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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100% Online Application

No need to wait in lines or leave the comfort of your home; apply for a payday loan completely online – no faxing required.

Immediate Lending Decision

Immediate Lending Decision

After submitting your online payday loan application, you will get an immediate lending decision.

Instant Funding Options

If approved, you can have funds instantly deposited* to an Opt+® card or visit a Speedy Cash store to pick up your cash right away!

*Instant funding to Opt+ subject to system limitations.

Actual Customer Reviews

Online Payday Loans Application Process

1. Apply

2. Review Lending Decision

3. Sign Documents

4. Get Cash

5. Repay

Step 1.  ApplyFill out an application for a payday loan online. To get started on your application you’ll need a valid ID, source of income, and checking account information.
Step 2.  Receive a Lending DecisionUpon submitting your payday loan application online, we will provide you with an instant lending decision - waiting is a thing of the past.
Step 3.  Sign DocumentsIf you’re approved for an online payday loan, you may select a loan amount (up to your approved credit limit), and then sign your 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.

*Instant funding to Opt+ subject to system limitations.

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

Apply for Your Online Payday Loan Today

Apply for an online payday loan and receive a fast lending decision with Speedy Cash. Apply now in just minutes and if approved, choose from a variety of fast funding options.

APRs Explained for Online Payday Loans

Before you borrow money, it is important to consider your loan options and how they could fit with your financial situation. You should be aware of online loan interest rates, loan repayment options, and customer service accessibility among other things. Payday loans are often associated with high annual percentage rates (APR).

A payday loan is not meant to be repaid during a year, rather it is typically repaid in a couple of days or weeks. Naturally, the expressed APR will be relatively high. Let’s look at an APR example expressed as a daily interest rate:

400% APR

365 days per year

=
1.1%
daily interest rate

Expressing the APR as a daily interest rate can help you when researching various online payday loan lenders. Comparing multiple online payday loan interest rates will give you an idea of which lenders provide the highest and lowest interest rates. When it comes to applying for any online loan, don’t be fooled by impressive ads and images – make sure to read all rates and terms. Speedy Cash lists your state’s available loans and its rates and terms to make sure you understand the terms of the loan before entering an agreement.

Online Payday Loan Questions

Q: Why would I need to apply for 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.

Cover urgent bills such as utility bills, rent or food

Help with unexpected expenses such as auto repair or emergency medical expenses

Avoid NSF fees or high interest on credit card purchases

Q: What cash amount 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 are the requirements 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

Additional Questions?

Check out our FAQ page.

Cash for Your Needs

Apply for an online payday loan fast with Speedy Cash. Our convenient and secure online application can be completed in minutes!

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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