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Extra Secure
Our website is backed by a McAfee SECURE™ and a Norton Secure™certificate.
SUPER SPEEDY
Application takes minutes. Funding to a debit card is instant.†
Totally Online
No lines, no leaving the house, no faxing. Just a 100% online application.
Happy Customers
Actual Customer Testimonials
How it works:
1
Apply 100% Online
2
Receive a Quick Lending Decision
3
Review and sign loan agreement
(if approved)
5
Repay
Pay back the amount borrowed (plus fees) on your next payday.
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
Yep, our top priority is to keep your personal and financial information secure and prevent identity theft. Our website is backed by a McAfee SECURE™ certificate and is Norton Secure™ certified, and we will never sell your information to third parties. In addition, once you already have an account with us, we have practices in place to verify each device you use to access your account—just a little extra layer of security to protect your personal and loan information.
We get this question all the time, and the truth is: Comparing APR to payday loans isn't like comparing apples to apples. APR—or annual percentage rate—is the total cost of the loan expressed as an annual rate. If the loan is repaid on time, as we encourage, loan fees may be cheaper than overdraft fees or non-sufficient funds fees that may be incurred from your bank. Learn more about payday loans and APR.
Yes, we are a direct lender in all states except Texas where we are a Credit Access Business (this means that in Texas we will work with a third party lender to facilitate loans). As a direct lender, you can rest assured that we will not sell your personal information to other lenders or websites. We will process your loan from start to finish, no third parties involved.
You’re welcome to review some common questions on our dedicated FAQs page. We also provide some financial resources on our blog. And of course, we’re always happy to hear from you in person, online or over the phone at 1-888-333-1360.
