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Loan Products

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Online Loan
Funding Times

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Speedy Cash offers three different ways to receive online loan cash.

Let us tell you a little about each of them so that you can decide the best option for you.

Payday Loans Money Rocket

Instant Funding

Speedy Cash is excited to be one of the only online lenders that offers an option to receive your online loan cash instantly. If your debit card qualifies for this option, you will be presented with an Instant Funding to Debit Card option after signing your loan documents online. Be sure to enter your debit card number when filling out your online application to see if your card is eligible for instant funding.

TIP: This is the quickest way to get your money.

Payday Loans Money Rocket

Direct Deposit

If you're approved for a loan online through Speedy Cash, we will default to depositing your cash directly to your bank account. If you are eligible for additional funding options, then you will be presented with those options after you sign your loan documents online.

Payday Loans Money Rocket

Cash at store pickup

If you're near a Speedy Cash location, then you have the option to pick up cash at a store. Cash at store pick up is available right away, no waiting required! Be sure to bring a photo ID and your confirmation number when picking up your cash.

TIP: This is the quickest way to get CASH in hand (no need for checks or an ATM).

How quickly can I get my cash with Instant Funding?


Most funds are deposited within 15 minutes of loan completion.

Loan completion means that you have been approved for the loan, have signed your documents online, and have selected instant funding as your funding method.

When will I get my cash if I choose Direct Deposit?

The exact time you will receive your direct deposit depends on two key factors: 1) When your loan application is approved, and 2) When your bank posts ACH (Automated Clearing House) credits to your bank account.

Apply & Receive Approval

Receive Funds by

7:15 PM CT
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The Next Business Day
7:15 PM CT
7:15 PM CT
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7:15 PM CT
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On banking holidays, your funds will be delayed until the next banking business day. For example, if Monday is a banking holiday, then you will not receive your funds until Tuesday.

If you expected to receive your deposit on a certain day, but do not see the deposit in your bank account, you might want to contact your bank's ACH department.

How it works:


Apply Complete and submit a loan application online or over the phone.


Select your amount
If approved, select the amount you would like to borrow (up to your max approval amount) and sign your loan documents.


Get your funds
Select the instant funding option to have your cash immediately sent to your debit card.
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Online Loans funding questions

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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