Offering financial help
Loans

Lending a helping hand, 25 years and counting - Call, Click, or Come In

By Michelle VanOverloop

A lively fire crackles in the hearth, lending a nostalgic coziness to the entire room. Soft music drifts lazily in the background as the dining room table comes into view: a magnificent feast of holiday delicacies spread on a Pinterest-perfect table setting. Close friends and faraway relatives are all gathered around, eager to join in celebrating together.

Then the commercial ends and the weather channel flickers on your TV screen. Real life comes back to you in full force as you realize the only things spread on your table right now are to-do lists and piles of receipts. We get it! Life can seem hectic and out of control sometimes - even more so around the holidays. With super-stretched budgets and unexpected expenses, you may be in need of extra support. That’s why for the past 25 years and counting, Speedy Cash has sought to provide loan solutions that fit into your routine and financial goals. Read on to find out about all the different ways you can get started!

Go online. Anyplace, anytime

Whether you have a recurring date with your PJ pants or a calendar that’s packed watertight, online loans could be the solution for your schedule. Find answers to your loan questions via our Help Center or research each loan individually. Whether you’re looking for an installment loan, line of credit, title loan or payday loan, you can get the lowdown (loan-down? Nope, too far) on each, how they differ, and find the solution that’s the best fit for you.

Once you’re ready, applying for the available loans online can be as easy as filling out a few forms. Our step-by-step online application walks you through the process of applying for a new loan, including providing things like:

  • Basic identity verification through your SSN and driver’s license or passport
  • Personal information such as mailing address, email address, and phone number
  • Income details like type, amount, and frequency
  • Bank routing information to send your funds, if approved

And that’s it! Once you’ve completed the online application, you’ll receive a lending decision and are on to the next stage of your financial journey. If you’re approved, you’ll receive an email with all the details regarding your loan and can manage your loan via your online portal.

Want to learn more about the Speedy Cash loan process from start to finish? Check out Loan Process as Easy as 1 2 3!

Skip the trip. Call us first

Maybe online research isn’t your jam, or you have some burning questions that only a real-live person can answer. (No sorry, our loan specialists can’t help you with that mysterious mole on your back.) But loans by phone can be a great way to complete your application with a knowledgeable representative there at every step.

Our Customer Service representatives are trained to know the ins and outs of every loan product we offer and often keep tabs on common questions or pitfalls so they can provide you with the most straightforward and stress-free experience. But don’t take our word for it! We reached out to some of our representatives to see what they had to say:

"Being able to help a customer makes me feel I have helped relieve stress for at least one thing. I like being able to help a Customer understand loans."

- Priddy L.

When asked to list some of their favorite aspects of working with Customers, Stephen W. said, “I feel that my friendliness and empathy go a long ways to helping people feel at ease when applying for a loan in a difficult time. People are happy […] to hear a cheerful voice on the other end of the line.”

Already completed your loan application? Customer Service reps are there for you throughout the entire life of your loan. You can always reach out and get help when you need it, no matter how desperate the situation:

"Many Customers oftentimes call in to customer service feeling very distressed regarding a particular event in their lives - when I find solutions for these Customers, whether it's a payment plan, helping the Customer better understand the terms of their loan, or simply providing them the contact info they need, I feel very satisfied in knowing I helped to make their lives just a little bit easier."

- Ashley D.

So pick up the phone! We’re on the line 7 days a week.*

Real people. Real solutions. Come in to chat

Need to see a friendly face instead of just a voice? Feel more secure when you can sit down one-on-one and hash out all the loan details? Looking for any excuse to show off that fresh new outfit? Then chances are you’re thinking, “Is there a loan store near me?” No matter your reason, Speedy Cash is there with hundreds of locations across the nation to provide a personal, knowledgeable loan experience.

Much like our Customer Service representatives, our Store Team is top-notch when it comes to loan support. And beyond that, they’re all about building relationships with our customers:

"I love hearing their stories and learning life lessons from them! I love being able to get on the same level and relate, [whether] it's our kids are struggling in school, sports, crazy family members or they just need a minute to let it out and rant about the world! My absolute favorite is when they come in and have a smile on their face."

- Cora C. (Store Manager - Alabama)

Feeling totally lost or don’t know where to start? That’s where an in-person representative can really shine!

"I make sure the Customers fully understand what our terms and repayment schedule are before signing the contract [and] assure them they are not alone; we all need help at some point. A little compassion goes a long way."

- Jennifer M. (Store Manager - Arizona)

What’s the top thing our Store Team wants you to know? Alma C. (Store Manager - Texas) focuses on “how the loan works. Explaining the terms and fees […] makes [it] easier for Customers to understand the cost of the loan and creates an ethical and transparent environment elevating the possibilities for success.”

If you’re in need of some bright smiles and personalized support, stop by one of our stores. Hugs may or may not be available upon request. And who knows? We may be able to check a few more things off that to-do list of yours while you’re here.

Your loan. Your life

We understand the loan process can feel intimidating. With everything else in your life - especially with the holidays fast approaching - it can seem like there’s no way to get it all done. Bottom line: we’re here for you! With so many ways to apply and get support, we hope Speedy Cash has earned our reputation for providing convenience when it counts.

*Loans by Phone Customer Service hours; Mon-Fri: 8am-9pm CT and Sat-Sun: 9am-4pm CT

About
Michelle VanOverloop
Read More from Michelle VanOverloop
Michelle VanOverloop

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© 2024 Speedy Cash. All Rights Reserved.

Loan Products: Subject to state regulations, eligibility, credit check, underwriting & approval, and meet state database eligibility, where required based on type of lending product requested. All products are not available at all locations. Rates, terms and conditions apply. 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.

Non-Loan Store Services: Rules, restrictions, and fees apply. See store for details.

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 Ohio, Oklahoma, Oregon, or South Carolina. Subject to system limitations. Some restrictions may apply.

∞Cash advances only available up to approved credit limit; some restrictions may apply.

Green Dot: Must be 18 or older to open an account. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Mobile number verification, email address verification and mobile app are required to access all features.

1. Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your Green Dot account to prevent fraud restrictions on the account.

2. Opt-in required. Account must be in good standing and chip-enabled debit card activated to opt-in. Initial and ongoing eligible direct deposits are required for overdraft coverage. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Overdrafts are paid at our discretion. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee.

3. See app for free ATM locations. 1 free in-network withdrawal per calendar month. $3.00 per withdrawal thereafter. $3.00 for out-of-network withdrawals and $1.00 for balance inquiries, plus any fee the ATM owner may charge. Limits apply.

Green Dot® cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. And by Mastercard International Inc. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits. ©2023 Green Dot Bank. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739

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: Company is licensed by the California Department of Financial Protection and Innovation pursuant to California Deferred Deposit Transaction Law, Cal. Fin. Code §23000 et seq.

California: Compañía está autorizada por el Departamento de Protección e Innovación Financiera bajo la ley de Transacciones Depósito Diferidas de California, Cal. Fin. Código § 23000, et seq.

Customers who are California residents may request information from us to know what personal information we may collect, have, or maintain about them and what we do with it per the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). If you are a California resident and wish to make a request under CCPA or CPRA, click on the “Do Not Sell or Share My Personal Information” button or link.

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.

Oregon: Licensed by the Oregon Department of Consumer and Business Services to make Deferred Deposit Loans, NLMS Id. #0267-004-S.

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.