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Online Payday Loans

Need emergency cash? An online payday loan could help you get the cash you need instantly, if approved. Our online application is quick and encrypted for your security.

Why consider a payday loan online?

100% Online Application

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 appliation and your information is confirmed, you will receive a quick lending decision.

Instant Funding

If approved, you could have cash instantly deposited to your debit card.

Online Application Process

  1. Apply

  2. Receive Lending Decision

  3. Sign Documents

  4. Get Cash

  5. Repay

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

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

Apply now

Payday Loan APRs Explained

You may have heard it before: "The APR on a payday loan is extremely expensive!", "Payday lenders are loan sharks!" At face value, we understand why people might make these comments. The reality is this: They likely haven't been in a situation where they have a less-than-perfect credit score and need cash now.

That's why payday loans exist. For people who don't have access to traditional credit (like a bank loan). For people who can't afford another overdraft fee on their bank account. And for people who are not fortunate to have savings to fall back on.

But back to the topic at hand - APR. Let us explain why a high APR on a payday loan shouldn't scare you...

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). 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 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).

Online Payday Loan Questions

When is a payday loan the right decision?

Payday loans can be a temporary solution for short-term financial needs. The general idea is that the cash you get with a payday loan will simply hold you over until your next payday. Here are some situations where you might consider one:

  • Cover urgent bills such as utility bills, rent or food
  • Help with unexpected expenses such as auto repair or emergency medical expenses
  • Avoid overdraft fees, Non-Sufficient Funds (NSF) fees

If you will be unable to pay back your loan on your next payday, you might consider an Installment Loan or a Line of Credit. These loans allow you to make payments over time. To find out if these loans are available where you live, visit your state's available loans page.

How much cash can I get?

The amount you can borrow 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 amount in your state.

At Speedy Cash, we allow you to borrow any amount from $50 up to your approved limit and anywhere in between. Choosing your loan amount ensures you're getting the exact amount you need - why borrow more when you could limit your finance charges by only borrowing what you need?

What do I need to apply for a payday loan online?

You will need the following to apply:

  • Open and active checking account
  • Steady source of income
  • Valid ID
  • Valid email address
When will I receive my cash?

If approved online, you could get an instant loan with cash instantly deposited to your debit card! If you choose to have your cash direct deposited to your bank account funding times will vary based on the day and time you are approved, but you will generally receive your cash by the next business day.

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.

Did you receive a reservation number in the mail? Click here to get started.

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 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.

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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