ONLINE LOANS

Basics for Borrowing Loans Online

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Select your state to see loans and amounts.

What is an Online Loan

A Speedy Cash Online Loan is a way to borrow money from us through a completely online process. Online Loan applications can be completed on your mobile device or desktop.  After your submission, a lending decision is displayed on your screen and you could have funds in your account as quickly as the same day if approved. Make sure you have the following items on hand for quickest verification: 

  • Banking information including routing and checking account numbers 
  • Government issued identification 
  • Proof of income (this can be verified electronically with banking information) 

Benefits of an Online Loan

  • Apply anywhere you have an internet connection 
  • Accept funding electronically 
  • Skip the trip to the store 
  • Verification online means you won’t have to head home if you forget something, simply pause your application and resume when you’ve located the required information

Types of Speedy Cash Online Loans

person sitting on beanbag couch using a laptop

ONLINE PAYDAY LOAN

A convenient option for managing smaller, unexpected expenses in between pay periods. It provides a fast and straightforward method to access money, and you repay your online loan, along with a small flat fee, when you receive your next paycheck. 

ONLINE LINE OF CREDIT

Provides you with ongoing access to cash up to your approved limit for as long as you need it. You repay the borrowed amounts for your online loan, along with the accumulated interest, in scheduled minimum payments.

However, we encourage you to pay more than the minimum payment to cut down on the amount of interest owed. As you pay off your Online Line of Credit, your credit line will be replenished, and you can continue to borrow from the available funds.

ONLINE INSTALLMENT LOAN

Lets you borrow a larger amount of money than a Payday Loan and you can repay it gradually in fixed, scheduled payments. As you make these payments, your remaining loan amount decreases over time, and you get a fixed interest rate.

Where can I apply for an Online Loan?

Choosing an Online Loan from Speedy Cash is convenient and can be completed from the comfort of your home or anywhere you have an internet connection. The entire process, from application to funding, takes place online. You can apply from your desktop or mobile device, receive a swift lending decision, and accept funding at home or on the go. When you need fast funding, no matter where you are, Speedy Cash has you covered.

Payday Loans Online:

Alabama

Online: $50 - $500

Alaska

Online: $50 - $500

California

Online: $50 - $225

Indiana

Online: $50 - $715

Kansas

Online: $100 - $500

Louisiana

Online: $50 - $300

Mississippi

Online: $100 - $400

Nevada

Online: $100- $500

North Dakota

Online: $50- $500

Oregon

Online: $100 - $425

Tennessee

Online: $50- $3,000

Texas

Online: $50- $3,000

Washington

Online: $100- $500

Wyoming

Online: $50- $200

Installment Loans Online:

Online: $2,100 - $5,000

Mississippi

Online: $50- $1,500

Missouri

Online: $50 - $1,500

Nevada

Online: $50 - $5,000

Ohio

Online: $50 - $500

Oklahoma

Online: $50 - $1,500

South Carolina

Online: $650 - $5,000 

Texas

Online: $50- $3,000

Wisconsin

Online: $50 - $5,000

Line of Credit Loans Online:

Delaware

Online: $50 - $1,500

Idaho

Online: $1 - $1,000

Kansas

Online: $1 - $4,000

Missouri

Online: $1,000 - $5,000

Tennessee

Online: $50 - $4,000 

Utah

Online: $50 - $1,000 

What can I use an Online Loan for?

Deciding if you need a personal loan can be difficult, especially with the uncertainty of getting an online loan with bad credit. Online loans can offer quick financial assistance, with clear-cut fees and various repayment options.

 IN GENERAL, CUSTOMERS OF SPEEDY CASH HAVE REPORTED* UTILIZING LOANS FOR:

  • Everyday bills and utilities -50%
  • Emergencies -32%
  • Major home or car repair -12%
  • Medical bills -7%


*Data collected from a survey from January – February 2020

Safe and Ethical Online Lending

We treat our customers right, and we're a proud member of the  Online Lenders Alliance, whose Code of Conduct and Best Practices align with our values! We invite you to visit our OLA blog, where you can gain insight and access further details!

How do Online Loans work?

1

APPLY ONLINE AND PREPARE YOUR DOCS

You can apply for an online loan from the comfort of your home with just a few clicks! No need to fax, print or visit a store (unless you’d prefer it!). 

2

RECEIVE A LENDING DECISION AND SELECT YOUR AMOUNT

You will receive a quick lending decision, typically in a matter of minutes! Once approved for an online loan, you can select an amount from your approval amount, up to the maximum available.

3

REVIEW AND SIGN YOUR DOCS

Take a moment to go over your loan amount, fees, and repayment schedule for your online loan. Once you're satisfied, you can proceed to accept the terms by digitally signing your loan documents.

4

GET YOUR CASH

Speedy Cash will directly deposit funds from your online loan to your bank account! You could also select Instant Funding† to a debit card or pick up cash in store.

5

REPAYMENT

We’re here to support you! That’s why payments are typically due around your pay dates to make repayment as manageable as possible. You can make a payment toward your online loan anytime by logging in to the customer portal.

What do I need to apply for an Online Loan?

  • Contact Information (phone number, birth date, home address and valid email address)
  • Identification number (driver’s license, state ID or passport)
  • Gross income (before taxes are taken out)
  • Net income (after taxes are taken out)
  • Source(s) of Income
  • Banking information
  • Debit card information (required for instant funding)

Ready to start your financial journey with Speedy Cash?

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Product Loan Help Center

Still have questions about loans online?

We know that online lending can sometimes be complex and stressful, that’s why we strive to be as informative as possible! If you still have questions, we’re happy to assist you!

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© 2026 Speedy Cash. All Rights Reserved.

Loan/Pawn Products: To receive a loan, you must meet applicable creditworthiness criteria. Subject to state regulations, eligibility, credit check, underwriting and approval. Must meet state database eligibility, where required. Applicant cannot be an active-duty member of the Military, or a spouse or dependent thereof. Amounts may vary by state, product or based on the results of an ability to repay analysis (where applicable). Rates, terms and conditions apply. All products are not available at all locations. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision. Advances only available up to approved credit limit; restrictions may apply.

Title loans are subject to minimum auto value requirements. See store for details.

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

†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.

Green Dot: Must be the age of majority in your state of residence (18 or more) 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 have initial eligible direct deposits, must be in good standing and have an activated chip-enabled debit card to opt-in. Ongoing eligible direct deposits and other criteria apply to maintain eligibility for overdraft protection. Only debit card purchase transactions are eligible for overdraft protection and overdrafts are paid at our discretion. We reserve the right to not pay overdrafts. For example, we may not pay overdrafts if the account is not in good standing, or is not receiving ongoing eligible direct deposits, or has too many overdrafts. 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. Overdraft protection is only available on Demand Deposit Accounts that meet eligibility requirements. Log into and refer to your Account Agreement to check feature availability.

3. See app for free ATM locations. 4 free withdrawals per calendar month, $3.00 per withdrawal thereafter. $3 for out-of-network withdrawals and $.50 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 deposited with Green Dot Ban and are aggregated for deposit insurance coverage up to the allowable limits.

Fees, limits, terms, and conditions apply. See store for details

©2026 Green Dot Bank. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739 

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.

Louisiana: If you cannot make payment when due, you can ask to enter into an extended payment plan once in a twelve-month period, but the request must be made before payment is due. Should your lender (Speedy Cash) refuse to enter into an extended payment plan upon your request before the due date, contact the Office of Financial Institutions at 1-888-525-9414.

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. Customer with credit difficulties should seek credit counseling before entering into any loan transaction. 

Ohio:  SCIL, Inc. or Speedy Cash, 2312 E Trinity Mills Rd STE 100 Carrollton, TX 75006, license number: ST.760159.000.

Texas: Speedy Cash is registered as a Credit Service Organization and licensed as a Credit Access Business to assist customers in obtaining a loan through an unaffiliated third-party lender. 

Website Copyright:
©2026 Speedy Cash. All rights reserved.
2312 E Trinity Mills Rd, Ste 100, Carrollton TX 75006