Online Payday Loans from $50 - $1,500

Need emergency cash? Avoid overdraft charges or high interest rates on credit cards, an online payday loan could help you get the cash you need fast.

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Actual Customer Testimonials

How Do Online Payday Loans Work?

  • Step 1.  ApplyFill out an application for a payday loan online. Get started with a valid ID, source of income, and checking account information.

  • Step 2.  Lending DecisionUpon submitting your application online, we will provide you with a lending decision right away.

  • Step 3.  Sign DocumentsIf approved, select your payday loan amount (up to your approved credit limit), and then review and sign your loan documents – directly online!

  • Step 4.  Get CashChoose from 3 convenient options to receive your money, including direct deposit, instant funding to an opt+ prepaid debit card, or cash in store pick up.

  • Step 5.  RepayPay back your loan principal and finance charges in full on your due date, as outlined in your loan agreements.

Get Your Online Payday Loan Today

Get an online payday loan fast with Speedy Cash. Apply now in just minutes, and choose from a variety of fast funding options.

Online Payday Loan Questions

Q: Why would I need to take out a payday loan online?

A: Payday loans can be a temporary solution for short-term financial needs. Here are some situations where you might consider an online payday loan.

To cover urgent bills such as utility bills, rent payments or food

To help with unexpected expenses such as auto repair or emergency medical expenses

To avoid NSF fees or high interest on credit card purchases

Q: How much can I borrow?

A: The amount you can borrow is based on a number of different factors including your monthly income, credit score, and the maximum amount available in your state. Visit our available loans page to see the maximum loan amount in your state.

Q: What do I need to get a payday loan?

A: You will need the following to apply:

  • Meet minimum age requirements in your state (18 in most states)
  • Open and active checking account
  • Steady source of income
  • Valid ID

Q: How do I repay an online payday loan?

A: If you are approved for a payday loan online, you can authorize Speedy Cash to automatically withdraw payment on your due date. For your convenience, we also offer alternate repayment options including debit card payments, making a payment at a store, and mailing a check.

Have more questions?

Visit our FAQ page.

Money When You Need it Most

Get an online payday loan fast with Speedy Cash. Apply now in just minutes, and get cash as soon as tomorrow.

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.

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.

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.

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.