Last Updated: 04/18/2025
SuperMoney User Recommendation Score -35
Mostly not recommended65 total votes
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Highlights
Community Rating
Mostly not recommended
Key Takeaway 3
N/A
Amount Range
$100 - $1,500
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Fee
$5.36 - $420
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Minimum Monthly Income
N/A
Number of Reviews
Speedy Cash Payday Loans Review
Speedy Cash Payday Loans is offered by Speedy Cash, a direct lender founded in 1997 and based in Wichita, KS. Speedy Cash Payday Loans are available in 15 states.
Speedy Cash Payday Loans FAQ
What rates and fees does Speedy Cash Payday Loans charge?
Speedy Cash Payday Loans offers advances with fees ranging from $5.36 to $420. These loans are meant as a short-term source of credit but if you calculate the annualized percentage rate of those fees you get rates ranging from 176.61% to 729.82%.
How much cash can you access from Speedy Cash Payday Loans?
Advances start at $100 and go up to $1,500 depending on how much you qualify for.
What do you need to qualify for Speedy Cash Payday Loans?
Speedy Cash Payday Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Speedy Cash Payday Loans.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Proof of identity
Does Speedy Cash Payday Loans run credit checks?
No, Speedy Cash Payday Loans will not run your credit with the three national credit reporting agencies (Equifax, Experian, and TransUnion).
What is the estimated funding time for a cash advance via Speedy Cash Payday Loans?
Speedy Cash Payday Loans will typically approve (or deny) applications within hour and fund the cash advance as soon as 1 business days of approval.
Is Speedy Cash a legit company?
Speedy Cash was founded in 1997, it is a well-established company that has been in business for 29 years. Speedy Cash Payday Loans is mostly not recommended by SuperMoney community users.
Speedy Cash Payday Loans Disclosure: Terms and rates may vary by state.
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Message from Speedy Cash Payday Loans
Message from our editor
What we love about Speedy Cash Loans personal loan
If you don't have many loan options and are desperate for cash now, then Speedy Cash may be able to help. The eligibility requirements are flexible, the application process is easy, and you can get cash fast.
What could Speedy Cash Loans do better?
The rates and costs are extremely high. For instance, on its website, the company provides examples of its finance charges by state. It's important to be cautious when signing up for these products. You can end up owing two to three times what you borrow on the longer-term loans, and many have difficulty repaying the short-term loans without reborrowing.
Speedy Cash Loans backstory
Speedy Cash is a direct lender that offers several types of financial services to its customers. It has over 20 years in business, starting as a single store in California and now licensed to serve customers in over 28 states. While payday loans are the company's main offering, it has a full lineup of additional products.
Speedy Cash is a brand of Curo Financial Technologies. Curo was founded in Riverside, California, in 1997. It now operates a selection of subprime financial services, such as Rapid Cash, Cash Money, Avío Credit, Opt+, and Revolve Finance.
The Verdict
While Speedy Cash does make loans more accessible and offers a streamlined loan process, you should explore other options before committing. Rates are high, and their customer reviews are less-than-stellar. However, if you have an emergency and bad credit, it could be just the source of fast cash you need.
Preferable routes include asking friends or family for a loan, cutting back on expenses so you can make it to your next payday, and checking to see if you can qualify for better rates and terms with another lender. Even if your credit isn't great, you still may be surprised to find you can qualify with various companies.
Want to compare Speedy Cash to other lenders? Check out what the best personal loans are to ensure that you choose the best option for you. Click here to find out the review for the lenders on Supermoney's website.