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How Do Speedy Cash Loans Work?

At Speedy Cash, we know the types of hurdles most people have to jump over to get a loan, and we don’t want our Customers to be intimidated by long applications and strict requirements. That’s why we offer easy, consumer-friendly loan products that get our Customers in and out of Speedy Cash stores quickly. We feature payday loans, title loans, personal line of credit loans, and installment loans – all of which are simple to apply for.

Types of Loans from  Speedy Cash

Payday Loans

These loans are designed for Customers who need an advance on their next paycheck. Loans are short term and are the fastest loan option available to our Customers. You’ll need your valid ID, proof of income, and a checking account. Best for emergency cash, such as new tires or an unexpected doctor’s visit.

Title Loans

These loans are designed for Customers who do not wish to base their loan eligibility on income, but rather on the equity they have in their vehicles. You’ll need your clear title, proof of your address, a valid ID, and the vehicle you wish to use as collateral for your loan. Best for people with vehicles that are paid in full and don't want to use their income for loan eligibility.

Installment Loans

These loans are designed for Customers who need to borrow large sums of cash unavailable through our payday loans. Installment loans have longer repayment terms and fixed interest rates. You’ll need a valid ID and proof of your monthly income to apply. Best for people who need to make a large purchase and need extended time for repayment.

Line of Credit

These loans are designed for Customers who may need access to additional funds over a period of time. Personal lines of credit have flexible repayment terms accrue daily interest, and provide access to more cash as you pay down your loan. You’ll need to have a checking account to apply. Best for people need access to cash to manage a monthly budget.

Still Have Questions About  Speedy Cash  Loans?

Apply with Ease

You can start the application process online, by phone or in a Speedy Cash store. There is no appointment necessary for in-store applications, and online applications are accepted 24 hours a day. You can trust Speedy Cash to provide you with excellent service that is compliant with CFSA best practices. Simply complete the application, including information about your job and income. Choose your preferred loan type – selecting from a payday loan, installment loan, title loan, or line of credit. Review is instant, and approvals are usually granted within minutes of applying. The money you borrow is yours to use as you wish, and payments are easily scheduled for automatic ACH withdrawal from your checking account. Early payoff is accepted without penalty, and due date extensions are available to Customers who cannot afford to repay their loans in full on their next pay day.

Get Cash Now!

If you could use some extra money, but aren’t sure if there is a Speedy Cash loan for you, visit one of our stores or call us today to speak with a Speedy Cash representative. We will walk you through the borrowing process from start to finish, and we will work hard to ensure your application and approval time is as quick and easy as possible.

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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.