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Instant† Loan options
Instant
funding† to
debit card
Store
pickup
Instant†
Loans in
stores
Happy Customers
Actual Customer Testimonials
are satisfied with Instant Funding†*
received their cash in less than one hour*
would choose Instant Funding† again*
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
- Start a loan application online, in a store or over the phone at 1-888-333-1360.
- During the banking information step of the application process, enter your debit card number and expiration date.
- Receive a quick lending decision.
- Select the amount you would like to borrow (up to your approved maximum amount).
- Review and sign your loan agreement.
- If applying online, select Instant Funding to a Debit Card. If applying in a store, tell the representative you would like to receive your loan funds on your debit card.
- Get your cash.
- Complete a loan application online or over the phone at 1-888-333-1360.
- Receive a quick lending decision.
- Select the amount you would like to borrow (up to your approved maximum amount).
- Review and sign your loan agreement.
- Select Cash at Store Pickup (note: this option will only appear if you live within 60 miles of a store).
- You will receive an email with a confirmation number.
- Present your confirmation number and a valid ID at a Speedy Cash.
- Get your cash.