Lender
Rating by Finanso®
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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.

3.3
(25 Ratings)

Speedy Cash

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About Lender

Speedy Cash is a lending company that provides short-term cash loans online, over the phone, and in person. It offers payday loans, installment loans, lines of credit 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.

Speedy Cash

Key Features

  1. Fast Loan Approval Process. Speedy Cash promises to get you the cash you need quickly and easily.
  2. Multiple Loan Options. The company offers payday loans, title loans, lines of credit, and installment loans to meet the various needs of its customers.
  3. Online and In-Store Availability. You can apply for a loan online or visit a physical location for personalized assistance.
  4. Responsible Lending Practices. Speedy Cash is committed to responsible lending and follows all state and federal laws to ensure that its customers are protected.
  5. Convenient Repayment Options. The company offers flexible repayment options, including automatic debit and extended payment plans.
  6. No Hidden Fees. Speedy Cash is transparent about its fees and charges, and it does not have any hidden fees or surprises in its loans.

Pros and Cons

Pros

Fast Loan Approval. Speedy Cash promises to get you the cash you need quickly and easily.

Multiple Loan Options. Speedy Cash offers payday loans, title loans, lines of credit and installment loans to meet the various needs of its customers.

Convenient Repayment Options. Speedy Cash offers flexible repayment options, including automatic debit and extended payment plans.

No Hidden Fees. Speedy Cash is transparent about its fees and charges, and it does not have any hidden fees or surprises in its loans.

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

Cons

High-Interest Rates and Fees. PDL generally have higher interest rates and fees compared to other types of loans, so it's important to understand the terms and conditions of the loan before applying.

Short-Term Loans. They are meant to be short-term solutions and may not be appropriate for long-term financial needs.

Risk of Debt. If not used responsibly, payday loans can lead to a cycle of debt and may have a negative impact on your credit score.

Strict Repayment Terms. If you miss a payment, you may incur additional fees and the loan may have a negative impact on your credit score.

Reliability

The reliability of Speedy Cash, like any lender, depends on various factors, including the terms and conditions of its loans, the fees and interest rates charged, and the level of customer service it provides.

Speedy Cash is a well-established and licensed lender that operates in several states in the U.S. It is a member of the Community Financial Services Association of America (CFSA) and the Online Lenders Alliance (OLA), which indicates that it adheres to certain standards and practices in the payday loan industry.

However, as with any lender, it's important to research and compare options before taking out a loan. Read the loan agreement carefully to understand the terms and conditions, and make sure you can afford the monthly payments before applying for a loan.

It's also important to keep in mind that payday loans, like the ones offered by Speedy Cash, generally have high-interest rates and fees compared to other types of loans, and can lead to a cycle of debt if not used responsibly. So, it's crucial to understand the loan terms and your ability to repay it before applying.

How to Apply for a Speedy Cash Loan?

Apply For a Loan

Online

  1. Visit the Speedy Cash Website. Go to the official Speedy Cash website using your web browser. You can search for "Speedy Cash" on your preferred search engine and click on the official website link.
  2. Find the "Apply Now" Button. Once you are on the Speedy Cash website's homepage, look for an "Apply Now" or "Get Started" button. It may be prominently displayed on the main page or located in the navigation menu.
  3. Create an Account. Click on the "Apply Now" button, and you will be directed to a page where you'll need to create an account. You'll be asked to provide the following information:
    • Enter a valid email address that you have access to;
    • Choose a secure password for your account;
    • Confirm the password you just created;
    • Choose a security question from the provided options;
    • Provide an answer to the selected security question;
    • Make sure it's something you can easily remember.
  4. Complete the Application Form. After creating your account, you must complete the loan application form. The form will require personal and financial information, such as your name, address, employment details, income, and desired loan amount.
  5. Review Terms and Conditions. Before submitting your application, review the terms and conditions of the loan carefully. Ensure you understand the interest rates, repayment terms, and associated fees.
  6. Submit Your Application. After reviewing all the information, submit your loan application through the website.

In-store

To apply for a loan in-store at Speedy Cash, visit a nearby location and speak with a staff member. They will assist you with the application process, answer any questions, and help you explore the loan options available. Ensure to check the loan availability for your state beforehand, as it may vary.

Conditions and Requirements

Conditions

  1. Loan Amount. The loan amount you can borrow from Speedy Cash may vary depending on the state laws where you reside. Typically, the loan amount can go up to $1,500, but this may differ from state to state. Some states may have lower loan limits.

  2. Interest Rates and Finance Charges. State regulations also determine the interest rates and finance charges for Speedy Cash loans. Different states may impose different maximum interest rates and fees that lenders can charge. For example, the finance charge for a payday loan in California could be $17.65 for every $100 borrowed (as an example), but this may vary in other states.

  3. Repayment Schedule. Speedy Cash payday loans are typically short-term loans that require repayment on your next payday. The repayment schedule and options may vary depending on state laws and your agreement with Speedy Cash.

  4. Credit Check and Eligibility. Speedy Cash may perform a credit check to assess your eligibility for a loan, but they also consider other factors like your income and ability to repay.

  5. Application and Approval Process. The application process can often be completed online, and approval is usually fast. Once approved, the loan amount is usually deposited into your checking account.

  6. Renewals and Extensions. Some states allow loan renewals or extensions, but this may be subject to additional fees and regulations.

Requirements

  1. Minimum Age Requirements. You must be at least 18 years old (age may vary by state) to be eligible for a payday loan.

  2. Valid ID. You must provide a valid government-issued identification document, such as a driver's license or state ID.

  3. Proof of Steady Income. You are required to show proof of a steady source of income. This could include pay stubs, bank statements, or other documents demonstrating your ability to repay the loan.

  4. Open and Active Checking Account. To receive the loan funds and for repayment purposes, you must have an active checking account.

  5. Working Phone Number. A working phone number is necessary for communication and verification purposes during the loan application process.

Ways to Receive the Money

  1. Instant Funding. Funds are sent instantly to your eligible debit card after online loan document signing.
  2. Direct Deposit. Post online approval, funds are directly deposited into your bank account.
  3. Cash at Store Pickup. If near a Speedy Cash location, you can pick up cash in-store immediately after approval

Products

Apply For a Loan

  1. Payday Loans. These are short-term loans to help cover unexpected expenses until your next payday.
  2. Title Loans. They are loans that use your vehicle's title as collateral.
  3. Installment Loans. This isa loan type, which is paid back in multiple payments over a set period of time.
  4. Line of Credit. This is a revolving line of credit that allows you to borrow and repay funds as needed.
  5. Prepaid Debit Card. Speedy Cash offers prepaid debit cards for customers who may not have a traditional bank account.

Other Loans

Reasons for Loan Refusal

Check Your Credit Score

Loan refusal at Speedy Cash can occur due to various factors such as failing to meet state regulations, lack of eligibility, negative credit check outcomes, or not passing underwriting and approval processes. Additionally, not meeting state database eligibility requirements for certain lending products, or failing additional verification that some applications may require could also lead to loan refusal. The decision may also be influenced by information obtained from national credit databases like TransUnion, Equifax, LexisNexis or FactorTrust, Inc.

How to Repay a Speedy Cash Loan?

Make a Payment

Repayment methods at Speedy Cash may vary based on how you applied for the loan - in-store, over the phone, or online. Typically, online payday loan repayments are automated either through a debit card or an automated payment from your bank account.

Additional Services

  1. Check Cashing. Check-cashing services allow you to access your funds without having a bank account. In addition to the convenience, their check cashing service, with rates as low as $2.
  2. Money Orders. 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.
  3. Money Transfers. 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.
  4. Green Dot® Visa® Debit Card. Prepaid debit card allows for direct deposit, bill payments, and more, with the perk of receiving pay earlier. The 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 a Green Dot® Visa® Debit Card.

 

Loans like Speedy Cash

CashNetUSA

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CashNetUSA has been a trusted source for swift financial assistance during emergencies since 2004. If you need a $500 – $1,000 online loan, look no further, as CashNetUSA may have the solution you seek. Their fast funding options enable them to address unexpected expenses that require immediate attention. Whether it's a medical emergency, car repair, or any unforeseen financial setback, CashNetUSA is dedicated to providing timely support.CashNetUSA

Speedy Cash

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Speedy Cash is a prominent financial institution catering to the urgent financial needs of residents in 27 states. With a diverse array of services, the company specializes in offering payday loans alongside various other types of loans. Whether customers require a small sum of $50 or seek more significant assistance with larger expenses, Speedy Cash is ready to address their financial requirements promptly with up to $1,500 payday loans. One of the key advantages of Speedy Cash is its remarkably swift turnaround time, with loan applications being processed and approved within just one day, ensuring that individuals can access the funds they need without unnecessary delays.Speedy Cash

Cash Store

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At the Cash Store, customers can now access installment loans up to $3000, providing them with a practical solution for financial needs. With a fixed APR personal loan product that spans from 390% APR up to 780% APR, individuals can secure the funds they require while knowing exactly what to expect in terms of interest rates. The rates may vary depending on the state, ensuring customers are presented with options tailored to their specific location.Cash Store

Ace Cash Express

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Ace Cash Express is a reputable financial services company that provides installment loans in several states, catering to individuals facing emergencies or unforeseen expenses. In Delaware, borrowers can access up to $2,000; in Florida, Missouri, and Texas, loan amounts range from $100 to $2,000. This flexible loan offering ensures that customers can obtain the necessary funds swiftly and conveniently. Whether it's a medical emergency, urgent car repairs, or any unexpected financial burden, Ace Cash Express aims to offer a reliable solution to its clients in times of need.Ace Cash Express

Check Into Cash

Apply For a Loan

Check Into Cash is a reputable financial service provider that offers Installment Loans. These loans allow individuals to borrow a certain amount of money, typically ranging from $50 to $5,000, depending on the laws of their state. The maximum loan amount varies from one state to another, ensuring compliance with local regulations. With Check Into Cash, borrowers can access the funds they need to cover unexpected expenses or manage financial challenges.Check Into Cash

Approved Cash

Apply For a Loan

Approved Cash is a trusted financial institution specializing in offering payday loans and cash advance services, catering to individuals needing immediate financial assistance. Whether you're facing unexpected expenses or find yourself short on funds, Approved Cash is here to provide the solution you need today. Applying for their loans is straightforward, ensuring quick access to the required funds.Approved Cash

Editorial Opinion

Speedy Cash offers quick loans for financial emergencies, with a range of options like payday and installment loans. Their fast approval process and online applications make them convenient, but they have high interest rates which could lead to debt traps. While they offer up to $1,500, depending on state laws, and have both online and in-store services, the high costs mean borrowers should proceed with caution. It's advisable to consider the long-term implications, seek financial advice, and explore other loan alternatives before opting for Speedy Cash.

Important

Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.

How to Choose a Lender

  1. Make sure to confirm whether the lender is licensed to operate in your state. You can verify this information with your state regulator or attorney general.

  2. Check if the lender is a member of a reputable association, such as the Community Financial Services Association of America. Membership in such organizations may provide an extra level of reliability.

  3. Carefully review all the terms and conditions of your payday loan contract.

  4. Thoroughly examine the interest rates on payday loans and ensure that your contract includes a detailed breakdown of the total cost of the loan.

  5. Take advantage of your right of rescission. Usually, you can rescind the loan within three days after signing the agreement. Alternatively, there is typically a "cooling-off" period, which allows you several days to thoroughly review the contract before making an informed decision to enter into a consumer loan agreement based on the terms specified by the lender.

  6. Choosing a payday lender is a significant decision that demands careful consideration and a good understanding of how such organizations operate.

Methodology

At Finanso, we've carried out a comprehensive analysis of over 100 lenders, assessing them based on 35 different parameters across six key categories: accessibility of loans, customer relations, quality of service, interest rates, and transparency of conditions.

In each category, we carefully considered the most critical factors in selecting a lender. These factors include the interest rates, available loan amounts, minimum credit score, minimum income, application fees, and the speed at which funds are transferred.

At Finanso, we highly value our users, which is why we also focus on the quality of customer service, user reviews, and additional features that can aid our users in making a well-informed decision.

Our ultimate goal is to provide insightful recommendations and expert advice to assist you in selecting a lender that best caters to your specific needs.

Additional Resources

Sources

FAQ

Where Can I Borrow Money Immediately?

Speedy Cash is proud to be one of the few lenders that can provide immediate cash for your loan. This company can approve you for an immediate loan, you can access the cash right away using your Opt+ debit card or your personal savings account. Fast cash loans up to $1,500 and apply on the website for a fast loan decision and, if accepted, get cash right away. To satisfy your cash demands, it offers a choice of quick Speedy Cash loans.

Who Owns Speedy Cash?

Galt Ventures LLC is the owner of Speedy Cash. It is located in Scottsdale, United States, and is a member of the Activities Related to Credit Intermediation Industry.

How Do you Qualify For Speedy Cash?

Due to its restricted availability, Speedy Cash loan may be a viable lending choice only if you live in one of the areas where it provides installment loans. If you wish to borrow a small amount (note that the loan amount varies by state), you can settle it off promptly. Because the APRs can be pretty expensive, you should only use one if you don't have any other choices for covering an unexpected need. It offers installment loans only in Alabama, Colorado, Illinois, Mississippi, Missouri, Nevada, New Mexico, Ohio, Oklahoma, South Carolina, Texas, and Wisconsin. Please consider that your application's approval varies on the valid documents you submitted during the process. You should be at least 18 years old and have a stable source of income.

How Much Can You Borrow From Speedy Cash?

Speedy Cash implies that they never impose a minimum on our loans, and they can fund installment loan applications in specific dollar amounts as requested, up to your approved amount. You can borrow a loan between $250 and $1,500 based on your income and the state you reside in. Take note that there is a specific interest rate for every loan amount you wish to acquire.

Does Speedy Cash Approve Everyone?

Anyone who fits the qualifications for a payday loan can apply and be approved for cash. Most states require an applicant to be at least 18 years old for a payday loan. Keep in mind that your application's approval varies on the valid documents you submitted during the process.

Is Speedy Cash a Legitimate Company?

Yes, Speedy Cash is a legit loan provider that is an active member of the Online Lenders Alliance. It is one of the first internet lenders to provide quick funding with a debit card.

Is Speedy Cash a Good Lender?

Speedy Cash is a well-known lender that provides various loan products, including payday loans, installment loans, title loans, and more. Whether Speedy Cash is a good lender or not depends on a variety of factors, such as your individual financial situation, credit history, and the loan product you are interested in.

In general, payday loans and other short-term loans from alternative lenders, such as Speedy Cash, can be expensive and come with high interest rates and fees. This means that they may not be a good option for everyone, especially if you have a limited income or if you are already struggling with debt.

On the other hand, if you need money quickly and have no other options, a payday loan from Speedy Cash may be a viable option. However, it's important to understand the terms and conditions of the loan, the costs involved, and the repayment schedule, so that you can make an informed decision about whether the loan is right for you.

In conclusion, whether Speedy Cash is a good lender for you will depend on your individual needs and financial situation, and it's a good idea to consider all your options and choose a lender that meets your specific needs

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Our name is our goal: To provide speedy cash.

© Speedy Cash
Financial products
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3.09
(20 Ratings)
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from 4.00 %
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to 1 months
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3.75
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Effective interest rate on the product

to 1.46 %
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Loan term for the financial product

to 168 days
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to 1 months
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100.00 – 20000.00 $
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from 0.05 %
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All Speedy Cash’s reviews by april 2024
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4.6
Advantages
If you're considering borrowing from Speedy Cash's online platform and need funds quickly, I'd advise against the online route. The response can take hours or even a couple of days. Personally, I find visiting their physical store more efficient; you get immediate assistance there.
Complain
5
Advantages
I'm a big fan of Speedy Cash! Their customer service is outstanding and very accommodating. Securing a loan with them is a breeze. Extremely satisfied.
Complain
4.2
Advantages
Excellent customer service, and they consistently deposit into my checking account swiftly. Speedy Cash delivers promptly every time.
Complain
4.8
Advantages

Their customer service is top-notch, and the team is incredibly welcoming. From the moment I entered, I was promptly greeted and assisted. The teller quickly processed my details and had me on my way in under 15 minutes. I'll definitely be recommending them to anyone in need. Exceptional service all around!
Complain
1.4
Disadvantages
They have a lengthy and tedious process only to potentially deny you in the end. If you're in a financial bind, it might not be worth your time.
Complain
1.8
Disadvantages
Last year, I took out a payday loan with this company and was shocked at the exorbitant interest rates. I needed funds to make ends meet, so I secured both a payday loan and a car title loan. Altogether, the repayment was about $3,000, despite the payday loan being only $600 and the car title loan $500. It feels like this company exploits those in desperate situations, which I find unjust.
Complain
2.4
Disadvantages
I strongly regret choosing them. I ended up repaying an amount that was almost four times the original. The way this company operates is baffling. You're better off saving every penny than using their services. I'll never turn to them again!
Complain
4.4
Advantages
For urgent situations, this service is valuable. While the interest rates are high, if you apply early on a business day, you can receive the loan in your bank account within 24 hours.
Complain
2.2
Disadvantages
We've consistently made our payments on time, especially since they're automatically deducted. However, we missed one payment due to an overdraft, as we often barely cover our bills and groceries. We make payments bi-weekly, and to our surprise, without any prior notification – no calls, emails, or texts detailing the amount – they deducted almost our entire paycheck. Now we're in a bind, unable to cover our other bills because of this. The communication gap with this company is deeply disappointing.
Complain
1.4
Disadvantages
I'd advise against wasting your time here. Both the app and website are unreliable. Despite using Speedy Cash on multiple occasions, I won't be a returning customer. I've faced repeated issues accessing my account and have received little to no support in response. The constant website and app downtimes prevent me from checking statements or making payments. Yet, I'm still held accountable for any late fees, even when I can't access my account to settle them. The only alternative is calling, but even that's hit or miss on whether they pick up. This is not how good business should operate.
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Overall company rating
3.3
/ 5
25 reviews
Execution of an application
3.1
Support service
3.3
Mobile app
3.3
Service quality
3.3
Your satisfaction level
3.4
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