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How Much Can I Borrow with a Loan Online?

In California, we offer multiple types of loans to help fit your financial needs. Choose from a payday loan or installment loan online.

Payday Loan

Loans up to $255

Installment Loan

Loans for $2,600

Whichever you choose, rest assured that Speedy Cash will provide you with all the details related to getting your process completed as quick and as easily as possible. For more information about California loans, visit our detailed rates and terms page.


What will I need to get started on my online loan application?

In addition to some very basic information like your address and a valid ID, the application also requires the following:

  • Valid email address

  • Steady source of income

  • Valid phone number

  • Open and active bank account

Multiple Funding Methods

If approved, have your funds deposited in your bank account as early as tomorrow, pick up cash at a Speedy Cash store or instantly deposit* to your Opt+® Visa® Prepaid Card.

*Instant Funding to Opt+ subject to system limitations.

State Licensed Lender

We are licensed to operate in the state of California, so you can be sure that your loan terms are within state regulations.

Cash Loans Since 1997

We’ve served Customers in California since 1997! Our first store opened in Riverside, CA.

California Title Loans

Speedy Cash offers title loans starting at $2,600 in California stores. When you are in a tough financial situation and need to borrow more money than you could pay off on your next pay day, you could qualify for a title loan. Car title loans are offered based on the determined value of your vehicle (among other factors) and allow you to borrow money while still driving your vehicle.

Need a title loan now?

Here’s what to bring to get started:

  • Valid ID

  • Proof of income

  • Vehicle in driving condition

  • Current registration

  • Proof of address

  • Proof of insurance

  • Clear California title
    (not required in some circumstances)

Need more information?

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.

Google Play is a trademark of Google Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Data rates may apply.