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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 apply


How to apply

When you apply for an installment loan, your credit score may be lowered by a few points because of the credit check. The application procedure for installment loans is straightforward. You must give your full name and birthday, valid ID, home address, stable source of income, and open an account while applying on their official website. Please consider that your application's approval varies on the valid documents you submitted during the process and should be taken seriously. Installment can be made automatically. You may set up automatic payments to have your cash debited from your checking account on a monthly basis. The entire procedure takes around 10 minutes, from application to cash. If the application is granted, this approach ensures a one-day funding process.

How long are applications considered, and what information on their business hours?

The process of applying over the mobile is similar to using digitally. You get the cash in your savings account within one business day. The application process usually takes up to 5-10 minutes, and the verification depends on the qualifying factors that need to be met. Customer Service Representatives are ready to reach you from Monday to Friday between 9:00 a.m. and 4:00 p.m. PST.

How to apply for a loan?

Applying for a loan online is made easier through their website . The lenders will process your application and offer you a quick financing decision after it has been submitted. Your application's approval varies on the valid documents you submitted during the process. You may choose how much you want to borrow up to your maximum approval amount if you're authorized. You need to prove a steady source of income and an active checking account. Installments can be made automatically. You may set up automatic payments to have your money debited from your checking account monthly.


How long does it take to get approved?

You could get accepted for a loan in as little as 10 minutes. You'll get your money through several methods if they approve your application. Take into account that your application's approval varies on the valid documents you submitted during the process.

How trustworthy is Speedy Cash?

While its interest rates are high, it is a reliable alternative for customers who want cash quickly and have enough budget for repayment within the specified time frame.

Does Speedy Cash verify income?

On your application, they take personal and budget information. You need to fill in income information to confirm that you fulfill income standards, your birth date, proper ID to verify that you are of legal age, and your mobile number to ensure the maximum loan amount available in your state.

Does Speedy Cash hurt your credit score?

Yes, they might harm your credit score. If you miss a repayment, the lenders will report it to the loan bureaus, thus lowering your credit score.

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

1000 $
26000 $
Loan term

Specify the loan term for the calculation


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.

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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 May 2022