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Online Payday Loans

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Select your state to see loans and amounts.

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Application takes minutes. Funding to a debit card is instant.

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Totally Online
No lines, no leaving the house, no faxing. Just a 100% online application.

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How it works:


Apply 100% Online


Receive a Quick Lending Decision


Review and sign loan agreement
(if approved)


Get Instant Cash
Unlike a lot of online lenders, we offer instant deposits to your debit card.


Pay back the amount borrowed (plus fees) on your next payday.
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How soon will I have my money?

How quickly you get your loan funds depends on the funding option you choose:

  • 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.

When is a Payday Loan the right decision?

Payday loans can be a temporary solution for short-term needs. The cash you get with a payday loan will hopefully hold you over until your next payday. Here’s when you might consider one:

  • Urgent bills. Cover things like utilities, rent or food.
  • The unexpected. Help with auto repairs or emergency medical expenses.
  • Costly fees. Avoid overdraft fees or Non-Sufficient Funds (NSF) fees.

If you won’t be able to pay back your loan on your next payday, you might consider an Installment Loan or a Line of Credit. These loans allow you to make payments over time. To find out if these loans are available where you live, visit your state’s available loans page.

Online Payday Loans Help Center

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),

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