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)

Apply For Speedy Cash

Advertiser Disclosure
Konstantin Tochonyi - CEO Finanso®
Konstantin Tochonyi - CEO Finanso®

We have developed for you a convenient company page for Speedy Cash in the US . Here you can learn more about the company, get acquainted with its credit products, read the rules for the provision of services, watch video instructions, read customer reviews and leave your own one. Pay attention to our bonus system.

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Konstantin Tochonyi - CEO Finanso®
Konstantin Tochonyi - CEO Finanso®

Finanso believes everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. 

The exclusive right to Speedy Cash trademarks of third parties, including financial organizations, depicted on Finanso® belongs to their copyright holders in accordance with publications in the open registers of authorized bodies. Trademarks of third parties depicted on finanso.com, are indicated for informational purposes only.

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Applying for a Speedy Cash loan is a straightforward process that can be done online or in-store. Online, users simply create an account, complete the application form with personal and financial information, and submit it for review. In-store, applicants can visit a local Speedy Cash location, fill out the necessary paperwork, and provide identification for verification. Once the application is submitted, it is reviewed quickly, and if approved, funds can be disbursed promptly. The process is designed to be quick and convenient, providing access to funds when needed.

speedy cash apply

How to Apply for a Speedy Cash Loan

  1. Visit the Speedy Cash website. Go to the Speedy Cash website and select the type of loan you wish to apply for.

  2. Complete the online application. Fill out the online application form with your personal, income, and banking information.

  3. Submit the application. Once you have completed the application, submit it for review by clicking the "Submit" button.

  4. Wait for approval. Speedy Cash will review your application and make a decision on your loan eligibility. This process may take a few minutes to a few hours, depending on the loan type and your circumstances.

  5. Receive your loan. If you are approved for a loan, you will receive the loan funds directly into your checking account.

Conditions

  1. Loan Term. The loan term can be up to 13 months.

  2. APR. The Annual Percentage Rate (APR) may be up to 730%.

  3. Loan Amount. You can borrow up to $5,000.

Requirements

  1. Age and Citizenship. You must be at least 18 years old and be a U.S. citizen or permanent resident.

  2. Identification. A valid Social Security number or Individual Taxpayer Identification Number is required, along with a government-issued photo ID such as a driver's license or passport.

  3. Residency. You need to reside in one of the states where Speedy Cash operates.

  4. Income. Having a steady income is crucial as it impacts your ability to repay the loan.

Reasons for Rejection

  • Insufficient Credit Score. Your credit score does not meet Speedy Cash's minimum credit underwriting requirements.

  • Inadequate Credit History. Limited or no credit history can make it difficult for Speedy Cash to assess your creditworthiness.

  • High Debt-to-Income Ratio. A high ratio of debt to income indicates that you might have difficulty managing additional loan payments.

  • Unverifiable Information. Inability to verify the personal, employment, or income information provided in your application.

  • Employment Status. Lack of stable employment or a verifiable source of regular income.

Additional Resources

FAQ

Is it possible to get a loan with a bad credit history?

Yes, it is possible to get a loan with a bad credit history, although it may be more challenging. In such a case, you may need to look for loan options that cater to people with poor credit, such as payday loans, personal loans from alternative lenders, or secured loans.

Payday loans and personal loans from alternative lenders may offer quick funding, but they may also come with higher interest rates and fees, so it's important to understand the terms and conditions of the loan and ensure that you can afford the repayments.

Secured loans, such as auto title loans or pawn shop loans, may also be available for people with bad credit. In these types of loans, you pledge an asset, such as a car or jewelry, as collateral for the loan. The loan amount and terms will depend on the value of the collateral.

It's important to remember that taking out a loan with a high-interest rate or unfavorable terms can make your financial situation worse, so it's a good idea to consider your options carefully and choose a loan that meets your needs and financial situation.

How long are applications considered?

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.

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.

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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
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Speedy Cash reviews 2025
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04.01.2024 at 04:55
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.
0 comments
Complain
30.12.2023 at 16:08
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.
0 comments
Complain
29.12.2023 at 11:08
4.2
Pros
Excellent customer service, and they consistently deposit into my checking account swiftly. Speedy Cash delivers promptly every time.
0 comments
Complain
26.12.2023 at 01:25
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!
0 comments
Complain
20.12.2023 at 03:30
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.
0 comments
Complain
14.12.2023 at 11:15
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.
0 comments
Complain
10.12.2023 at 09:40
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!
0 comments
Complain
03.12.2023 at 18:30
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.
0 comments
Complain
02.12.2023 at 00:35
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.
0 comments
Complain
27.11.2023 at 02:20
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.
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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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