HELP CENTER
Payday Loans FAQs
A Payday Loan allows you to borrow money to be repaid on your next pay day. If you need a small sum of money until your next paycheck, a Payday Loan may be for you. Payday Loans allow you to avoid late fees for rent, credit cards, and the likes. These loans are designed to cover short-term financial obligations, and are not intended to be a long-term financial solution.
- Complete an application online, in-store, or over the phone where available.
- Receive a quick lending decision.
- If approved, review and sign your loan documents.
- Receive your funds.
- Make your scheduled loan payment
Anyone who meets the application requirements is eligible to apply for a Payday Loan.
To apply for a Payday Loan you will need:
- To be at least 18 years old
- A valid ID and phone number
- A steady source of income
- An open checking account
The state you reside in and the lender you are borrowing from are determining factors in the number of Payday Loans you can receive. Visit our rates and terms page to see how many Speedy Cash Payday Loans you may be eligible to receive in your state.
Depending on how you choose to apply, how long it takes to receive your funds may vary. If applying online, you will typically have your funds deposited into your account by the next business day. If applying at a Payday Loan store, they will typically give you cash right away.
Speedy Cash offers alternate funding options that other payday lenders may not, including:
- Receiving cash from a store when applying online.
- Direct deposit to your banking account.
Yes, many Payday lenders offer the ability to apply for Payday Loans online, including Speedy Cash. Check to see if your state offers Payday Loans online by visiting your state’s rates and terms page.
Options for paying back your loan vary based on how you choose to apply.
Contact Speedy Cash to let them know of your financial hardship. In most cases, we’ll be willing to work with you to make alternate payment arrangements.
Here at Speedy Cash, we acknowledge the difficulties associated with bad credit. Based on your ability to repay the loan and your income, you may qualify for a Payday Loan regardless of bad credit.
We offer INSTANT funding to a debit card for eligible Customers! If you prefer to get cash, apply online and, if approved, pick up your cash in person at a nearby store. No waiting, no money orders, and no checks—just cash on the spot! We also offer direct deposit to your bank account (typically by the next business day—availability depends on your bank).