Speedy Cash offers three different ways to receive online loan cash.
Let us tell you a little about each of them so that you can decide the best option for you.
Instant Funding†
Speedy Cash is excited to be one of the only online lenders that offers an option to receive your online loan cash instantly. If your debit card qualifies for this option, you will be presented with an Instant Funding to Debit Card option after signing your loan documents online. Be sure to enter your debit card number when filling out your online application to see if your card is eligible for instant funding.
TIP: This is the quickest way to get your money.
Direct Deposit
If you're approved for a loan online through Speedy Cash, we will default to depositing your cash directly to your bank account. If you are eligible for additional funding options, then you will be presented with those options after you sign your loan documents online.
Cash at store pickup
If you're near a Speedy Cash location, then you have the option to pick up cash at a store. Cash at store pick up is available right away, no waiting required! Be sure to bring a photo ID and your confirmation number when picking up your cash.
TIP: This is the quickest way to get CASH in hand (no need for checks or an ATM).
How quickly can I get my cash with Instant Funding†?
min
Most funds are deposited within 15 minutes of loan completion.
Loan completion means that you have been approved for the loan, have signed your documents online, and have selected instant funding as your funding method.
When will I get my cash if I choose Direct Deposit?
The exact time you will receive your direct deposit depends on two key factors: 1) When your loan application is approved, and 2) When your bank posts ACH (Automated Clearing House) credits to your bank account.
Apply & Receive Approval | Receive Funds by |
|---|---|
| Before 7:15 PM CT Mon-Thurs | The Next Business Day |
| Between 7:15 PM CT Thurs & 7:15 PM CT Sun | Monday |
| After 7:15 PM CT Sun | Tuesday |
On banking holidays, your funds will be delayed until the next banking business day. For example, if Monday is a banking holiday, then you will not receive your funds until Tuesday.
If you expected to receive your deposit on a certain day, but do not see the deposit in your bank account, you might want to contact your bank's ACH department.
How it works:
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Online Loans funding questions
There are some restrictions with instant funding to a debit card:
- Providing your debit card during the application process is optional. If you do not provide your debit card in the application, then we will not be able to provide you with the instant funding option. If you’re interested in receiving your online loan cash instantly, then be sure to enter your debit card information on the banking page of the application.
- Not all banks allow instant funding; however, the majority of our Customers’ bank accounts are covered.
- We do have some limits in place. These limits vary by market and by loan type. If your loan amount exceeds our limits within the state, then you will not be presented with the instant funding option. So there will never be a question whether you are eligible for instant funding to your debit card.
For your security, we will ask you a few additional questions to verify your identity. The reason we do this is to make sure that we’re sending money to the right place. Don’t worry, they are basic questions and won’t take you long to complete. Well worth the extra minute to get your cash instantly!
