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Speedy Cash short term loans

Borrow up to and get access to approved funds in minutes or by the next business day

Financial hardship is stressful enough on its own, but when an emergency hits in the middle of it, it may start to feel inescapable. If you need help making it to the next paycheck and have the ability to payback a small-dollar loan when it’s due, a short term loan from a company like Speedy Cash may be a viable option.

Speedy Cash is amongst the fastest growing and largest providers of financial services in the US, Canada and the UK. Speedy Cash is a state licensed direct lender who can process your loan application and also fund your loan.

Apart from online short term loans, this financial service provider offers installment loans and lines of credit, and its in-store services include title loans, prepaid debit cards, money orders, wire transfers, check cashing and cash for gold.

The loans Speedy Cash provides don’t involve a lengthy application process, you don’t have to worry about making a long-term commitment and you can apply if you have bad credit.

How do Speedy Cash loans compare with other loans?

Check the websites of any providers you’re interested in to confirm they operate in your state of residence.

Rates last updated July 24th, 2017
Name Product Term of Loan Turnaround Time Costs
LendUp Payday Loans
LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.
$250
7–30 days
Generally receive the money the next business day
Depends on your state, loan product, loan amount and the term of the loan.
Check into Cash Payday Loan
With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
$1,000
Varies by state
1–2 business days
Varies depending on the amount and your state of residency.
CashNetUSA Loan
Apply for short term loans, installment loans or lines of credit in 30 states typically with a day’s turnaround.
$2,250
Varies by state
1 business day
Varies by state of residency.
ACE Cash Express Payday Loans
Quick short term, installment and title loans come with no prepayment penalty and a 72-hour satisfaction guarantee.
Varies by state
Varies by state
Generally receive the money the next business day
Varies depending upon the state where you reside.
Check City Payday Loan
Apply for a fast, secure and confidential payday loan — even with less-than-perfect credit.
Depends on state of residency
Varies by state
Next day
Depends on state of residency.

Compare up to 4 providers

Product Information

  • Min. Loan Amount: No minimum
  • Max. Loan Amount: Varies by state
  • Loan Term: Up to 30 days
  • Turnaround Time: 24 hours if you apply online, receive cash immediately if you apply in store
  • APR: Varies by state

Find out your credit score here

What you can borrow from Speedy Cash

Speedy Cash short term loans can give you quick access to the money you require, but you have other financing options as well:

  • Installment loan. Unlike a short term loan that you have to repay in its entirety on your next payday, an installment loan from Speedy Cash gives you the ability to spread out your payments over a given period of time. You can also pay this loan off ahead of time without worrying about paying any penalties.
  • Line of credit. With an active line of credit, you don’t have to worry about the next time you need some extra money. The line of credit gives you great control over how you use funds up to an approved limit. While you have to make minimum monthly payments, you can also make extra payments at any time.
  • Title loan. You can apply for the previous two loans online, but for a title loan you have to visit a Speedy Cash store. The amount you can borrow depends on the value of your car as well as your ability to make repayments. You can pay the loan off ahead of schedule without paying any early payoff penalties.

Why should you consider taking out a Speedy Cash short term loan?

Speedy Cash short term loans come with several features that require your attention. Here’s what you should know before applying.

  • Quick process. The application does not take much time to complete whether you complete it online or in-store. If you apply in-store, you can expect funding in a matter of minutes. With online applications, Speedy cash informs you about your application’s status almost immediately and then transfers funds into your bank account by the following business day.
  • Flexibility to use funds. Once you get access to your approved funds you can use this money in just about any manner, from paying utility or medical bills to tuition fees or simple budgetary shortfalls.
  • No collateral. The short term loans Speedy Cash provides are unsecured in nature, and Speedy Cash does not require any form of collateral from your end. What it requires is that you should display an ability to repay the borrowed amount.
  • Additional services. When you take a Speedy Cash short term loan you can turn to this financial service provider for a selection of other services. These include wire transfers, check cashing, money orders, prepaid debit cards and cash for gold.

The costs of borrowing from Speedy Cash

After Speedy Cash lets you know of your application’s approval, you’ll be provided with loan documents that detail the loan’s terms and conditions, as well as all applicable fees and charges. It is in your best interest to review this document carefully before signing it, or you might be surprised later on.

The fees you have to pay depend on the state you live in as well as how much money you borrow. If you don’t pay the loan off in time you could have to pay late charges, additional fees if you wish to refinance your loan and it may negatively affect your creditworthiness.

Is it safe to take out a Speedy Cash loan?

Speedy Cash provides its services through more than 200 store locations as well as online, and it is a state licensed lender. It gives you a clear indication of the fees you might end up paying through the loan offer document so you don’t have to worry about any hidden charges.

Rates last updated July 24th, 2017
Max. Loan Amount Term of Loan Turnaround Time Costs
Speedy Cash Payday Loan
Offering terms of up to 30 days, this fast-growing lender's unsecured loans can be used for any purpose.
$1,500 Usually varies as per the law in the state. Next Business Day $15-$50 More

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  • If the provider quotes a different rate to the one above please let us know

How to apply for a short term loan from Speedy Cash

You can apply for a Speedy Cash short term loan in-store or online, and the online application takes no more than a few minutes to complete. You have to meet these eligibility criteria:

  • You are over 18 years old in most states
  • You are an American citizen or a permanent resident of the US
  • You have a steady source of income
  • To apply online, you should have an operational checking account

In order to complete the application successfully, you’ll have to provide some basic information:

  • Your name, home address, email address and phone number
  • Your date of birth, social security number and details from an acceptable form of identification document
  • Your employer’s name, address and phone number
  • Details about your income
  • If applying online, your bank account details

Frequently asked questions

If you use a prepaid debit card, you can expect funds to be transferred to your card immediately upon signing. You can also visit a Speedy Cash store to collect cash immediately after approval. If you’re expecting funds to be transferred into your bank account, this might happen as soon as the next business day.

If you apply in-store, you can provide a post-dated check for the amount in question or provide your bank account details for a direct debit. For online loans, you have to provide your checking account details for direct debit of the payment on the due date.

Speedy Cash accepts applications from individuals who have bad credit, and analyze your statements to assess your ability to repay.

Speedy Cash provides short term loans of up to but the maximum you can borrow depends on where you live and your ability to repay.

You may have to incur additional charges and it may negatively impact your credit score.

Are payday loans available in my state?

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8 Responses

  1. Default Gravatar
    MichelleJune 20, 2017

    Do I have to have an account to apply for a loan in store?

    • Staff
      HaroldJune 20, 2017Staff

      Hi Michelle,

      Thank you for your inquiry.

      You can apply for a Speedy Cash short term loan in-store or online, and the online application takes no more than a few minutes to complete. You have to meet these eligibility criteria:

      - You are over 18 years old in most states
      - You are an American citizen or a permanent resident of the US
      - You have a steady source of income
      - To apply online, you should have an operational checking account

      I hope this information has helped.

      Cheers,
      Harold

  2. Default Gravatar
    DanielApril 30, 2017

    I have been scammed by a person who suggested me to do speedy cash wrote my name social security and banking information I want to know how can I undo this transaction with you?

    • Staff
      HaroldJuly 5, 2017Staff

      Hi Daniel,

      Thank you for your inquiry.

      While we do not represent any company that we feature on our pages, we can offer you a general advice. If you encountered a fraudulence it would be safer to report this matter to your lender. This way, you can discuss with them the available options on how you are going to resolve the issue.

      I hope this information has helped.

      Cheers,
      Harold

  3. Default Gravatar
    GabrielMarch 10, 2017

    See ion I can get alone from speedy cash?

    • Staff
      HaroldJuly 16, 2017Staff

      Hi Gabriel,

      Thank you for your inquiry.

      You can apply for a Speedy Cash short term loan in-store or online, and the online application takes no more than a few minutes to complete. In line with your application, you have to meet these eligibility criteria:
      - You are over 18 years old in most states
      - You are an American citizen or a permanent resident of the US
      - You have a steady source of income
      - To apply online, you should have an operational checking account

      I hope this information has helped.

      Cheers,
      Harold

  4. Default Gravatar
    RobertFebruary 15, 2017

    How can I apply for another speedy loan?

    • Staff
      JonathanJune 25, 2017Staff

      Hi Robert!

      On the page where you’re at, you may click “Go to Site” green button of your chosen lender to proceed with your application.

      Please take note that you need to meet their eligibility requirements, so it is important that you take time in reviewing them.

      Hope this helps.

      Cheers,
      Jonathan

US Payday Loans Offers

Learn about our information service
Blue Trust Loans Installment Loans

Get an installment loan you don't have to pay back in one lump sum.

LendUp Payday Loans

LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

Check into Cash Payday Loan

With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

Check City Payday Loan

Apply for a fast, secure and confidential payday loan — even with less-than-perfect credit.

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