PAYDAY LOANS

Emergency?
We got you.

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Secure a payday loan

Select your state to see loans and amounts.

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INSTANT FUNDING

We are proud to be one of the first online lenders to offer online payday loan funds instantly deposited† to a debit card.

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PROVEN TRACK RECORD

We've been in business since 1997, and we are constantly looking to offer different services to make the payday loan experience better.

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SECURE DATA

Our site is TrustedSite® certified secure, and our security team has 20 industry certifications.

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What is a
Payday Loan?

Speedy Roo has the answer! A payday loan is a small, short-term loan that is due to be paid back (plus a flat fee) the next time you receive a paycheck. Payday Loans - also called cash advances or payday advance loans - are designed to help cover emergency expenses or other financial obligations that might come up between paychecks. Some payday loan websites might sell your information to others, but at Speedy Cash, we won’t do that. Roo gives his word!

As a direct lender*, we handle your loan from beginning to end!

*In Texas, Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party.

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Where can I find Payday Loans near me?

Speedy Cash has over 200 locations across the U.S. Visit us!

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Too busy to come in? Speedy Cash also offers online payday loans so you can apply 100% online, anytime.

How it works

1

APPLY

Online, in a store, or over the phone

1-888-333-1360

2

RECEIVE A QUICK
LENDING DECISION

3

REVIEW AND SIGN YOUR LOAN AGREEMENT

(if approved)

4

GET INSTANT CASH†

On a debit card, in person, or direct deposited within one business day.

5

PAY BACK ON YOUR NEXT PAYDAY

Enroll in AutoPay to make it easy!

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What do I need to apply?

  • Valid government-issued photo ID
  • Working phone number
  • Steady source of income
  • Bank account
Payday Loan  APR explained

You may have heard it before: “The APR on a payday loan is extremely expensive!” We get it, payday loans have a stigma. At face value, we understand why people might make these comments. The reality is this: they likely haven't been in a situation where they have less-than-perfect credit and need cash now.

That's why payday loans exist. For people who don't have access to traditional credit (like a bank loan). For people who can't afford another overdraft fee on their bank account. And for people who are not fortunate to have savings to fall back on.

Let us explain why a high APR on a payday loan shouldn't scare you…

payday loans APR

WHAT IS "APR"?

APR, or annual percentage rate, is an interest rate for a whole year rather than a bi-weekly or monthly rate.

WHY IS IT SO HIGH ON PAYDAY LOANS?

Payday loans are often associated with high annual percentage rates (APR). APR is what you would be paying if you had the loan out for an entire year. But a typical payday loan is meant to be just that — a loan until your next pay date. So typically your loan principal (the amount of cash you borrow) plus finance fees are due to be paid back on your next payday.

THEN HOW IS INTEREST APPLIED?

We love where your head is at! Understanding the interest and fees is important. While it can vary by state and by lender, typically a flat-rate fee is assessed on the amount you borrow. If you refer to the Rates & Terms, this is called a “Finance Charge”.

WHY DO YOU EVEN DISPLAY APR?

Great question! It's a legal requirement. APR is governed by the Truth in Lending Act, which is implemented by the Consumer Financial Protection Bureau (CFPB) in Regulation Z of the Act. It may be easiest to understand the fees by looking at the finance charges (which are often a flat fee on traditional payday loans).

When to consider a Payday Loan

A payday loan is like a band aid — a temporary solution for a short-term need. They are an expensive form of credit and should ONLY be used for emergencies or necessities. Think of them as a last resort.

When a Payday Loan may be a good solution

Consider payday loan
  • Avoid bounced checks and overdraft fees
  • Pay for daily essentials (like groceries, utilities, mortgage/rent, etc.)
  • Unexpected auto and home repairs
  • Other emergency expenses

When a Payday Loan may not be ideal

Consider a payday loan
  • When you need a large amount of money
  • When you need an extended amount of time to pay back the money you borrow
  • When you need to borrow money time and time again
  • Non-essential purchases (such as buying the latest and greatest TV, taking a vacation, or buying holiday gifts)

Alternatives

discover payday loan alternatives
  • Use a credit card
  • Borrow money from your savings account
  • Ask creditors for an extension
  • See if friends or family can help
  • Sell unused personal items for cash

Borrow responsibly

man in plaid shirt
  • Only borrow what you need (even if you are approved for more)
  • Make sure you can afford to pay off the loan on your next payday
  • Only use for emergencies
  • Know the full terms and fees for the loan before signing an agreement

Payday Loans Help Center

Need a little more information before applying?

Before you submit an application for a Payday Loan, visit our Help Center if you have additional questions.

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Related Reading

© 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.