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Missouri Rates & Terms

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

View example finance charges.

Advance Amount:
(the amount of credit provided to you):
$300
Number of Payments: 39
Payment Schedule: 38 bi-weekly payments in the amount of $46.10; final bi-weekly payment in the amount of 37.51
Finance Charge:
(the dollar amount the credit will cost you)
$1,489.31
Total of Payments:
(the amount you will have paid after you have made all payments as scheduled)
$1,789.31
Late Fee: None
Early Payoff Fee: None
APR**: 428.821%

The above APR is based on example loan terms of 39 installments due over 18 months.

**Annual Percentage Rate: The APR is the total cost of your loan expressed as a yearly rate.

Example Bi-Weekly Payment Schedule

Example Loan Amount: $300.00

Example Loan Start Date: 1/5/2016

Number of Payments Payment Amount Payment Due Date
1 $46.10 01/12/2016
2 $46.10 01/26/2016
3 $46.10 02/09/2016
4 $46.10 02/23/2016
5 $46.10 03/08/2016
6 $46.10 03/22/2016
7 $46.10 04/05/2016
8 $46.10 04/19/2016
9 $46.10 05/03/2016
10 $46.10 05/17/2016
11 $46.10 05/31/2016
12 $46.10 06/14/2016
13 $46.10 06/28/2016
14 $46.10 07/12/2016
15 $46.10 07/26/2016
16 $46.10 08/09/2016
17 $46.10 08/23/2016
18 $46.10 09/06/2016
19 $46.10 09/20/2016
20 $46.10 10/04/2016
21 $46.10 10/18/2016
22 $46.10 11/01/2016
23 $46.10 11/15/2016
24 $46.10 11/29/2016
25 $46.10 12/13/2016
26 $46.10 12/27/2016
27 $46.10 01/10/2017
28 $46.10 01/24/2017
29 $46.10 02/07/2017
30 $46.10 02/21/2017
31 $46.10 03/07/2017
32 $46.10 03/21/2017
33 $46.10 04/04/2017
34 $46.10 04/18/2017
35 $46.10 05/02/2017
36 $46.10 05/16/2017
37 $46.10 05/30/2017
38 $46.10 06/13/2017
39 $37.51 Est. 06/27/2017
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Advance Amount:
(the amount of credit provided to you):
$1,000
Number of Payments: 18
Payment Schedule: 17 monthly payments in the amount of $173.58; final monthly payment in the amount of $173.28
Finance Charge:
(the dollar amount the credit will cost you)
$2,124.14
Total of Payments:
(the amount you will have paid after you have made all payments as scheduled)
$3,124.14
Late Fee: None
Early Payoff Fee: None
APR**: 198.884%

**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 18 installments due over 18 months.

Example Monthly Payment Schedule

Example Loan Amount: $1,000.00

Example Loan Start Date: 7/6/2017

Number of Payments Payment Amount Payment Due Date
1 $173.58 08/01/2017
2 $173.58 09/01/2017
3 $173.58 10/01/2017
4 $173.58 11/01/2017
5 $173.58 12/01/2017
6 $173.58 01/01/2018
7 $173.58 02/01/2018
8 $173.58 03/01/2018
9 $173.58 04/01/2018
10 $173.58 05/01/2018
11 $173.58 06/01/2018
12 $173.58 07/01/2018
13 $173.58 08/01/2018
14 $173.58 09/01/2018
15 $173.58 10/01/2018
16 $173.58 11/01/2018
17 $173.58 12/01/2018
18 $173.28 Est. 01/01/2019
See More See Less

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Online Installment Loan Questions

How much money can I borrow?

Missouri residents may be eligible to receive up to $5,000 with an online installment loan from Speedy Cash. As a new borrower to Speedy Cash, the maximum loan amount you can borrow on your first loan is $750. If you repay your installment loan early or as scheduled, you may be eligible for a larger loan amount the next time you need an installment loan from Speedy Cash.

How much will my loan cost?

Installment loans accrue daily interest. That means you only pay for the time you use your loan. Speedy Cash encourages you to pay off your loan early if possible to save on interest ! Please note that the APR and repayment amount will vary depending on the length and dollar amount of your loan.

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

View example finance charges.

Cash Advanced for 7 Days

Advance Amount: $1,000.00
Total Days with Balance: 7
Total Finance Charge:
*Assuming all payments
are made as scheduled
$38.16
Minimum Payment Due: $20
Pay in Full Amount: $1,038.16
APR** for Cash Advances: 199%
Advance Amount: $3,000.00
Total Days with Balance: 7
Total Finance Charge:
*Assuming all payments
are made as scheduled
$114.49
Minimum Payment Due: $60
Pay in Full Amount: $3,114.49
APR** for Cash Advances: 199%
Advance Amount: $5,000.00
Total Days with Balance: 7
Total Finance Charge:
*Assuming all payments
are made as scheduled
$190.82
Minimum Payment Due: $100
Pay in Full Amount: $5,190.82
APR** for Cash Advances: 199%

**Annual Percentage Rate: The APR is the total cost of your loan expressed as a yearly rate.

Cash Advanced for 14 Days

Advance Amount: $1,000.00
Total Days with Balance: 14
Total Finance Charge:
*Assuming all payments
are made as scheduled
$76.33
Minimum Payment Due: $20
Pay in Full Amount: $1,076.33
APR** for Cash Advances: 199%
Advance Amount: $3,000.00
Total Days with Balance: 14
Total Finance Charge:
*Assuming all payments
are made as scheduled
$228.99
Minimum Payment Due: $60
Pay in Full Amount: $3,228.99
APR** for Cash Advances: 199%
Advance Amount: $5,000.00
Total Days with Balance: 14
Total Finance Charge:
*Assuming all payments
are made as scheduled
$381.64
Minimum Payment Due: $100
Pay in Full Amount: $5,381.64
APR** for Cash Advances: 199%

**Annual Percentage Rate: The APR is the total cost of your loan expressed as a yearly rate.

Cash Advanced for 30 Days

Advance Amount: $1,000.00
Total Days with Balance: 30
Total Finance Charge:
*Assuming all payments
are made as scheduled
$163.56
Minimum Payment Due: 40
Pay in Full Amount: $1,163.56
APR** for Cash Advances: 199%
Advance Amount: $3,000.00
Total Days with Balance: 30
Total Finance Charge:
*Assuming all payments
are made as scheduled
$490.68
Minimum Payment Due: $120
Pay in Full Amount: $3,490.68
APR** for Cash Advances: 199%
Advance Amount: $5,000.00
Total Days with Balance: 30
Total Finance Charge:
*Assuming all payments
are made as scheduled
$817.81
Minimum Payment Due: $200
Pay in Full Amount: $5,817.81
APR** for Cash Advances: 199%

**Annual Percentage Rate: The APR is the total cost of your loan expressed as a yearly rate.

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Online Line of Credit Questions

How much money can I borrow?

Missouri residents may be eligible to receive between $1,000 and $5,000 with an online personal line of credit loan from Speedy Cash.

When will my payments be due?

Your line of credit payments will typically be scheduled around your pay days; either bi-weekly, bi-monthly, or monthly. With each payment, you have the option to pay only the minimum amount due, or you can pay an additional amount to pay down your balance quicker.

How can I get more cash?

A line of credit is flexible, so as long as your loan is active you will be able to withdraw funds against your line of credit (up to your credit limit). As you pay down your principal balance, you will have access to cash by signing into your online Speedy Cash account and selecting Get Cash Advance.

How does a line of credit work?

A line of credit loan puts you in control of how you borrow. If approved, you may choose to borrow the full credit amount or use as much or as little of your available credit, when and if you need it. Here's an overview of how the process works:

  1. Complete an application online, over the phone or at a store
  2. Receive a lending decision
  3. If approved, select how much you would like to borrow (up to your maximum approval amount)
  4. Review and sign your loan documents
  5. Get your cash
  6. Access available credit by getting additional cash advances (up to your credit limit)
  7. Make scheduled loan payments (you can make additional payments if you'd like to save on interest)
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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 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 Department of Financial Protection and Innovation 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 http://www.rld.state.nm.us/financialinstitutions/.

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), www.dob.texas.gov.

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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