PAYDAY LOANS

Convenient.
Quick. Reliable.

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Secure a payday loan

Select your state to see loans and amounts.

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CONVENIENT

We are 140 locations strong and growing. Plus, we have a team standing by to help you via phone and online lending is available in many states. Choose the option that is most convenient for you.

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QUICK

Simple to complete application processes, swift lending decisions, and fast funding means from start to finish we’re living up to our name: Speedy.

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RELIABLE

We've been meeting our customer’s short-term lending needs since 1997. Choose a Payday Loan from Speedy Cash, and our dedicated service team will work to make the experience hassle-free.

Payday Loan Amounts & Availability

Payday Loans from Speedy Cash are available in multiple states across the US. Loan availability and lending limits vary by state, so double check your state’s limits prior to applying.

ONLINE OR IN-STORE
What is a Payday Loan?

A Payday Loan (also known as a Cash Advance) is a convenient, short-term solution for urgent financial needs. Intended to get you by until your next pay day, Payday Loans are an option when you need to secure funds quickly.

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SECURING A PAYDAY LOAN

After receiving borrowing approval, customers can secure a Payday Loan from Speedy Cash. Payday Loan lending limits and availability can vary depending on a customer’s state of residence. Our Rates & Terms are available for review to ensure borrowers understand the loan agreement and repayment terms before applying. 

REPAYING A PAYDAY LOAN

Payday Loan borrowers are given an expected repayment due date which typically coincides with their next scheduled pay day. Repayment is simple when completed via the convenient Speedy Cash customer portal or in person at the nearest Speedy Cash store. Already have a Payday Loan and not sure you’ll be able to repay on time? Reach out to our team prior to your due date to discuss your options.  

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Our Payday Loan Process

1

SUBMIT YOUR PAYDAY LOAN APPLICATION

We accept online applications, in-store applications, and in some states we offer applications over the phone.

2

RECEIVE A LOAN DECISION

Our lending decisions are speedy. If approved, you’ll be able to sign your Payday Loan agreement within minutes.

3

GET YOUR FUNDS

Receive funds instantly† via your debit card, have funds directly deposited into your account, or pick up cash in store.

4

REPAY ON YOUR NEXT PAY DAY

Your repayment method will depend on what is available and most convenient for you. Options for repaying your Payday Loan include: debit card repayment, cash payment in store, AutoPay from your bank account, or a post-dated check

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What Do I Need to Apply?

  • Valid government-issued photo ID
  • Working phone number
  • Proof of a steady source of income
  • Bank account checking and routing numbers

What can a Payday Loan do for me?


The benefits of a Payday Loan include a quick application, rapid lending decisions, and fast funding. These short-term loans are due for repayment on your next pay day and can be used for anything including repairs, bills, and emergencies.

Ready to get started?

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Payday Loans Help Center

Need a little more information before applying for a Payday loan?

Before you submit an application for a Payday Loan, visit our Help Center if you have additional questions. Our goal is to make sure you have all the necessary information to make a decision prior to applying. 

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Relevant Blog Articles

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Cash Advance vs. Payday Loans: What is the Difference?

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Applying for a payday loan

What to Consider Before Applying for a Payday Loan

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Why Choose Speedy Cash for Personal Loans?

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© 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.