Introducing Instant Funding to Debit Cards

Online Payday Loans from $50 - $1,500

Need emergency cash? Avoid overdraft charges or high interest rates on credit cards, an online payday loan could help you get the cash you need fast.

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100% Online Application

No need to wait in lines or leave the comfort of your home; apply for a payday loan completely online – no faxing required.

Immediate Lending Decision

Quick Lending Decision

After submitting your online payday loan application and your information is confirmed, you will receive a lending decision.

Instant Funding Options

If approved, you can have funds instantly deposited* to your debit card, an Opt+® card or visit a Speedy Cash store to pick up your cash right away!

*Instant funding to Opt+ subject to system limitations.

Actual Customer Reviews

Online Application Process

1. Apply

2. Review Lending Decision

3. If Approved, Sign Documents

4. Get Cash

5. Repay

Step 1.  ApplyFill out an application for a payday loan online. To get started on your application you’ll need a valid ID, source of income, and checking account information.
Step 2.  Receive a Lending DecisionUpon submitting your application online, we will provide you with a fast lending decision - waiting is a thing of the past.
Step 3.  If Approved, Sign DocumentsIf you’re approved for an online payday loan, you may select a loan amount (up to your approved credit limit), and then sign your documents – directly online!
Step 4.  Get CashChoose from 4 convenient options to receive your money, including direct deposit, instant funding to your dedit card, an Opt+ prepaid debit card*, or cash in store pick up.

*Instant funding to Opt+ subject to system limitations.

Step 5.  RepayPay back your loan principal and finance charges in full on your due date, or as outlined in your loan agreements.

Apply for Your Online Payday Loan Today

Apply now in just minutes to receive a lending decision and choose from a variety of fast funding options with Speedy Cash.

APRs Explained for Online Payday Loans

Before you borrow money, it is important to consider your loan options and how they could fit with your financial situation. You should be aware of online loan interest rates, loan repayment options, and customer service accessibility among other things. Payday loans are often associated with high annual percentage rates (APR). But don’t let a high APR scare you. APR is what you would be paying if you had the loan out for an entire year! Since a typical payday loan is paid off in only a few short weeks, this means that even with a higher APR, you most likely will be paying less than overdraft fees or other penalties associated with negative accounts. APR and rates vary from state to state and lender to lender, so be sure to assess all aspects of your loan options first and not just what looks to be the lowest APR. Sometimes there could be a low APR but significantly higher fees on top of your interest, so you’ll be paying more in the end. Do your research and decide which loan option is the best for your needs.

When it comes to applying for any online loan, don’t be fooled by impressive ads and images – make sure to read all rates and terms when you land on a product you like. Speedy Cash lists your state’s available loans and associated rates and terms to make sure you understand the terms of the loan before entering an agreement.

Online Payday Loan Questions

Q: Why would I need to apply for a payday loan online?

A: Payday loans can be a temporary solution for short-term financial needs. Here are some situations where you might consider a short-term online loan:

Cover urgent bills such as utility bills, rent or food

Help with unexpected expenses such as auto repair or emergency medical expenses

Avoid NSF fees or high interest on credit card purchases

The great part about using our online service is that you can apply for cash 24/7, 7 days a week, 365 days a year! No holiday closings or store hours to worry about. With approval and your dedit card or an Opt+® Visa® prepaid debit card, we instantly* send you your funds. Money emergencies are made easy when you apply for your payday loan online with Speedy Cash.
*Instant funding subject to system limitations.

Q: What cash amount can I borrow?

A: The amount you can borrow and are approved for is based on a number of different factors including your monthly income, credit score, and the maximum amount available in your state. Visit our available loans page to see the maximum loan amount in your state.

The great part about a loan with Speedy Cash is that you get to determine the amount of money you take out, up to your approved amount. We allow you to take any amount from $50 up to your approved limit and anywhere in between. Allowing you to choose your loan amount for your online payday loan ensures you’re getting the exact money you need, when you need it, and you can pay it all off by your next pay day. We don’t encourage overextending yourself and that’s why we want you to have a say in the loan amount you borrow, up to your limit.

Q: What will I need to apply for my payday loan online?

A: You will need the following to apply:

  • Meet minimum age requirements in your state (18 in most states)
  • Open and active checking account
  • Steady source of income
  • Valid ID
  • Valid email address

Additional Questions?

Check out our FAQ page.

Cash for Your Needs

Apply for an online payday loan fast with Speedy Cash. Our convenient and secure online application can be completed in minutes!

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.

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. Installment Title Loans subject to minimum auto value requirements. Speedy Cash offers payday loans up to $255 and installment loans starting at $2,600.

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.

Google Play is a trademark of Google Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Data rates may apply.

Customer Notice:
There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive.