Lender
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3.3
(25 Ratings)

Speedy Cash Review

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About Lender

Speedy Cash is a lender that offers short term cash loans online, over the phone and in-store. We offer payday loans, installment loans, lines of credit and title loans. We specialize in installment loans which borrowers use to cover a short term cash shortage and then pay with interest on their next pay day. If you want to deal with a company directly you can apply for an installment loan in-store at Speedy Cash.

Speedy Cash is a well established company in the financial industry, based in Wichita, Kansas. Founded in 1998 under Canadian supervision. One of the few companies that offers various financial services and locations across Canada, including a virtual store to serve you better.speedy cash review

Key Features

  • Fast Approval. Speedy Cash will get you the cash you need fast and easy.

  • Multiple Loan Options. We offer payday loans, title loans, lines of credit and installment loans to suit your needs.

  • Online and In-Store. Apply online or visit a store for in person service.

  • Responsible Lending. Speedy Cash is committed to responsible lending and follows all state and federal laws to protect our customers.

  • Flexible Repayment. We offer automatic debit and extended payment plans.

  • No Hidden Fees. Speedy Cash is transparent about our fees and charges and we have no hidden fees or surprises in our loans.

    Pros and Cons

    Pros

    • Fast Approval. Speedy Cash will get you the cash you need fast and easy.

    • Multiple Loan Options. We offer payday loans, title loans, lines of credit and installment loans. Convenient Repayment. We offer automatic debit and extended payment plans. No Hidden Fees. We are transparent about our fees and charges and we have no hidden fees or surprises in our loans.

    • Availability. Online and in-store.

    Cons

    • High Interest Rates and Fees. PDL’s have higher interest rates and fees than other types of loans so be sure to read the terms and conditions before applying.

    • Short Term Loans. They are meant to be short term solutions and not long term financial needs.

    • Risk of Debt. If not used responsibly payday loans can lead to debt and may harm your credit score.

    • Late Payment Terms. If you miss a payment you may be charged additional fees and the loan may harm your credit score.

    Reliability

    • Licensed Lender. Speedy Cash is a licensed lender in several states across the U.S.

    • Member of CFSA and OLA. Speedy Cash is a member of the Community Financial Services Association of America (CFSA) and the Online Lenders Alliance (OLA)

    • High Rates and Fees. Payday loans have higher rates and fees than other types of loans. Be aware of those costs.

    • Loan Terms and Conditions. Read the terms and conditions, including fees and rates, to make sure you can afford the monthly payments.

    • Debt Potential. Payday loans can lead to debt if not managed responsibly. Make sure you can repay the loan before applying.

    • Customer Service. As with any lender, customer service matters. Check out feedback and reviews when choosing a lender.

    How to Apply for a Speedy Cash Loan?

    Apply For a Loan

    1. Go to the Speedy Cash Website. Use your web browser to go to the Speedy Cash website. 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 on the main page or in the navigation menu.

    3. Create an Account. Click on the “Apply Now” button and you will be taken to a page where you’ll need to create an account.

    4. Fill out the Application Form. After creating your account you must fill out the loan application form. The form will ask for personal and financial information such as your name, address, employment details, income and loan amount.

    5. Review Terms and Conditions. Before submitting your application review the terms and conditions of the loan carefully. Make sure you understand the interest rates, repayment terms and fees.

    6. Submit Your Application. After reviewing all the information submit your loan application through the website.

    Conditions and Requirements

    Conditions

    • Loan Amount. The loan amount you can borrow from Speedy Cash may vary depending on the state you live in. Typically the loan amount can go up to $5,000 but this may vary from state to state. Some states may have lower loan limits.

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

    • Repayment Schedule. Speedy Cash payday loans are short-term loans that need to be repaid on your next payday. The repayment schedule and options may vary depending on state laws and your agreement with Speedy Cash.

    • Credit Check and Eligibility. Speedy Cash may do a credit check to approve your loan but they also consider other factors like your income and ability to repay.

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

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

    Requirements

    • Minimum Age. Borrowers must be 18 years or older (age may vary by state) to apply for a payday loan.

    • ID. You need to have a valid government issued ID, such as a driver’s license or state ID.

    • Proof of Income. Having a verifiable proof of income is required. This can be pay stubs, bank statements or other documents that show you can repay the loan.

    • Open and Active Checking Account. You must have an open and active checking account to receive the loan and for repayment.

    • Working Phone Number. Finally, you should provide a working phone number for communication and verification during the application process.

    Ways to Recieve the Money

    Funds can be sent to your eligible debit card after online loan document signing. Also, funds can be deposited into your bank account after online approval. Finally, if near a Speedy Cash location you can pick up cash in-store after approval.

    Products

    • Payday Loans. Short-term loans to cover unexpected expenses until your next payday.

    • Title Loans. Loans that use your vehicle’s title as collateral.

    • Installment Loans. A loan type that is paid back in multiple payments over a set period of time.

    • Line of Credit. A revolving line of credit that allows you to borrow and repay as needed.

    • Prepaid Debit Card. Speedy Cash offers prepaid debit cards for customers that don’t have a traditional bank account.

    Other Personal Loans

    Reasons for Loan Refusal

    Loan denial at Speedy Cash can happen for many reasons including not meeting state requirements, not being eligible, negative credit check results, not passing underwriting and approval process. Not meeting state database requirements for certain lending products or not passing additional verification that some applications may require can also lead to loan denial. The decision may also be based on information obtained from national credit databases like TransUnion, Equifax, LexisNexis or FactorTrust, Inc.

    Check Your Credit Score

    How to Repay a Speedy Cash Loan?

    Repay

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

     

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    Editorial Opinion

    Speedy Cash offers emergency loans with payday and installment loans. Fast approval and online applications make them convenient but high interest rates can lead to debt traps. They offer up to $5,000 depending on state laws and have both online and in-store services but high costs so borrow with caution. Consider the long term, seek financial advice and explore other loan options before using 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.

    Additional Resources

    Sources

    FAQ

    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.

    Company documents

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    Speedy Cash reviews 2025
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    4.6
    Pros
    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
    Pros
    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
    Pros
    Excellent customer service, and they consistently deposit into my checking account swiftly. Speedy Cash delivers promptly every time.
    Complain
    4.8
    Pros

    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
    Cons
    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
    Cons
    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
    Cons
    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
    Pros
    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
    Cons
    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
    Cons
    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.
    Complain
    aggregation.company.allReviews
    Company rating
    3.3
    / 5
    25 reviews
    Application
    3.1
    Support service
    3.3
    Mobile App
    3.3
    Service quality
    3.3
    Your satisfaction level
    3.4
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