ONLINE LOANS

A guide
to borrowing online.

Select your state to see loans and amounts.

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FILLING THE GAP FOR HARD-WORKING PEOPLE

Millions of Americans lack savings, experience emergencies, and have no other credit options. We want to help.

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KEEP IT SECRET. KEEP IT SAFE.

"I love waiting in long lines in a lobby full of strangers" said no one. Ever. Online loans give people privacy, speed, convenience, and flexibility.

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STEP AWAY FROM TRADITION... EXCEPT WHEN YOU NEED IT

Back in the day it was all about the 9-5. Now you could get a loan online, anytime, anywhere. One tradition we're not over yet? Help from real people. Yep, we've got 100% US-based customer support.

Safe and Ethical Online Lending

Seal of Online Lenders Alliance

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!

Types of Online Loans

Installment Loans

Typically a longer term loan repaid over a set amount of time with scheduled payments.

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Line Of Credit

Open-ended access to cash up to your approval amount as long as you need it. Borrowed amounts are repaid, plus accrued interest, in scheduled minimum payments.

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Payday Loans

A short-term loan to hold you over to your next payday. Typically loans are repaid, plus a flat fee, after receiving your next paycheck.

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Learn about different online lenders.

Shopping online for a loan can massage your brain into mush. Scroll through the different online lenders below so you can untangle the lingo and choose the best option for you.

Shopping online for a loan

DIRECT LENDERS

Direct lenders receive and process your online loan application. They also fund your loan, process your loan payments and conduct any additional service on your loan. Typically direct lenders don't sell your personal info to other companies.

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Speedy Cash is a Direct Lender, except in Texas*. We never sell personal info.

STATE LICENSED

Lenders usually display any applicable state licenses on their website, if required by the state. State licensed lenders follow state laws and regulations, which protect you from outrageous fees and unfair lending practices. They might also have periodic audits by the state to ensure compliance with applicable laws. Tip: Check a company's rates and terms page to see if it's state licensed.

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Speedy Cash complies with all state and municipal laws everywhere we operate.

CREDIT ACCESS BUSINESS (CAB) AND CREDIT SERVICE ORGANIZATION (CSO)

CABs and CSOs work with a third party lender to provide credit for consumers. Credit is typically in the form of a payday loan or title loan. Some states require a CAB, CSO or third party relationship. Generally in this situation, loan documents are signed and payments are made to the CAB/CSO. A fee may be associated to obtain this type of loan.

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Speedy Cash is a CAB in Texas.

TRIBAL LENDERS

A tribal lender is based on a federally recognized American Indian reservation, or is operated by an American Indian community. These lenders may be able to avoid some of the state law restrictions that are placed on state-licensed lenders (due to being recognized as their own independent sovereign nations). They can lend to both tribal and non-tribal members and can charge higher fees than a state-licensed lender.

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Speedy Cash is not a tribal lender.

OFFSHORE LENDERS

Offshore lenders are based in another country but lend within the U.S. They aren't regulated by the states where they operate, which means they have less security than a state-licensed lender. Consumers should be wary of hidden fees, increased fees and/or interest, and aggressive collections tactics.

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Speedy Cash is not an offshore lender.

LOAN MATCHING SERVICES

Otherwise known as "lead generators," loan matching services act like middlemen between borrowers and the actual lending company. Usually they ask you to fill out a loan application (sometimes only a partial one) and then sell your information to third party lenders. Sometimes, they might even work with lenders that aren't state licensed.

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Speedy Cash is not a loan matching service.

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What can I use an  Online Loan  for?

Feeling the heat from too many bills? Online loans could provide quick relief along with transparent fees and repayment options.

Overall, Speedy Cash Customers report* using loans for:

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

*Data collected from a survey from January – February 2020

Finding online loan

Is an Online Loan right for me?

Deciding if you need a loan can be difficult. And it’s even more difficult with less than perfect credit. Here are a few things to consider:

  • Are you confident you will be able to repay the loan?
  • Have you asked friends or family members for help?
  • Does your reason for needing a loan outweigh the total cost of the loan?

If you answered “yes” to any of these questions, we might be able to help with your short-term financial needs.

Now that you know us, can we help?

Fill out an application 100% online.

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What to expect from Speedy Cash

95%

are satisfied with their loan experience*

77%

got their loan within one hour**

96%

would come back again***

*Data collected from a survey from October 15, 2018 – October 16, 2018. **Data collected from a daily survey from 2018 – 2020 ***Data collected from a survey from January – February 2020.

How it works:

1

APPLY 100% ONLINE

No need to fax, print or visit a store (but you can if you’d like!)

2

RECEIVE A QUICK LENDING DECISION

Usually in a matter of minutes or even instantly!†

3

SELECT YOUR AMOUNT

Select an amount from $50 up to your approval amount.

4

REVIEW AND SIGN DOCUMENTS

Review your loan amount, fees and repayment schedule. Agree to the terms by signing your loan documents directly online.

5

RECEIVE YOUR CASH

By default, we’ll direct deposit your $$ to your bank account. You could also select Instant Funding† to a Debit Card or pick up cash in store.

6

REPAY

Payments are typically due around your pay dates to make repayment as manageable as possible.

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Online Loan Requirements

Personal Information

  • Contact Information (phone number, home address)
  • Valid email address
  • Birth date (showing that you meet the minimum age requirement)
  • Identification number (driver’s license, state ID or passport)

Income Information

  • Pay frequency
  • Gross income (before taxes are taken out)
  • Net income (after taxes are taken out)
  • Source(s) of Income

Banking Information

  • Checking account and routing numbers
  • Debit card information (required for instant funding)

Online Loans Help Center

Looking for a little more information about Online Loans?

Before you apply, we want to make sure you have the answers you need.

visit help center

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.