Speedy Cash review

Convenient loan options — but understand the cost before you apply.

finder.com’s rating: 4.45 / 5.0


Bottom line: Speedy Cash offers payday loans, in addition to other loans and services, to residents of 27 states. But it’s still an expensive form of credit, so be sure you can afford it before you visit a store or apply online. Read our full review.


Min. Amount


Max. Amount

1 day

Turnaround time


Product NameSpeedy Cash Short-term Loans
Min. Amount$50
Max. Amount$26,000
Loan TermVaries
Loan SecurityUnsecured
Turnaround Time1 day
CostsVaries by state regulations.
RequirementsMust be 18+ years old (19+ in AL) and have valid ID, proof of steady income, an open checking account and working phone number.


  • Upfront about potential costs
  • Apply online or at a store
  • Multiple loan options and additional services
  • Same-day funding available


  • High interest rates of 200% or more
  • Large volume of BBB complaints
  • Not every state has store locations

Review by

Kellye Guinan was a financer writer for Finder, covering everything from loans from auto to personal to business finance.

Expert review

Speedy Cash is a legitimate lender with a wide variety of loan options — although its exact services vary by state. While it can be expensive, it goes out of its way to explain the costs and display its state licenses. And it lives up to its name: Some borrowers can get cash the same day they apply.

However, its Better Business Bureau (BBB) page contains quite a few complaints about customer service and the overall cost. You may also be limited in what — and how much — you can borrow if you don’t live in the states where it has store locations.

Before you borrow, see how Speedy Cash compares to other lenders.

Speedy Cash rates, fees and terms

The cost of a payday loan from Speedy Cash depends on your state laws, the amount you borrow and the term of your loan. In most states, you will likely be able to borrow between $100 to $500. Because financing fees are set by state, you may have to pay between $10 to $30 for every $100 borrowed.

This means that the annual percentage rate (APR) of your loan will be 150% or more. And because Speedy Cash also offers installment loans, lines of credit and title loans, the amount you pay can vary widely.

To help make the cost more clear, Speedy Cash provides examples of its financing fees and average APR on its website. Visit your state’s rates and terms page for more specific details.

Is Speedy Cash legit?

Yes, Speedy Cash is a legitimate lender and a member of the Online Lenders Alliance (OLA), an industry organization that upholds security standards for businesses. Like all payday loans, expect high interest rates. However, Speedy Cash is a well-known, secure option for those who need cash to cover an emergency expense.

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Speedy Cash reviews and complaints

BBB accreditedNo
BBB ratingA+
BBB customer reviews1.66 out of 5 stars, based on 32 customer reviews
BBB customer complaints300
Trustpilot score4.6 out of 5, based on 8,599 customer reviews
Customer reviews verified as of18 March 2021

While Speedy Cash earns positive reviews on its Trustpilot page, almost all of the recent reviews on its BBB page are negative. Borrowers frequently complain about the high costs, poor customer service and inability to change payment due dates.

How to apply

To get started, you will need to have your Social Security number, details about your bank account and details about your employment ready. Speedy Cash offers three ways to apply.

  • Online. Speedy Cash allows you to apply online in 27 states, including every state it has store locations.
  • By phone. You can apply over the phone by calling a local Speedy Cash store or by calling the main number listed on its website.
  • At a store. There are over a hundred store locations spread across 15 states where you can apply for a payday loan.

If you want to apply at a store, you will also need a pay stub or other proof of income as well as a government-issued photo ID, like a driver’s license.

No matter the option you choose, most loans can be deposited into your bank account within one to two business days. Speedy Cash also offers you the ability to pick up cash at a store or have your loan instantly funded with to a debit card.

Speedy Cash locations

Speedy Cash offers loans in 27 states — although only 15 states have Speedy Cash stores.

Type your state to view loan availability:
StatePayday loansInstallment loansTitle loansLines of credit
AlabamaOnline and in storeOnline and in storeIn storeNot available
AlaskaOnlineNot availableNot availableNot available
ArizonaNot availableNot availableOnline and in storeNot available
CaliforniaOnline and in storeIn storeNot availableNot available
ColoradoNot availableOnline and in storeNot availableNot available
DelawareNot availableNot availableNot availableOnline
HawaiiOnlineNot availableNot availableNot available
IdahoNot availableNot availableNot availableOnline
IllinoisNot availableOnline and in storeIn storeNot available
KansasIn storeNot availableIn storeOnline and in store
LouisianaOnlineNot availableIn storeNot available
MississippiNot availableOnline and in storeIn storeNot available
MissouriNot availableOnline and in storeIn storeOnline and in store
NevadaOnline and in storeOnline and in storeIn storeNot available
New MexicoNot availableOnlineNot availableNot available
North DakotaOnlineNot availableNot availableNot available
OhioNot availableOnlineNot availableNot available
OklahomaNot availableOnlineNot availableNot available
OregonOnline and in storeNot availableIn storeNot available
Rhode IslandNot availableNot availableNot availableOnline
South CarolinaNot availableOnlineNot availableNot available
TennesseeNot availableNot availableIn storeOnline and in store
TexasOnline and in storeOnline and in storeIn storeNot available
UtahNot availableNot availableNot availableOnline
WashingtonOnline and in storeNot availableNot availableNot available
WisconsinNot availableOnlineNot availableNot available
WyomingOnlineNot availableNot availableNot available

Payment options

Speedy Cash highlights its online payments and automatic ACH transfers — taken directly from your bank account — on its website. However, other payment methods may also be available. Contact Speedy Cash or visit a nearby store for more information.

What other services does Speedy Cash offer at its stores?

Exact products and services vary by location, but Speedy Cash stores typically offer these four services:

  • Prepaid debit cards
  • Money orders
  • Check cashing
  • Wire transfers

Not sure about Speedy Cash? You can learn more and compare options with our guide to payday loans.

Short-term loan ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze short-term loan providers and similar services to help you weed out predatory lenders and find a company you can trust. We rate providers on a scale of one to five stars. Our ratings are based on factors that are most important to you, which include: loan amount, application process, fees, customer reviews and borrower experience.

Read the full methodology of how we rate short-term loan providers and similar services.

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  1. Default Gravatar
    March 11, 2020

    Can I have my loan put into my savings account?

    • Default Gravatar
      March 12, 2020

      Hi Armon,

      Thanks for your comment and I hope you are well.

      Yes, your loan funds will be deposited to your chosen method of receiving the funds and this could be completed as soon as the next business day. You could also visit a Speedy Cash store to collect cash sooner after approval.

      As a friendly reminder carefully review the terms and conditions and the product disclosure statement of the lender before applying. You may also contact your lender of choice should you have any questions about their loan requirements.

      Hope this helps and feel free to reach out to us again for further assistance.


  2. Default Gravatar
    May 6, 2019

    For a card, what is the APR, Annual fee, Other fees, balance transfer fee, and grace period?

    • Avatarfinder Customer Care
      May 6, 2019

      Hi Felicity,

      Thank you for getting in touch with Finder.

      Speedy Cash does not offer credit cards. Our credit card Finder can help search for a card that suits your needs. If you’re applying for a credit card, please make sure though to read the eligibility criteria, features, and details of the card, as well as the relevant PDS/ T&C of the card before making a decision and consider whether the product is right for you.

      I hope this helps.

      Thank you and have a wonderful day!


  3. Default Gravatar
    February 25, 2019

    I recently took a leave from my job, but I do have a recent paystub from my job, I go back to work in 2 weeks, can I still take out a loan?

    • Avatarfinder Customer Care
      February 26, 2019

      Hi Yaz,

      Thank you for reaching out to Finder.

      Depending on the approval criteria being used by Speedy Cash, you may still be able to take a loan. Advise them that you are currently on leave and will be back in two weeks. They may also contact your employer and confirm this as a safeguard for the loan. Hope this helps!


  4. Default Gravatar
    February 7, 2018

    I was sent a text claiming that I had been approved for a loan of 10000$ from speedy cash. They said that since my credit score was below 580 that I had to go through a verication process .said they would make a small deposit in my bank and then when I signed it back they would deposit my money is this a legit offer from you at SO?

    • Default Gravatar
      March 27, 2018

      Hi Thomas,

      Thanks for leaving a question on finder.

      You may want to confirm first that the person you’re speaking with is a legit representative from Speedy Cash and not someone posing as a representative to conduct a scam. Please go to their website to verify their contact details so you can verify with them directly. You can learn more about how to spot a payday loan scam.


  5. Default Gravatar
    December 27, 2017

    I get paid once a month on the 5th. If I borrow on the 2nd is the loan due 3 days later or will you allow me to pay it the following month on the 5th.

    • Avatarfinder Customer Care
      December 30, 2017

      Hi Heather,

      Thanks for your inquiry. Please note that we are not affiliated with Speedy Cash or any company we feature on our site and so we can only offer you general advice.

      If you are referring to Speedy Cash Loans, you can request for an installment loan and it gives you the ability to spread out your payments over a period of time. Please contact them directly
      by clicking on the ‘Go to site’ button on this page and you may inquire about their payments further.

      Best regards,

Go to site