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.

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)

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. Same day funding only available for Opt+ cardholders and in-store pickup. Minimum age to apply in Alabama is 19. A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday advances are not recommended as long-term financial solutions. Customers with credit difficulties should seek consumer credit counseling.

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.

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.

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.