note that payday loans may not be available in your state. But we may offer a payday loan alternative that still fits your needs. Check out your state’s Available Loans page to see what is offered where you live.

Why is the payday loan APR is so high?

We get this question all the time, and the truth is: Comparing APR to payday loans isn't like comparing apples to apples. APR — or annual percentage rate — is the total cost of the loan expressed as an annual rate. 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.

What are the requirements to apply for a payday loan?

You will need to have the following:

  • Valid ID
  • Steady source of income
  • Open and active checking account
  • Working phone number
How soon will I have my money?

When you need cash now, this question is 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. If approved, Speedy Cash is proud to offer a number of different funding options so that you can select how to receive your cash.

If you’re approved online, then we will direct deposit your money to your checking account (money is typically deposited by the next business day) - but you can also choose from other funding options. If you’re near a store, then you can immediately pick up cash in a store. You may also be eligible for instant funding to your debit card.

In Store
If you’re approved at a store, we will give you cash in person. No waiting, no money orders, and no checks - just cash on the spot!

When will I have to pay my loan back?

Payday loans are typically due to be paid back around your next payday, 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.

Can I change my due date?

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.

What should I do if I can't make my payment?

Talk to us! Seriously – we can’t help if we don’t know your current situation. 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 into a new term, or work out an alternate payment plan.

Tell Me More

Ask and you shall receive. We know that you are trying to find a solution ASAP, however we encourage you to be fully informed and confident before moving forward. Here are a few more resources to help you make your decision.

Is a Payday Loan Right for Me?

We don’t want to tell you how to manage your situation, but honestly, there are definitely times when a payday loan is probably not a good idea. Click here to see a few examples of when a payday loan may or may not make sense.

How Exactly Does a Payday Loan Work?

Sometimes a high-level overview just doesn’t do the trick. No worries, we’ve got you covered! Check this page out to get a detailed, step-by-step process of how payday loans work.

Rates and Terms

Wondering how much a payday loan will cost in your state? We break it all down for you on the Rates & Terms page.

What if I Still Have Questions?

We appreciate that you are doing your homework! We’ve done our best to answer the most common questions about payday loans. Take as much time as you need reviewing these on our dedicated FAQs page.

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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