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Lender
Rating by Finanso®
i

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.

3.8

Speedy Cash

Advertiser Disclosure

About lender

Speedy Cash is a loan lending business that operates in 29 states across the United States of America, including Nevada, Oregon, and Washington, under the name Rapid Cash. Currently, It has twenty stores in British Columbia, Alberta, Saskatchewan, and Nova Scotia. The company provides short-term cash loans online, over the phone, and in person. It offers payday loans, installment loans, and title loans. It focuses on installment loans, which borrowers use to cover a short-term cash shortage and then pay with interest on their next paycheck. Customers who want to deal directly with a company can apply for an installment loan in-store at Speedy Cash.

Speedy Cash is a prominent leader in the financial business area, with headquarters in Wichita, Kansas. It was founded in 1998 under Canadian supervision. It is one of the run companies that provide various required financial services and locations across Canada, including a virtual store to serve clients better.

The lender is licensed by the New Mexico Regulation and Licensing Department, Financial Institutions Division, and operates as a Licensed Credit Access Business (CAB).Speedy Cash's "Cash Care" program was designed to give the community quality and meaning.

Pros and Cons of Speedy Cash Loans

Pros of Speedy Cash Loans

  • Multiple methods to get funds.

  • Access to automatic payments.

  • There is no penalty for paying in advance.

  • Services are available both online and walk-in shop.

  • Loans ranging from $50 to $26,000 are available.

Cons of Speedy Cash Loans

  • Interest rates that are too excessive.

  • Some states may charge origination fees.

  • Only a few states are available.

  • The terms are inconsistent.

Speedy Cash loans offer a quick loan funding process through multiple ways of application. However, interest rates, terms, and access can be problematic in fast cash services. Please note that you must consider the advantages and disadvantages to determine which choice is best for you.

Payday Loans Terms and Conditions

Speedy Cash offers qualifying individual loan funds up to $26,000 both online and in stores. The lender also provides $5,000 installment loans. Installment loans require borrowers to repay the sum over a longer period rather than paying it in full on their next paycheck. In some areas, origination fees, one-time fees charged for processing your loan application, are needed. Speedy Cash has different origination fees depending on where you reside.

The lenders provide a variety of financing options. The annual percentage rates charged by Speedy Cash vary based on the type of loan you're applying for, the length of the loan, and the state you live in. The annual percentage rate (APR) for a $200 payday loan in California is roughly 460% for a 14-day loan term. If borrowers pay off the loan on schedule, there are $35.30 of interest expenses. The standard maximum payday loan amount at Speedy Cash is $1,500. However, lending restrictions in your state may prevent you from borrowing that much. In Alaska, for example, the company offers a maximum loan amount of $500 with an average period of 14 days.

The loan arrangement varies in applying for installment loans with quick funds from one state to another. The interest rate on a Speedy Cash installment loan in Nevada is 438.79 %. Residents of Mississippi can borrow up to $1,500, whereas residents of Illinois can borrow up to $2,500. Since lenders get approved at both state and local levels, the title loans' rates vary.

You can borrow up to $5,000 with a line of credit arranged in specific states, such as Missouri, while in Alberta, the maximum total cost of borrowing for a payday loan is $15 for every $100 borrowed. In British Columbia, the APR on a $300.00 loan for 14 days is 391.07%, based on an interest rate of $15 for every $100 borrowed. On a $300 loan for 14 days, the APR is 443.21%, based on an interest rate of $17 per $100 borrowed by Saskatchewan residents. The total cost of borrowing $100 for 14 days for Nova Scotia residents is $19.00. The APR on a $300.00 loan is 599.64 for citizens of the Yukon, Northwest Territories, and Nunavut, based on an interest rate of $25 for every $100 borrowed.

Funding a Loan

You can apply for a Speedy Cash installment loans. If you want to use Speedy Cash services, you must first register on the company's website or reach its customer support phone number. The funding process is straightforward. When you apply for a loan, Speedy Cash will perform a credit check, which may result in a few points deduction from your credit score.

If you apply for a loan in person, the funds can be deposited directly into your bank account the next working day. It might be advantageous if you have an unexpected fee, such as a vehicle repair. You should note that you may be required to make semimonthly returns in some states. If you're looking for a loan that you can pay back over time monthly, this might put a burden on your budget. In addition to direct deposit, Speedy Cash allows you to pick up your money at a storefront location if one is available in your area. You can also use one of three prepaid debit cards known as Opt+ cards to acquire your loan documents and funds. However, there may be fees depending on how you choose to obtain payment.

You may also set up automatic payments to have your funds debited from your bank account monthly. The company will not charge you a prepayment penalty if you pay off your installment loan early. Take note that this might help you save funds on interest.

Additional Services

Check-cashing services allow you to access your funds without having a bank account. In addition to the convenience of cashing cheques with Speedy Cash, they offer the lowest rates in the industry. They charge just $3.50 plus 3.50% of the cheque amount. It means more cash goes directly into your bank account.

A money order is a payment document that looks similar to a cheque. Speedy Cash may send you a money transfer that you can use to pay your fees, or you can use the cash to repay a Speedy Cash loan.

Domestic money orders are a quick, simple, and secure way to send earnings without account checking. A money order receipt can be purchased at any Speedy Cash location. It is a good option if you don't have a bank account or make a purchase that needs approval.

When you move earnings from your credit card to your bank or building society account, it is a money transfer. It will be included in your credit card balance and repaid as part of your monthly statement amount. The company may send you money that you can use to settle your fees, or you can use the cash to repay a loan.

Receive or send money via international transfer service using MoneyGram at any location. Pay bills, top-up prepaid debit cards and cellphone minutes. Prepaid debit cards permit you to spend whatever amount of cash is on the card. Once the balance is depleted, you can refill the card on the website, at an ATM (a participating retailer), or another physical place. Prepaid cards are issued by banks and branded by Visa, MasterCard, Discover, and American Express, among other major credit card companies with proven financial protection. The Opt+ prepaid debit card is only available through the provider. The Opt+ card may be used to withdraw cash from any ATM, check amount or to settle fees. You can effortlessly load cash, make routine transactions, and manage your spending with an Opt+ Prepaid Debit Card.

Speedy Cash

Company documents

Privacy Policy
Terms of use
Mobile Privacy Policy

Our name is our goal: To provide speedy cash.

© Speedy Cash

Speedy Cash service available states 

  • State of Alabama (AL)
  • State of Wisconsin (WI)
  • State of Illinois (IL)
  • State of Colorado (CO)
  • State of Mississippi (MS)
  • State of Missouri (MO)
  • State of Nevada (NV)
  • State of New Mexico (NM)
  • State of Ohio (OH)
  • State of Oklahoma (OK)
  • State of Texas (TX)
  • State of South Carolina (SC)
Speedy Cash service available states 

Financial products

Speedy Cash
Personal loan
Rating by Finanso®
i

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.

3.33
Recommended FinScore™
0
300
650
1000
$50-$26,000
Rate
i

Effective interest rate on the product

up to 460%
Term
i

Loan term for the financial product

up to 30 days

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$2,000-$35,000
Rate
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Effective interest rate on the product

up to 35.99%
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Loan term for the financial product

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Calculate loan payments in Speedy Cash

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

Speedy Cash calculator
Interest rates are given in accordance with the rates of the Speedy Cash of 26.11.2022
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What to focus on before applying for a loan with Speedy Cash

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Speedy Cash and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Speedy Cash’s reviews by november 2022
Leave feedback
1 reviews
5
Advantages
Accidentally, when making a mistake with the document number, I had to contact customer support and solve this problem, it's good that they work quickly and I didn't have to wait long, I had to submit the application again. After entering the data, the review began, after which I received a decision to issue funds. My office is located nearby, so it was not difficult for me to walk and pick up the money. It's simple and you can use the company's services in the future. I want to note that the company officially conducts its activities, so there are no fears for me as a client that I will receive my money
Disadvantages
no
Complain
1 reviews
Personal loan Go
5
Advantages
It is worth noting that on weekends there is no possibility to issue a loan and you need to take care of this in advance. In general, I feel good about the company, because I have repeatedly been bailed out with money before paycheck, everything is clear when making out, the contract is signed electronically, but you can also do it in the office. When repaying in accordance with the schedule, it turns out that the percentage per day is equal to 1 or a little more, so the most important thing is to meet the deadline and avoid delay, for which a fine is also provided. I think this company has the most loyal conditions for its customers, so I recommend
Complain
1 reviews
Personal loan Go
0
Advantages
With this company, I can issue and receive money in just 10 minutes, as well as pay off the debt in the future without waiting for the last payment date for it-early repayment is acceptable here. You can also pay off the money by bank transfer, or visit a branch of the company, for me this method is more reliable, because immediately they give me a check that I have deposited all the money under the contract. Plus, there is a very convenient mobile application for which you can check any information regarding payment or loan status, it is convenient and always at hand, you do not need to download a laptop to go to the site
Disadvantages
No
Complain
1 reviews
Personal loan Go
5
Advantages
Quickly apply for a loan and get it in a convenient format-either to the card according to the specified details, or in the office in cash format. I use it periodically when difficulties arise, it is easy to get a loan and it does not require collecting certificates, just those documents that are always available at hand. The system makes a decision in just 10 minutes, after which the money is transferred, I write about this method, since I use it, I do not need to visit the office. The service has support, which you can contact for any reason and solve the problem as soon as possible. I will use it again
Complain
Overall company rating
3.8
/ 5
4 reviews
Execution of an application
3.8
Support service
3.8
Mobile app
3.8
Service quality
3.8
Your satisfaction level
3.8

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