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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Speedy Cash's application


How to apply


After registering an account, many users search for the loan eligibility requirements. Find below the list of all you need to apply for a loan.

  • Full name;
  • Address (and proof of address);
  • Phone numbers;
  • Income level information;
  • Government-issued ID or driver's license;
  • Most recent pay stub;
  • Bank statement – 30-60 days from date of application;
  • Blank personal cheque and/or Pre-Authorized Debit Form;
  • Bank account details.

Requirements may vary depending on location, so check what you need in your area.

In addition, you must be at least 18 years old, you must be solvent, and have no debts and overdue loans. In general, if you have a credit history, there should be no unresolved problems.

Application details

The lender operates Monday to Saturday (in some provinces on Sunday too). Also, Speedy Cash has a 24-hour application process and online support during regular business hours.

Application approval does not last long: immediately after checking the information data that the borrower provided.

At stores: Speedy Cash has stores located across the country. Come to apply for a loan and walk away with your cash in hand.

To apply for a loan, you need to click on the "Apply Now" button. After that, you will go to the page where you need to indicate the amount you plan to borrow, the province where you live, and whether you are a new client or an existing one.

After that, you will see a popping window that says how much interest you will have to pay for the service. Again, the percentage is different in each province.

Next, you will go to the page where you will need to fill out all the information about yourself indicated earlier.

Next, you click Continue and wait for your application to be approved.


Reasons for rejection

Speedy Cash can refuse to issue a loan to you if: you are under 18 years old; you have debt on loans; you have an overdue loan; you have incorrectly filled out an application and have not specified the required information about yourself, you have not confirmed permanent income.

How long does it take to get approved by Speedy Cash?

It depends on how you choose to apply and the lender you have chosen. If you apply for a loan online, you will typically get your loan funds within 24 business hours. However, if you decide to use a loan store, they will normally give you cash right when you are there.

How trustworthy is Speedy Cash?

Speedy Cash has been helping customers since 1998 daily. The service is reliable - thousands of reviews can confirm this from ordinary people. However, if you are afraid for the safety of your data, the service has a robust and reliable privacy policy.

Does Speedy Cash verify income?

You don't have to be employed, but the service verifies your income. Speedy Cash calls your employer to verify your employment. They never reveal that they are calling from Speedy Cash to protect your privacy.

Does Speedy Cash hurt your credit score?

This lender uses Trans Union to verify identification. This procedure will leave a soft inquiry on the credit bureau, which does not affect your score and is not visible to other credit grantors. Speedy Cash Canada will only affect your credit score if you do not pay them back on time.

Financial products

Speedy Cash
Payday loan
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™

Effective interest rate on the product

up to 599.64%

Loan term for the financial product

up to 14 days

Calculate loan payments in Speedy Cash

Speedy Cash calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

200 $
1500 $
Loan term

Specify the loan term for the calculation


What to pay attention to when applying for a loan from Speedy Cash

  1. The company must have a license if it runs business in Alberta, British Columbia, Manitoba, Ontario and Quebec.
  2. You can check the availability of the relevant license (copy) at the branch of the lending company.
  3. Membership in a self-regulatory organization (SRO) is an additional guarantee of the reliability of the lending company. This information can also be checked at the company's branch or on its official website.
  4. Availability of lending policies.
  5. The procedure for applying for a loan.
  6. The procedure for concluding the loan agreement and receiving the payment schedule.
  7. Other conditions for granting loans.

We recommend

  1. To check out the interest rates and frequency. 
  2. Check the availability of individual terms in the loan agreement (principal amount, term, date of advance, etc.).
  3. Check whether the loan agreement contains information about the total cost of borrowing.
  4. Take time to think – you can change your mind before agreeing or signing a loan agreement.
  5. Speed of loan processing.
  6. Accessibility – alternative lenders often operate where there are no bank branches.
  7. For the borrower - high interest on the loan.
  8. For an investor, the safety of funds is not guaranteed by the state.

What distinguishes Speedy Cash from banks:

  1. Simplicity - loan processing is less formalized than in a bank.
  2. Fast loan processing.
  3. Accessibility.
  4. For the borrower - high interest on the loan.
  5. For an investor, the safety of funds is not guaranteed by the state.
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All Speedy Cash’s reviews by October 2022
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