Payday Advances from Speedy Cash

Payday advances, also called payday loans, are short-term loans that are usually required to be paid back on or around your next pay day. If you are in a pinch and need some cash to help you cover unexpected expenses, a payday advance from Speedy Cash could help.

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Quick Application

Apply for a payday advance online
or in a store in just minutes. You’ll
need a valid ID, source of income
and banking account information.

Lending Decision

Regardless of where you apply,
we’ll provide you with a
lending decision right away.

Instant Payday
Advance Options

When you need cash quickly we
have instant cash options.

Speedy Cash Reviews

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Payday Advance Questions

A payday advance, also called a payday loan or cash advance, is a small, short-term loan that is due on or around the borrower’s pay day. Payday advances are designed to help you pay for emergency or unexpected expenses.

The process to get payday advance varies, depending on where you choose to apply, but the steps are typically the same:

  • 1. Complete an application
  • 2. Receive a lending decision
  • 3. Sign your loan documents (if approved)
  • 4. Receive your loan funds
  • 5. Repay your loan amount plus finance charges

Where you can get a payday advance depends on the lender you choose to borrow from. Typically there are 3 options to getting a payday advance; online, at a store or over the phone.

Speedy Cash offers 3 ways to apply:

Payday advance requirements vary depending on the lender you choose, but typically you will need to have the following to apply:
  • Valid ID
  • Steady source of income
  • An open and active checking account
How long it takes to get a payday advance depends on how you choose to apply and the lender you apply with. If you apply online, you will typically get your loan funds within 24 business hours. If you apply at a store, you will typically get your cash right away.
How much you can borrow depends on a variety of factors. At Speedy Cash, we review your salary and wages, your debt, and take into consideration the maximum loan amount in your state of residence. Visit our available loans page to see the personal loans that Speedy Cash offers in your state and what the maximum loan amount is.

Payday Advance from Speedy Cash

Apply online now and get your instant lending decision.

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. Same day funding only available for Opt+ cardholders and in-store pickup. Minimum age to apply in Alabama is 19. A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday advances are not recommended as long-term financial solutions. Customers with credit difficulties should seek consumer credit counseling.

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.

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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