SpeedyCash is a direct lender that offers a wide selection of financial services both online and at its brick-and-mortar locations. The company is based Wichita Kansas, but has offices and is licensed to operate in states throughout the West and Midwest. As well as payday loans, which are its main product, SpeedyCash offers lines of credit, title loans, installment loans, cash for gold and debit card loans.

How Does It Work?

To get a loan you must complete an online application form. If you are approved, choose how much you want to borrow up to your maximum loan amount. Once you electronically sign the documents you can either pick up the money from your closest office or request a bank transfer.

What Are The Interest Rates?

Interest rates vary depending on the state you live in. This is because laws on short-term loans differ from state to state. A typical fee is $18 for every $100 you borrow. For instance, a $255 loan, has a $45 charge. This translates into an APR of 460.08% for a 14-day term and 214.71% for the same loan with a 30-day term. The shorter the term, the higher the APR. In some states, such as Alaska, the charge is $15 per $100 borrowed, which gives you an APR of 182.50% for a 30-day term. Installment loans are priced at around 180% APR.

How Much Money Can I Borrow?

Maximum loan amounts vary by state. The maximum range is $100 to $2,600, but this includes installment loans. The maximum payday loan is $500. Lines of credit, which are similar to payday loans, have a maximum loan amount of $750.

What Is the Application Process Like?

As with most online payday lenders, the process is fast and easy to navigate. The application form requests information such as your address, phone number, place of employment, income, pay dates and checking account information. If your application is approved you can pick up the money immediately from a SpeedyCash office or, if you have one, get the funds loaded onto your Opt+ Visa Prepaid Debit Card. Otherwise you can have the money wired to your bank account.

How Is It Better Than Other Lenders?

SpeedyCash offers a selection of short-term products to choose from and you can choose between waiting for a bank transfer and getting your cash instantly by either picking up the cash from one of their offices or loading it onto a prepaid card. It is a direct lender and is licensed in all the states where it operates.

  • Loan Amount
    $100 - $500
  • APR
    391.07% - 664.29%
  • Credit Score Range
    300 - 640
  • Immigration Status Considered
  • Military Status
  • Supported Income Types
  • Direct Deposit
  • Online Application
  • No Credit Check
  • Funding Time
    Next business day
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0 votes

I tried to apply for a loan. Gave local store my debit card to verify my checking account. Was informed a loan was already out in my name which was done fraudulently. Was told by clerk to contact their fraud department there was already notes on the account stating the loan was taken out fraudulently. A few days later speedy cash used my debit card and debited $910 out of my account to pay that fraudulent loan which I did not take out . When I ... questioned manager about this charge he typed my information in on the screen did some other things on the computer and said that they never debited my account with my card that they did not have my information such a big liar my bank verified that speedy cash used my debit card without my permission . This company is one huge scam do not use them ever More Less

0 votes

Piss poor service and high interest rates on the loans. I am also filing a report with the better business Bureau and the Federal Trade Commission on how you fraudulent your company is.

0 votes

Have had an easy and fast experience. I applied, was approved and got the money. The terms of repayment were clear. I Will use again

0 votes

They do not tell you the truth, the loan officer told me I have a 30 day loan, mow, I asked this lady 3 times before I hung up the phone, well two weeks later the money is taken out of my account, well, I called and the other loan officer said they do not have 30 day loans just payday loans, they got me this time, bunch of no good ass people, all they is your business, assholes, do not borrow from these people.

0 votes

Of every place we have ever dealt with, whether it be the cable company, our water department, the electricity company or even past loan providers, we have never had any of them send such a beautiful letter. The lady that helped us listened to every single thing we said. The letter we received, in summary, said; "I am so happy that I could help your wife and you. I also hope that your puppy is doing well and that we appreciate everything." We had told her of our baby ... (our 9 month old baby Chihuahua 'Blue Bell' that had jumped off the couch and had broken her leg in two places. She was delited to see her and even see the pictures of her in her cast and asked how she was currently doing!! Thank all of you, especially who helped us, for making us feel like way more than a number. Now thanks to all of you, the $2600 surgery bill to help out our baby's broken leg is even closer to being paid off. We needed some help and you were there. I appreciate it from the bottom of my heart. So I give you the most that I can do for now, THANK YOU!!!!! P.S. An even bigger Thank You from Blue Bell.... More Less

1 votes

When your short on cash and bills are due. Speedy cash is their to save your credit. Than just pay them back each month with a simple payment, as you go.

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