Payday Loans Online

Skip the commute. Get Cash Online

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Select your state to see loans and amounts.

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MAXIMUM SECURITY

Our website is supported by both McAfee SECURE™ and Norton Secure™ certificates.

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LIGHTNING-FAST

Applying takes just minutes, and if approved, funding to your debit card is instant†.

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COMPLETELY DIGITAL

No lines, no need to leave home, and no faxing. It's a 100% online application.

What is an Online Payday Loan?

Payday Loans are a convenient short-term loan option to help you bridge the gap until your next payday. After applying and receiving approval for a Payday Loan you will receive your funds and will typically pay back your loan in full on or around your next payday. Traditionally, Payday Loans are available in-store and are available at many of our Speedy Cash locations. With an online Payday Loan however, you can access the same great loan option from the convenience of your own home or anywhere you have an internet connection. Payday Loan availability varies by state, so check out our Rates & Terms to see if a Payday Loan is available in your state of residence.

Benefits of Getting a Payday Loan Online

Payday Loans can be beneficial in many situations like covering urgent bills or helping with unexpected or emergency expenses that arise between your paydays. This could include things like unexpected car repairs, emergency medical costs, or to help you avoid costly fees like overdraft or Non-Sufficient Funds (NSF) Fees. An online Payday Loan offers these same benefits plus a few others. Online Payday Loans allow you to apply for and manage your loan completely online from our Customer Portal. This will save you time as you won’t have to visit a store in-person if you don’t want to, funds can be deposited via direct deposit saving you a trip to the bank, and you aren’t restricted to the opening hours of a store as you can manage your loan online anytime 24/7. Online Payday Loans, where available, provide a slightly sped-up version of an already speedy process. Apply on the go or anywhere you choose for a convenient experience.  

How soon will I have my money?

How quickly you get your loan funds depends on the funding option you choose when applying for a Payday Loan online:  

  • Instant Funding to your debit card. If your debit card qualifies, this is the quickest way to get your money.  
  • Direct Deposit to your bank account. Funding times will vary based on the day and time you are approved, but you will generally receive your cash by the next business day. 
  • Pick up cash in a store. You can immediately pick up cold, hard cash at any Speedy Cash Location. 

How Does a Payday Loan Online Work? 

1

SUBMIT YOUR PAYDAY LOAN APPLICATION

Submit an application from the comfort of your home with our convenient online portal. You can also opt to apply in store if you’d prefer an in-person experience, or over the phone by calling 1-888-333-1360.

2

RECIEVE A LOAN DECISION

We try to live up to our name! You can typically get a quick lending decision within minutes. If you’re approved, you can review and sign the loan agreement electronically if applying online.

3

GET ACCESS TO CASH

Get your cash instantly deposited to your debit card† or have the funds directly deposited into your bank account (typically within one business day). Alternatively, you can choose to collect cash from your online payday loan at any Speedy Cash store!

4

REPAY ON YOUR NEXT PAY DAY

Pay back your loan on your next pay day! You will pay back the borrowed amount plus fees. With a Payday Loan online you will typically set up automatic repayment from your checking account or debit card.

†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.

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What do I need to apply?

  • Valid government-issued photo ID
  • Working phone number
  • Steady source of income
  • Bank account

Online Payday Loans Help Center

Still have questions and want to learn more about Payday Loans?

Speedy Cash wants to help you feel confident in your decision to apply for a Payday Loan online with us! Check out our main Payday Loans page to get more info or visit our Help Center to find the answers to your most frequently asked questions.

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© 2024 Speedy Cash. All Rights Reserved.

Loan Products: Subject to state regulations, eligibility, credit check, underwriting & approval, and meet state database eligibility, where required based on type of lending product requested. All products are not available at all locations. Rates, terms and conditions apply. 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.

Non-Loan Store Services: Rules, restrictions, and fees apply. See store for details.

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.

Green Dot: Must be 18 or older to open an account. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Mobile number verification, email address verification and mobile app are required to access all features.

1. Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your Green Dot account to prevent fraud restrictions on the account.

2. Opt-in required. Account must be in good standing and chip-enabled debit card activated to opt-in. Initial and ongoing eligible direct deposits are required for overdraft coverage. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Overdrafts are paid at our discretion. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee.

3. See app for free ATM locations. 1 free in-network withdrawal per calendar month. $3.00 per withdrawal thereafter. $3.00 for out-of-network withdrawals and $1.00 for balance inquiries, plus any fee the ATM owner may charge. Limits apply.

Green Dot® cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. And by Mastercard International Inc. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits. ©2023 Green Dot Bank. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739

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: Company is licensed by the California Department of Financial Protection and Innovation pursuant to California Deferred Deposit Transaction Law, Cal. Fin. Code §23000 et seq.

California: Compañía está autorizada por el Departamento de Protección e Innovación Financiera bajo la ley de Transacciones Depósito Diferidas de California, Cal. Fin. Código § 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.

Oregon: Licensed by the Oregon Department of Consumer and Business Services to make Deferred Deposit Loans, NLMS Id. #0267-004-S.

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.

If you 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.