Loans by Phone up to $2,000

When you find yourself in a cash emergency, and you're not near a store and don't have internet access, Speedy Cash is here to help with loans by phone.

*In Texas, Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party. In Ohio, SCIL, Inc. dba Speedy Cash, is a registered Ohio Credit Services Organization (CS.900174.000) operating pursuant to the Ohio Credit Services Organization Act. The actual lender is an unaffiliated third party.

Loans by Phone from Speedy Cash

With Speedy Cash, you have options. We offer a variety of loans by phone, depending on your state, each designed to help you with your current financial situation.

Payday Loans

A payday loan is meant to be a cash advance on your next pay check. Typically, the amount you borrow - plus fees - is paid back on your next pay day.

Installment Loans

An installment loan is paid back with multiple fixed payments over a set period of time. Instead of a flat fee like a payday loan, an installment loan will accrue interest daily until your loan balance is paid in full.

Line of Credit Loans

A line of credit loan is different from other cash loans. With a line of credit, you're approved for a credit limit and you can access your available credit at any time. Interest is typically charged daily, so it's best to only borrow what you need at the time. A line of credit remains available to you even after you pay it off for up to a year, making it quick and easy to get cash should you need it again.

Loan by Phone Questions

Q: What if I don't have internet access; how do I sign my loan documents?

A: Speedy Cash offers different options to sign your loan documents. You can sign your loan documents by signing into your account online or via the Speedy Cash mobile app. If you don't have access to the Internet or a smart phone, then we can fax your loan documents. We also have the option to email them. No matter which option works best for you, Speedy Cash is happy to accommodate.

Q: What loans does Speedy Cash offer over the phone?

A: Speedy Cash offers payday loans, installment loans and line of credit loans. Loan availability varies by state. To see what loans are offered in your state, view the available loans page.

Q: What do I need to apply?

A: To apply, you will need:

  • A steady source of income
  • A valid ID showing that you meet minimum age requirements
  • An active checking account

During the application process, we will collect information about your income, your checking account and routing numbers, and basic personal information (including your Social Security Number, phone number, address and birth date).

FAQs

Have more questions?

Visit our FAQ page.

Customer Notice:
There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive.

Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Installment title loans subject to minimum auto value requirements. 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. Same day funding only available for Opt+ cardholders and in-store pickup. Minimum age to apply in Alabama is 19.

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.

In 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 business as an authorized delegate of Western Union Financial Services, Inc. under Chapter 151 of the Texas Finance Code. Speedy Cash engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. and Western Union Financial Services under Chapter 151 of the Texas Finance Code.

In Ohio, SCIL, Inc. dba Speedy Cash, is a registered Ohio Credit Services Organization (CS.900174.000) operating pursuant to the Ohio Credit Services Organization Act. The actual lender is an unaffiliated third party. The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.

CA: Licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. California loans other than deferred deposit loans are issued pursuant to the California Financing Law. Installment Title Loans subject to minimum auto value requirements.

New Mexico: This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website http://www.rld.state.nm.us/financialinstitutions/.

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.

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.

Opt+: This card is issued by Axiom Bank or Metropolitan Commercial Bank, Member FDIC, pursuant to a license from Visa. Visa is a registered trademark of Visa USA Inc. All trademarks and service marks are property of their respective owners. ATM: Free withdrawals at any Speedy Cash or Rapid Cash location. Transaction fees will apply for all other ATMs. No charge loads/unloads at Speedy Cash and Rapid Cash locations only.

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