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3.3
(25 Ratings)

Apply For Speedy Cash

Advertiser Disclosure

How To Apply for a loan from Speedy Cash online?

  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.

It's important to note that loan terms, fees, and interest rates may vary depending on your state of residence and the type of loan you choose. Be sure to carefully review the loan agreement before accepting the loan to ensure you understand the terms and conditions

Application Details

When applying for a loan from Speedy Cash, you will typically need to provide the following information and documentation:

  1. Personal information. This includes your name, address, phone number, and date of birth.
  2. Income information. You will need to provide information about your employment and income, including your employer's name and contact information. You may also be asked to provide proof of income, such as a recent pay stub or bank statement.
  3. Banking information. You will need to provide your checking account information to receive the loan and make payments.
  4. Identification. You will need to provide a government-issued photo ID, such as a driver's license or passport, to verify your identity.

Additionally, depending on the type of loan you are applying for, you may be required to provide additional information, such as the title to your vehicle for a title loan, or the details of your current debts for a debt consolidation loan.

It's important to be truthful and accurate when providing this information, as any false statements or misrepresentations could result in loan denial or even legal consequences

Requirements

To be eligible for a loan from Speedy Cash, you will typically need to meet the following requirements:

  1. Age. You must be 18 years or older.
  2. Residency. You must be a resident of the state where you are applying for a loan.
  3. Income. You must have a steady source of income to repay the loan. This may include employment income, self-employment income, or government benefits.
  4. Banking information. You will need a checking account to receive the loan and make payments.
  5. Identification. You will need to provide a government-issued photo ID.

These requirements may vary depending on the type of loan you are applying for and your state of residence, so it's a good idea to check the specific requirements for your location on the Speedy Cash website or by speaking with a representative. Additionally, even if you meet the eligibility requirements, approval for a loan is not guaranteed and will be based on an evaluation of your overall financial situation

Products

Speedy Cash offers a range of financial products, including:

  1. Payday loans. Short-term loans designed to help you cover unexpected expenses until your next payday.
  2. Title loans. Loans that use your vehicle as collateral.
  3. Installment loans. Longer-term loans that can be paid back over a set period of time.
  4. Line of credit loans. Loans that provide you with a line of credit that you can draw from as needed.
  5. Online loans. Loans that can be applied for and processed entirely online.
  6. Check cashing. Services that allow you to cash checks quickly and easily.
  7. Money transfers. Services that allow you to transfer money to friends and family both domestically and internationally.
  8. Bill payments. Services that allow you to pay bills quickly and easily.
  9. Pre-paid debit cards. Reloadable debit cards that can be used anywhere Visa or Mastercard is accepted.

These products and services vary by state, so it is best to check with a local Speedy Cash store or the website for more information on the products and services available in your area.

Speedy Cash and Payday Loans

Speedy Cash is a financial services company that offers a range of loan products, including payday loans. A payday loan is a short-term, high-interest loan that is meant to be repaid on the borrower's next payday.

With a payday loan from Speedy Cash, you can borrow a small amount of money, usually between $100 and $1,000, to cover unexpected expenses or emergencies. The loan is typically due on your next payday, and the repayment process is automated through a direct debit from your checking account.

Payday loans can be a quick and convenient way to access cash when you need it, but it's important to understand the risks involved. The high interest rates associated with payday loans can quickly escalate the cost of the loan, making it difficult to repay. Additionally, if you are unable to repay the loan on time, you may incur additional fees or be forced to roll over the loan, which can lead to a cycle of debt.

Before taking out a payday loan from Speedy Cash or any other lender, it's important to carefully consider your financial situation and the terms of the loan. Make sure you understand the total cost of the loan, including the interest and fees, and ensure you can repay the loan on time to avoid additional financial hardship.

Speedy Cash and Title Loans

Speedy Cash is a financial services company that offers title loans as one of its loan products. A title loan is a type of secured loan that allows you to borrow money using the title to your vehicle as collateral.

With a title loan from Speedy Cash, you can borrow a larger amount of money, typically between $100 and $25,000, depending on the value of your vehicle. You will need to provide the title to your vehicle to the lender, who will hold onto it until the loan is repaid.

Title loans can be a quick and convenient way to access cash when you need it, but it's important to understand the risks involved. Because the loan is secured by your vehicle, there is a risk of losing your vehicle if you are unable to repay the loan on time. Additionally, title loans often come with high interest rates and fees, which can make it difficult to repay the loan and potentially result in a cycle of debt.

Before taking out a title loan from Speedy Cash or any other lender, it's important to carefully consider your financial situation and the terms of the loan. Make sure you understand the total cost of the loan, including the interest and fees, and ensure you can repay the loan on time to avoid losing your vehicle or incurring additional financial hardship.

Required Documents and Requirements

The required documents and requirements for a loan from Speedy Cash may vary based on the type of loan and your location. However, some common requirements include:

  1. Proof of income. You may need to provide proof of income, such as a recent pay stub or bank statement, to demonstrate your ability to repay the loan.
  2. Identification. You will need to provide a valid government-issued photo ID, such as a driver's license or passport.
  3. Residency. You will need to provide proof of residency, such as a utility bill or bank statement.
  4. Bank account information. You will need to provide information about your active checking account, as the loan proceeds will typically be deposited into this account.
  5. Vehicle information. If you are applying for a title loan, you will need to provide information about the vehicle you are using as collateral. This may include the make, model, year, and mileage of the vehicle.
  6. Social Security number. You may need to provide your Social Security number to verify your identity.

Note: The specific requirements and documents required for a loan from Speedy Cash may vary by state. It is best to check with a local Speedy Cash store or the website for more information on the requirements and documents needed in your area.

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.

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 do you get approved for Speedy Cash?

To be approved for a loan from Speedy Cash, you need to meet the eligibility requirements and provide the required information and documentation. Here are the steps to apply for a loan from Speedy Cash:

  1. Choose the loan product that fits your needs. Speedy Cash offers payday loans, title loans, and other financial services. Choose the loan product that best fits your needs and the amount you want to borrow.
  2. Submit an application. You can apply for a loan from Speedy Cash online, by phone, or in-store. Fill out the application with accurate and truthful information, including your personal information, income, and banking information.
  3. Provide identification. You will need to provide a government-issued photo ID to verify your identity.
  4. Provide proof of income. You may be asked to provide proof of income, such as a recent pay stub or bank statement, to support your loan application.
  5. Evaluate the loan offer. If approved, you will receive a loan offer detailing the terms and conditions of the loan, including the interest rate, fees, and repayment terms. Review the offer carefully to make sure you understand and agree with the terms before accepting.
  6. Receive funding. If you accept the loan offer, the funds will be disbursed to you, either by direct deposit into your bank account or in cash, depending on your preferred method.

It's important to note that approval for a loan from Speedy Cash is not guaranteed and will depend on an evaluation of your financial situation and creditworthiness.

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 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.

Is Speedy Cash a real loan company?

Yes, Speedy Cash is a real loan company that provides various financial services, including payday loans, installment loans, title loans, and lines of credit. They have physical locations in multiple states and also offer online lending services.

Does everyone get approved for Speedy Cash?

No, not everyone gets approved for a loan from Speedy Cash. Approval for a loan depends on various factors such as credit score, income, and debt-to-income ratio, among others. Speedy Cash, like any other lender, will assess an applicant's ability to repay the loan and make a decision based on that evaluation. It's important to note that even if you are approved for a loan, the terms and interest rate offered may not be favorable. It's always a good idea to carefully consider your financial situation and the terms of the loan before accepting an offer.

Offers
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3.09
(20 Ratings)
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from 4.00 %
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3.75
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to 1 months
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Speedy Cash reviews 2024
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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.
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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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