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Instant Loans

Cash on the
spot. Literally!
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Select your state to see loans and amounts.

Instant Loan options

Emergency? Unexpected bill? You’re in a bind and you don’t need more stress. You need cash NOW. Some other lenders boast quick cash – some in as little as 2 hours – but we offer instant cash loans that are truly instant.

funding to
debit card

Speedy Cash instant funding to debit card means we deposit approved loan funds to your debit card right away. This option is available online and in stores.


No debit card? No problem! You can still apply online and immediately pickup approved cash in a store.

Loans in

If you prefer visiting a Speedy Cash location, we welcome you! Apply in-store for an instant loan and walk out with cash in hand! It’s that easy.

Happy Customers

Actual Customer Testimonials


are satisfied with Instant Funding†*


received their cash in less than one hour*


would choose Instant Funding again*

*Information gathered through an online survey August 2019 – June 2020.

What should I know about instant funding loans before I apply?

Not all instant funding is created equal

Not all lenders offer truly instant funding like Speedy Cash. If you’re approved for a Speedy Cash instant funding loan your money will be transferred to your debit card immediately. But with other lenders, it may take hours or even days before you receive your instant cash. Always read the fine print.

They Might Come with a Short Loan Term

Instant loans could be an option for an emergency, temporary funds shortage, or unexpected need. You’ll have until your next payday to repay your loan, usually a week or two. If you feel you will not be able to repay your loan in time, you may want to look at other options.

The Annual Percentage Rate (APR) may be high

Loans that are referred to as “instant loans” are typically a cash advance or a payday loan. This type of loan usually comes with very high interest rates, so it should be a last resort. APR for short term loans can range from 100% to 900%. In comparison, a credit card typically charges an APR of 20% to 25%. The APR is very high because these short term loans will not accrue charges over a long period of time and will not accrue interest annually. So this high fee is charged over the short period of the loan.

Instant 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

Contact Customer Service


Axiom Cardholders

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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