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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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.
Other Services by Speedy Cash
SuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -35, or 2.3 on a 5-point rating scale.
-35
-1000+100
No one recommends
Everyone recommends
Speedy Cash Payday Loans Community Reviews
Would you recommend Speedy Cash Payday Loans to your friends?
SH
Sucolah H.
Feb 26, 2024
May or may not recommend
I wouldn’t even recommend them to my enemies, they are rip offs.you get a 700 loan you will end up paying off almost 2000 or 3000 by the time you pay it off.thats what they don’t show you that art where they rip you off.no stay away from them be very warned
LL
Lewellen L.
Aug 16, 2023
May or may not recommend
No I would never refer anyone to use speedy cash. Interest rate is outrageous. I was in a state of devastation losing my father who lived in another state. And needed to get a loan quick he was dieing so it had to be quick. I got the loan with out thinking it through and now been paying on this loan for about two years and asked if I could ...Show More
DG
Diane G.
Aug 3, 2023
May or may not recommend
Very nice person and helped me and helped fast
LM
Lisa M.
Jul 9, 2023
May or may not recommend
Love, love, love Speedy Cash. Even when my bank made a error and took out $1.50 from the money for payment it showed I was delinquent on payment. All was resolved 7 days past due date and as soon as it was all cleared I was eligible right away for another loan. Yes I recommend Speedy Cash 5+ stars
CG
Charles G.
Nov 15, 2022
May or may not recommend
It's a trap, for a 300 dollar loan I paid back 341 dollars so far and still owe 372 dollars. Only a little bit of your re-payment money is applied to the actual loan the remainder is collected for interest and fees. Your loan balance continues to inflate everday.
RD
Rommel D.
Feb 11, 2022
May or may not recommend
good company and easy to talk,good staff and wasy to handle
GJ
Gregory J.
Jun 7, 2021
May or may not recommend
I was scam by Robert Green out of 1300 dollers he said he was a loan officer at speedy cash
BW
Brianne W.
Dec 1, 2020
May or may not recommend
This could be good for someone that needs money quick and are in a pinch. You could do payday loans, title loans, and installment loans. Installment loans would be the best option in my opinion if you really needed some cash. You don't have to pay the whole thing back right away, you just make payments and if you are really good with paying back and on time then you ...Show More
PS
Patricia S.
Mar 26, 2020
May or may not recommend
They do not work with you. I keep asking for my paydays to change to the 16 and 1st due to my pay checks have changed. When I call them they say okay has been changed and then the next day they take a payment. Plus there interest rates are really high!!!
JS
James S.
Mar 24, 2020
May or may not recommend
Easy helpful quick
Nice caring fun fast no credit needed
Margaret C.
Feb 4, 2020
May or may not recommend
I really on them to help, so I tell my friends.
CV
Chris V.
Dec 19, 2019
May or may not recommend
its amazing sight it offers valuable information its great to help people
Carolyn G.
Oct 10, 2019
May or may not recommend
DO NOT TRUST THESE EVIL SHADDY RACIST LYING LOW LIVES AT SPEEDY CASH. THE CRAZY MISERABLE LYING STORE MANAGER ERICA L.,WILL LIE TO YOUR FACE... WITH SELECTIVE CUSTOMERS SHE CHOOSES TO DENY LOANS TO...SIMPLY TO BE EVIL AND TO ELEVATE HER OWN CRAZY MISERABLE SELF...BY TELLING YOU, YOU ARE DENIED AN INSTALLMENT LOAN IN OUR SYSTEM BUT SHE DOESN'T KNOW WHY. I went on to contact Veritec Solutions, LLC and ...Show More
BW
Betty W.
Oct 8, 2019
May or may not recommend
If your information of your bank account has change or 1 day late to paid, Speedy cash will reject for another loan request . There business practice is bad.
Kay N.
Sep 23, 2019
May or may not recommend
Extremely high rates and if you ever have to postpone a payment it will put you in an even deeper hole with them. I've been paying them for over a year before I put a stop payment on them through my bank. Since they couldn't get the money off of my debit card they put it through ad an ACH transaction so I placed another stop pay through my bank ...Show More
Manny W.
Sep 19, 2019
May or may not recommend
I dealt with this company for my daughter. Had payed off her account per e-check in full, continued to have payments taken out of her account for 6 more weeks. It took Speedy Cash 6 weeks to deposit a payment in full to the account, costing my daughter an additional $200 in interest and fees. Absolutely inappropriate business practices! I understand that this company profits from desperate customers, but this ...Show More
RC
Rogerio C.
Sep 17, 2019
May or may not recommend
On the phone to get a loan application and the customer service agent kept on arguing with me. I finally said no when they asked me for my bank personal login credentials? Security Risk anyone? After explaining about Personal Identifiable Information (PII) and the security risks he kept interrupting me mid sentence and telling me it is my choice without any concern . I may not be in the best ...Show More
RS
Reevone S.
Sep 12, 2019
May or may not recommend
I borrowed $200 loan paid$66 three times now they still say I owe over a $100 they just full of crap Do not take the loan ....
AS
Alec S.
Sep 8, 2019
May or may not recommend
Interest rates are ridiculous. I got a loan of $500 and won’t be done paying off for two years of a total of $2023 after interest. RIDICULOUS
Tianna T.
Sep 2, 2019
May or may not recommend
I literally got approved for 500 and they want me to pay 3000 back ! Dont ever get a loan from them i didnt folllow through it because the interest is way to high. They are a rip off. fair warning
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