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Payday loan direct lenders

Direct* Payday Loans from Speedy Cash
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Direct Lender vs.
Non-Direct

Direct lenders manage the entire payday loan process – from beginning to end. They will process your application, fund your loan and take your payment.

With so many lenders all promising to be the best, it’s easy to get overwhelmed when searching for an online payday loan. To help you stay sane in your search for the right lender, we’ve outlined the differences between direct lenders and the other types of lenders.

Direct Lender

  • CheckedCollects Personal Information
  • CheckedProcesses Application
  • CheckedFunds Loan
  • CheckedProcesses Payment

Credit Service Organization and Credit Access Businesses

  • Collects Personal Information
    Collects Personal Information
  • Processes Application
    Processes Application
  • Funds Loan
    Funds Loan
  • Processes Payment
    Processes Payment

Lead Generators

  • Collects Personal Information
    Collects Personal Information
  • Processes Application
    Processes Application
  • Funds Loan
    Funds Loan
  • Processes Payment
    Processes Payment

Select your state to see loans and amounts.

Why use a Direct Lender?

PROTECT YOUR INFORMATION

If you apply for a payday loan on a website that is not a direct lender, your personal information could bounce from lender to lender. The more your information bounces around, the more likely it is to get in the hands of someone you don’t want it to. If you apply with a direct lender, your personal information will stay with that lender, limiting your chances of identity theft.

AVOID CUSTOMER SERVICE CONFUSION

If you apply on a site that isn’t a direct lender, it can be confusing as to who you need to contact for what. With a direct lender, all of your questions and loan inquiries are handled with a single company. No need to hunt down contact information for multiple websites.

Quick Application Review

Since you are applying directly with the lender, you will typically receive a quicker lending decision since they are both reviewing your application information and providing you with a decision.

Receive Less Spam

When you apply for a payday loan online, there is a chance you could be applying with a lead aggregator. When this happens, your information could be presented to several different lenders / websites. Even though lenders cannot legally communicate with you until they have purchased the lead information, some websites may contact you anyway – which can flood your email inbox. CAUTION! Sometimes these junk emails may include false pre-approvals or verbiage that makes you think you may already be approved. Be sure to review these emails carefully before acting on them.

Getting to know Direct Lenders

Payday Loans from Speedy Cash

When you apply for a loan from Speedy Cash, you're borrowing directly* from us.

apply now*In Texas, Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party.
Speedy Cash.
Customer Service

English 1-888-333-1360

Español 1-855-734-0111

© 2023 Speedy Cash. All Rights Reserved.

Product types and maximum loan amounts vary by market. Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. 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.

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.

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: Deferred deposit loans are provided in accordance with the Department of Financial Protection and Innovation pursuant to California Deferred Deposit Transaction Law, Cal. Fin. Code §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.

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.

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