Why consider a payday loan online?
No need to wait in lines or leave the comfort of your home; apply completely online—no faxing required.
Quick Lending Decision
After submitting your online payday loan application and your information is confirmed, you will receive a quick lending decision.
If approved, you can have cash instantly deposited to your debit card†.
Actual Customer Reviews
Online Application Process
2. Receive Lending Decision
3. Sign Documents
4. Get Cash
Why Speedy Cash?
Instant Cash: Unlike most other online lenders, we have options to get your cash instantly. Yes, you read that right—INSTANTLY! Because when you're in a bind, time is of the essence and we don't want to make you wait. We offer the ability to get money instantly deposited to your debit card, or to immediately pick up cold-hard cash at any Speedy Cash location.
Excellent Service Since 1997: Whether you visit us on Trustpilot or Consumer Affairs, you will see that the majority of people who choose Speedy Cash are satisfied! That's an expectation you can have when working with us.
Data Security: Our website is backed by a McAfee SECURE™ certificate and is Norton Secure™ certified so your personal information is safe.
Apply for Your Online Payday Loan Today
What even is "APR"?
APR, or annual percentage rate, is an interest rate stated as a yearly rate.
Now that I understand APR, explain why it's so high on payday loans.
Payday loans are often associated with high annual percentage rates. APR is what you would be paying if you had the loan out for an entire year. But a typical payday loan is meant to be just that—a loan until your next payday. So typically your loan principal (the amount of cash you borrow) plus finance fees are due to be paid back on your next payday (no matter what your payment schedule is).
Then how is interest applied to payday loans?
We love where your head is at! Understanding the fees is important. While it can vary by state and by lender, typically a flat-rate fee is assessed on the amount you borrow.
So why do you even display an APR on a payday loan?
Great question! We have to; it's a legal requirement. But that is why we also display the finance charges. It may be easiest to understand the fees by looking at the finance charges (which are often a flat fee on traditional payday loans).
Need More Information?
We understand that something happened in your life to land you here. You are under some serious financial stress. We know that you want to find a solution very quickly, but we encourage you to make sure you fully understand the details of payday loans before moving forward. We’ve created additional resources to help you with your decision.
If you want to learn more about what a payday loan is and if a payday loan is right for you, we can walk you through the details.
There are a lot of lenders out there, let us explain the differences.
Do you have more questions about payday loans? Visit our dedicated payday loan FAQ page.
To see the finance charges associated with payday loans in your state, visit our rates & terms pages.