Instant Payday Loans

Need cash and need it now?
Check out our instant payday loans options!

Visit a Store Location Apply Online and if Approved, Pick Up Cash at a Store
Prepaid Debit Cards Apply Online and if Approved, Select Instant Funding to Opt+
Cash at Store Pickup Apply in Store and if Approved, Leave with Cash in Hand
Instant funding subject to system limitations.
Apply Now

Fast Payday Loans for a Fast Paced Life

Need cash in a hurry? In a real cash emergency, you don't have time to wait for hours or even days to get cash - you need it fast, you need it right now. With instant payday loans, it's simple. As soon as you're approved and your loan documents are signed, you get the cash you need. It's easy. It's fast. It's all up to you. In an instant, you could have the money you need.

Instant Payday Loan Options

Get the money you need, instantly.

Visit a Store Location

Visit a Store Location

For instant cash in hand, visit a Speedy Cash store location near you. Fill out your loan application, and if approved, you'll receive money on the spot. Be sure to bring the correct information with you by reviewing our How it Works

Visit a Speedy Cash store to get an instant payday loan today!

Prepaid Debit Cards

Prepaid Debit Cards

If you're unable to reach a store location, another option is instant online payday loans. If approved, by loading your funds onto an Opt+® prepaid debit card, you could have an instant funding option for your future cash needs. Opt+ cards can be used anywhere Visa® is accepted and you can check your balance online whenever you want. Did we mention Speedy Cash stores offer to load funds onto your Opt+ card at no cost? Sweet!

Speedy Cash offers instant funding to Opt+ prepaid debit cards! (subject to system limitations)

Cash at Store Pickup

Cash at Store Pickup

Ready to apply now but need cash in your hand today? No problem! Apply online now and if approved, choose "Get Cash in Store" after you sign your loan documents. Then just bring your confirmation number and a valid photo ID to any Speedy Cash store location and walk out with cash in hand.

Speedy Cash Reviews

Fast easy process. Took less than ten minutes online and then went in and got my cash. Thanks!

- Joe in Austin, TX

I was promptly contacted by one of the young ladies when I filled my online application out. Went in and was out in less than 30 minutes with the extra funds I needed!

- Roshon in Kansas City, MO

It was super easy and super fast to get a payday loan. Everything was taken care of online, I didn't need to call anyone or go in person anywhere. They were able to verify everything for me once I filled out the application.

- Stacy in Hesperia, CA

Actual Customer Testimonials

Payday Loan Repayment

Quick Cash with Instant Payday Loans

Money doesn't grow on trees — but wouldn't that be great? Even if money did grow on trees, that process would probably be quite lengthy and require patience. We may not be a money tree, but you can certainly apply for an instant payday loan from Speedy Cash! If you're approved, you could have fast cash in your hand in no time. A payday loan could help you pay for surprise expenses or an unexpected bill. Don't wait for your backyard trees to grow fast cash — friendly Speedy Cash representatives are available to help you apply for an instant payday loan today! Don't have to time to visit us in person? Apply online with our secure encrypted application.

Need Cash Today?

Once approved and after you sign your loan docs, stop by a Speedy Cash store to pick up your cash today!

Most stores close at 8pm. Enter your zip code below to find out what time your nearest store closes.

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

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.