California Rates & Terms

California Speedy Cash loan agreements are governed by the State of California.

View example finance charges.

Advance Amount:
(The amount of credit provided to you on your behalf)
$2,600
Number of Payments: 91
Payment Amount: 91 payments of $138.39
Finance Charge:
(The dollar amount the credit will cost you)
$9,993.49
Total of Payments:
(The amount you will have paid after you have made all payments as scheduled)
$12,593.49
Loan Origination Fee: $75
Late Fee: None
Early Payoff Fee: None
APR**: 135.0052%

**Annual Percentage Rate: The APR is the total cost of your loan expressed as a yearly rate. The above APR is based on example loan terms of 91 installments due over 42 months.

Example of a Bi-Weekly Payment Schedule

Example Loan Amount: $2,600

Example Loan Start Date: 3/13/2017

Number of Payments Payment Amount Payment Due Date
1 $138.39 03/31/2017
2 $138.39 04/14/2017
3 $138.39 04/28/2017
4 $138.39 05/12/2017
5 $138.39 05/26/2017
6 $138.39 06/09/2017
7 $138.39 06/23/2017
8 $138.39 07/07/2017
9 $138.39 07/21/2017
10 $138.39 08/04/2017
11 $138.39 08/18/2017
12 $138.39 09/01/2017
13 $138.39 09/15/2017
14 $138.39 09/29/2017
15 $138.39 10/13/2017
16 $138.39 10/27/2017
17 $138.39 11/10/2017
18 $138.39 11/24/2017
19 $138.39 12/08/2017
20 $138.39 12/22/2017
21 $138.39 01/05/2018
22 $138.39 01/19/2018
23 $138.39 02/02/2018
24 $138.39 02/16/2018
25 $138.39 03/02/2018
26 $138.39 03/16/2018
27 $138.39 03/30/2018
28 $138.39 04/13/2018
29 $138.39 04/27/2018
30 $138.39 05/11/2018
31 $138.39 05/25/2018
32 $138.39 06/08/2018
33 $138.39 06/22/2018
34 $138.39 07/06/2018
35 $138.39 07/20/2018
36 $138.39 08/03/2018
37 $138.39 08/17/2018
38 $138.39 08/31/2018
39 $138.39 09/14/2018
40 $138.39 09/28/2018
41 $138.39 10/12/2018
42 $138.39 10/26/2018
43 $138.39 11/09/2018
44 $138.39 11/23/2018
45 $138.39 12/07/2018
46 $138.39 12/21/2018
47 $138.39 01/04/2019
48 $138.39 01/18/2019
49 $138.39 02/01/2019
50 $138.39 02/15/2019
51 $138.39 03/01/2019
52 $138.39 03/15/2019
53 $138.39 03/29/2019
54 $138.39 04/12/2019
55 $138.39 04/26/2019
56 $138.39 05/10/2019
57 $138.39 05/24/2019
58 $138.39 06/07/2019
59 $138.39 06/21/2019
60 $138.39 07/05/2019
61 $138.39 07/19/2019
62 $138.39 08/02/2019
63 $138.39 08/16/2019
64 $138.39 08/30/2019
65 $138.39 09/13/2019
66 $138.39 09/27/2019
67 $138.39 10/11/2019
68 $138.39 10/25/2019
69 $138.39 11/08/2019
70 $138.39 11/22/2019
71 $138.39 12/06/2019
72 $138.39 12/20/2019
73 $138.39 01/03/2020
74 $138.39 01/17/2020
75 $138.39 01/31/2020
76 $138.39 02/14/2020
77 $138.39 02/28/2020
78 $138.39 03/13/2020
79 $138.39 03/27/2020
80 $138.39 04/10/2020
81 $138.39 04/24/2020
82 $138.39 05/08/2020
83 $138.39 05/22/2020
84 $138.39 06/05/2020
85 $138.39 06/19/2020
86 $138.39 07/03/2020
87 $138.39 07/17/2020
88 $138.39 07/31/2020
89 $138.39 08/14/2020
90 $138.39 08/28/2020
91 $138.39 09/11/2020
See More See Less
Advance Amount:
(The amount of credit provided to you on your behalf)
$2,600
Number of Payments: 42
Payment Amount: 41 payments of $281.03
1 payment of $283.67
Finance Charge:
(The dollar amount the credit will cost you)
$9,205.90
Total of Payments:
(The amount you will have paid after you have made all payments as scheduled)
$11,805.90
Loan Origination Fee: $75
Late Fee: None
Early Payoff Fee: None
APR**: 132.01%

**Annual Percentage Rate: The APR is the total cost of your loan expressed as a yearly rate. The above APR is based on example loan terms of 42 installments due over 42 months.

Example of a Monthly Payment Schedule

Example Loan Amount: $2,600

Example Loan Start Date: 3/13/2017

Number of Payments Payment Amount Payment Due Date
1 $281.03 04/03/2017
2 $281.03 05/03/2017
3 $281.03 06/03/2017
4 $281.03 07/03/2017
5 $281.03 08/03/2017
6 $281.03 09/03/2017
7 $281.03 10/03/2017
8 $281.03 11/03/2017
9 $281.03 12/03/2017
10 $281.03 01/03/2018
11 $281.03 02/03/2018
12 $281.03 03/03/2018
13 $281.03 04/03/2018
14 $281.03 05/03/2018
15 $281.03 06/03/2018
16 $281.03 07/03/2018
17 $281.03 08/03/2018
18 $281.03 09/03/2018
19 $281.03 10/03/2018
20 $281.03 11/03/2018
21 $281.03 12/03/2018
22 $281.03 01/03/2019
23 $281.03 02/03/2019
24 $281.03 03/03/2019
25 $281.03 04/03/2019
26 $281.03 05/03/2019
27 $281.03 06/03/2019
28 $281.03 07/03/2019
29 $281.03 08/03/2019
30 $281.03 09/03/2019
31 $281.03 10/03/2019
32 $281.03 11/03/2019
33 $281.03 12/03/2019
34 $281.03 01/03/2020
35 $281.03 02/03/2020
36 $281.03 03/03/2020
37 $281.03 04/03/2020
38 $281.03 05/03/2020
39 $281.03 06/03/2020
40 $281.03 07/03/2020
41 $281.03 08/03/2020
42 $283.67 09/03/2020
See More See Less

Apply Online 24/7

Online Express Installment Loan Questions

How much money can I get?

California residents may be eligible to receive $2,600 with an online Express Installment Loan from Speedy Cash.

When will my loan be due?

Payment frequency will be based on your pay cycle.

How much will my loan cost?

The loan has a $75 loan origination fee, and accrues daily interest (APRs vary based off of payment schedule and will vary; see above example as reference) for the amount of time you borrow the money. The daily interest will start upon your effective date and will be spread across the life of your loan.

What if I do not need the full $2,600?

Speedy Cash does not make consumer installment loans of less than $2,600 to California residents. Licensed finance lenders are permitted to make smaller installment loans, but Speedy Cash chooses not to do so. If you want an installment loan of less than $2,600, you may wish to seek a loan from another lender. Speedy Cash does not refer borrowers to other consumer finance lenders; you can find a list of licensed lenders by visiting California Department of Business Oversight.

The loan has a $75 loan origination fee, and accrues daily interest (APRs vary based off of payment schedule and will vary; see above example as reference) for the amount of time you borrow the money. The daily interest will start upon your effective date and will be spread across the life of your loan.


Pre-Consummation Disclosures for California Installment Loans

  1. Speedy Cash does not make consumer installment loans of less than $2,600 to California residents. California law limits the interest rate that can be charged for consumer installment loans of less than $2,500 to about 30 percent. California law does not limit the interest rate that can be charged for loans of $2,500 or more. While it is lawful for licensed finance lenders to make installment loans smaller than $2,500, Speedy Cash chooses not to do so.
  2. If you do not intend to borrow at least $2,600, then you may wish to seek an installment loan from another lender. Speedy Cash does not refer borrowers to specific lenders. You may obtain a list of licensed lenders from the web site of the California Department of Business Oversight.
  3. We will not make a loan to you unless you represent in writing at the time of loan consummation that:
    • (a)   You have a bona fide need for an installment loan in an amount of at least $2,600, and intend to obtain a loan of at least $2,600;
    • (b)   You have no intention to make a substantial payment shortly after disbursement of your loan proceeds (prepayment) that would reduce the principal amount of your loan to under $2500;
    • (c)   You have not applied for or requested a loan of less than $2,600;
    • (d)   You have not given Speedy Cash any oral or other notice, prior to loan application, of your need for a loan of less than $2,600; and
    • (e)   Neither you nor Speedy Cash has any prearrangement or understanding, or has engaged in any discussions that may be deemed a prearrangement or understanding under applicable California law, regarding the prepayment of the loan.
    • These representations will be contained in your loan agreement. Speedy Cash and its regulators will be entitled to rely on these representations made by you.
  4. Speedy Cash and its regulators shall be conclusively entitled to presume that any payment made shortly after disbursement of your loan proceeds was not made pursuant to a prearrangement or understanding entered into prior to the time of loan application.

California Speedy Cash loan agreements are governed by the State of California.

View example finance charges.

Advance Amount:
(amount financed)
$100
Finance Charge:
(cost of loan)
*Assuming all payments
are made as scheduled
$17.65
Check Amount:
(principal plus finance charges)
$117.65
APR**: 460.16% APR for a 14-day loan term
214.74% APR for a 30-day loan term
Advance Amount:
(amount financed)
$150.00
Finance Charge:
(cost of loan)
*Assuming all payments
are made as scheduled
$26.48
Check Amount:
(principal plus finance charges)
$176.48
APR**: 460.16% APR for a 14-day loan term
214.74% APR for a 30-day loan term
Advance Amount:
(amount financed)
$200.00
Finance Charge:
(cost of loan)
*Assuming all payments
are made as scheduled
$35.30
Check Amount:
(principal plus finance charges)
$235.30
APR**: 460.16% APR for a 14-day loan term
214.74% APR for a 30-day loan term
Advance Amount:
(amount financed)
$255.00
Finance Charge:
(cost of loan)
*Assuming all payments
are made as scheduled
$45.00
Check Amount:
(principal plus finance charges)
$300.00
APR**: 460.16% APR for a 14-day loan term
214.74% APR for a 30-day loan term

**Annual Percentage Rate: The APR is the total cost of your loan expressed as a yearly rate. The above APRs are based on example loan terms of one payment ("Check Amount") due in 14 or 30 days. The APR will increase if the actual loan term is shorter than these examples, and will decrease if your loan term is longer.

Apply Online 24/7

Online Payday Loan Questions

How much money can I get?

Residents of California may be eligible to receive up to $255 with an online payday loan from Speedy Cash.

When will I have to pay back my loan?

A payday loan is only meant to satisfy your short-term cash needs and will be due to be paid back on your next pay day.

Can I get an extension on my loan?

In accordance with California law, your loan must be paid in full on your due date. If you find yourself in need of more money, you may re-apply once your previous balance in paid in full.

No criminal prosecution: You cannot be prosecuted or threatened with prosecution in a criminal action for a returned check in connection with a deferred deposit transaction.

Returned check charge: If, after deposit, your check is returned to us unpaid, you will be charged a one-time returned check charge of $15.

California Department of Business Oversight Brochure (English)

Folleto del Departamento de California de Supervisión de Empresas (Español)

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.

Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Installment 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. Same day funding only available for Opt+ cardholders and in-store pickup. Minimum age to apply in Alabama is 19.

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.

In 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 business as an authorized delegate of Western Union Financial Services, Inc. under Chapter 151 of the Texas Finance Code. Speedy Cash engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. and Western Union Financial Services under Chapter 151 of the Texas Finance Code.

In Ohio, SCIL, Inc. dba Speedy Cash, is a registered Ohio Credit Services Organization (CS.900174.000) operating pursuant to the Ohio Credit Services Organization Act. The actual lender is an unaffiliated third party. The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.

CA: 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.

New Mexico: This lender 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 http://www.rld.state.nm.us/financialinstitutions/.

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.

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.

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: Free 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.