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Virginia Rates & Terms

View example finance charges.

Cash Advanced for 1 Month*

Amount Financed: $250.00
APR**: 360%
Finance Charge: $73.98
Amount Financed: $500.00
APR**: 360%
Finance Charge: $147.95
Amount Financed: $750.00
APR**: 360%
Finance Charge: $221.92

*You will not be charged interest on new cash advances if you pay the entire balance within 25 days after the close of each billing cycle.

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

Cash Advanced for 6 Months

Amount Financed: $250.00
APR**: 360%
Finance Charge: $401.75
Amount Financed: $500.00
APR**: 360%
Finance Charge: $803.50
Amount Financed: $750.00
APR**: 360%
Finance Charge: $1,205.25

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

Cash Advanced for 12 Months

Amount Financed: $250.00
APR**: 360%
Finance Charge: $716.25
Amount Financed: $500.00
APR**: 360%
Finance Charge: $1,432.44
Amount Financed: $750.00
APR**: 360%
Finance Charge: $2,148.67

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

Finance Charges: Your loan payments will be monthly. Your interest ("Finance Charge") each billing cycle equals the sum of the following for each day in the cycle: the daily balance (which includes principal only) times the daily periodic rate (equal to the Annual Percentage Rate divided by 365). However, if you pay the entire balance within 25 days from the close of each billing cycle you will not be charged any interest on new cash advances during that billing cycle. Your minimum payment each billing cycle equals the finance charge, 4% of the outstanding principal, and any past due amount.

The examples show the total Finance Charge over the life of the loan if you borrow the specified Amount Financed in a lump sum, do not borrow any additional amounts and pay the Amount Financed back at the end of the terms shown below. The examples presume that you do not pay the entire balance within 25 days from the close of each billing cycle, and make interest payments monthly.

Our loans are costly. We encourage you to pay more than the minimum payment to reduce interest charges.

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Online Line of Credit Questions

How much money can I borrow?

Virginia residents may be eligible to receive up to $750 with an online line of credit from Speedy Cash.

When will my loan be due?

Your line of credit payments will typically be scheduled each month around your pay dates. 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 anytime (up to your credit limit). As you pay down your principal, you will immediately have access to more cash.

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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 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 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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