Where does Speedy Cash do business?

Speedy Cash is a direct lender based in Wichita, KS. It was founded in 1997 and offers access to auto title loans in 24 states across the USA.

What rates does Speedy Cash charge?

Speedy Cash offers auto title loans with APRs starting at 131% and up to 521.42%.

Does Speedy Cash charge an origination fee?

Yes, Speedy Cash charges a loan origination fee.

Does Speedy Cash charge a late fee?

Yes, Speedy Cash charges borrowers a late payment fee.

Does Speedy Cash charge prepayment fees?

No, Speedy Cash does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

How much can you borrow from Speedy Cash?

Loan amounts start at $100 and go up to $25,000.

What is the maximum loan term you can get with Speedy Cash?

Speedy Cash offers auto title loans with a maximum term of 42 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for a loan with Speedy Cash?

Applicants with a credit score of at least 300 can apply for a loan via Speedy Cash. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

Only U.S. citizens and permanent residents can apply for a loan.

Speedy Cash only considers borrowers who are employed

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Proof of citizenship or residence permit
  • Recent pay stubs
  • Active duty servicemembers and their covered dependents cannot apply for a loan via Speedy Cash. The Military Lending Act prohibits lenders from charging servicemembers more than a 36% APR.

What is the estimated funding time for an auto title loan via Speedy Cash?

Speedy Cash will typically provide a credit approval decision in less than an hour and fund the loan within 0 and 1 days.

  • Credit Score Range
    300 - 640
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Joint Loan Applications Accepted
    Only Individual Applications
  • Military Status
  • Minimum Age
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Verification Documents Required?
    • Recent Pay Stubs
    • Driver License (or other photo ID)
    • Proof of citizenship/residence
  • No Prepayment Fee
  • Funding Time Range (in days)
    Up to 1
  • Payment Options
    Automatic Payments
  • Loan Amount
    $100 - $25000
  • Loan Term Range (Months)
    Up to 42
  • APR
    131% - 521.42%
  • Max Loan Term (Months)
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