PAYDAY LOAN DIRECT LENDERS

Direct* Payday Loans from Speedy Cash

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Direct Lender vs. Non-Direct

Direct lenders manage the entire payday loan process – from beginning to end. They will process your application, fund your loan and take your payment.

With so many lenders all promising to be the best, it’s easy to get overwhelmed when searching for an online payday loan. To help you stay sane in your search for the right lender, we’ve outlined the differences between direct lenders and the other types of lenders.

Direct Lender

  • Checked Collects Personal Information
  • Checked Processes Application
  • Checked Funds Loan
  • Checked Processes Payment

Credit Service Organization and Credit Access Businesses

  • Checked Collects Personal Information
  • Checked Processes Application
  • Cross Checked Funds Loan
  • Checked Processes Payment

Lead Generators

  • Checked Collects Personal Information
  • Cross Checked Processes Application
  • Cross Checked Funds Loan
  • Cross Checked Processes Payment

Select your state to see loans and amounts.

Why use a Direct Lender?

Borrowing from a direct lender

PROTECT YOUR INFORMATION

If you apply for a payday loan on a website that is not a direct lender, your personal information could bounce from lender to lender. The more your information bounces around, the more likely it is to get in the hands of someone you don’t want it to. If you apply with a direct lender, your personal information will stay with that lender, limiting your chances of identity theft.

AVOID CUSTOMER SERVICE CONFUSION

If you apply on a site that isn’t a direct lender, it can be confusing as to who you need to contact for what. With a direct lender, all of your questions and loan inquiries are handled with a single company. No need to hunt down contact information for multiple websites.

QUICK APPLICATION REVIEW

Since you are applying directly with the lender, you will typically receive a quicker lending decision since they are both reviewing your application information and providing you with a decision.

RECEIVE LESS SPAM

When you apply for a payday loan online, there is a chance you could be applying with a lead aggregator. When this happens, your information could be presented to several different lenders / websites. Even though lenders cannot legally communicate with you until they have purchased the lead information, some websites may contact you anyway – which can flood your email inbox. CAUTION! Sometimes these junk emails may include false pre-approvals or verbiage that makes you think you may already be approved. Be sure to review these emails carefully before acting on them.

Getting to know Direct Lenders

Payday Loans from Speedy Cash

When you apply for a loan from Speedy Cash, you're borrowing directly* from us.

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*In Texas, Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party.

© 2025 Speedy Cash. All Rights Reserved.

Loan Products: Subject to state regulations, eligibility, credit check, underwriting & approval, and meet state database eligibility, where required based on type of lending product requested. All products are not available at all locations. Rates, terms and conditions apply. 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.

Non-Loan Store Services: Rules, restrictions, and fees apply. See store for details.

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 Ohio, Oklahoma, Oregon, or South Carolina. Subject to system limitations. Some restrictions may apply.

∞Cash advances only available up to approved credit limit; some restrictions may apply.

Green Dot: Must be 18 or older to open an account. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Mobile number verification, email address verification and mobile app are required to access all features.

1. Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your Green Dot account to prevent fraud restrictions on the account.

2. Opt-in required. Account must be in good standing and chip-enabled debit card activated to opt-in. Initial and ongoing eligible direct deposits are required for overdraft coverage. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Overdrafts are paid at our discretion. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee.

3. See app for free ATM locations. 1 free in-network withdrawal per calendar month. $3.00 per withdrawal thereafter. $3.00 for out-of-network withdrawals and $1.00 for balance inquiries, plus any fee the ATM owner may charge. Limits apply.

Green Dot® cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. And by Mastercard International Inc. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits. ©2023 Green Dot Bank. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739

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: Company is licensed by the California Department of Financial Protection and Innovation pursuant to California Deferred Deposit Transaction Law, Cal. Fin. Code §23000 et seq.

California: Compañía está autorizada por el Departamento de Protección e Innovación Financiera bajo la ley de Transacciones Depósito Diferidas de California, Cal. Fin. Código § 23000, et seq.

Customers who are California residents may request information from us to know what personal information we may collect, have, or maintain about them and what we do with it per the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). If you are a California resident and wish to make a request under CCPA or CPRA, click on the “Do Not Sell or Share My Personal Information” button or link.

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.

Oregon: Licensed by the Oregon Department of Consumer and Business Services to make Deferred Deposit Loans, NLMS Id. #0267-004-S.

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.

If you 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), www.dob.texas.gov.