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  Speedy Cash Payday Loans
Speedy Cash Payday Loans
in Payday Loans from Speedy Cash
Unaffiliated

Speedy Cash Payday Loans

Unaffiliated
in Payday Loans from Speedy Cash
SuperMoney Net Recommendation Score -39  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -39, equating to 2.2 on a 5 point rating scale.

-39

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly not recommended

18 users recommend
2 users are unsure
42 users don't recommend
Browse Reviews: 18 Recommendations | 42 Complaints
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Mostly not recommended

33 reviews
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Highlights
Community Rating Mostly not recommended
Loan Amount $100 - $1,500
Loan Fee $5.36 - $420
Minimum Monthly Income N/A
Number of Reviews 62

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 is available in 15 states across the USA.

Speedy Cash Payday Loans FAQ

What are the Speedy Cash Payday Loans rates & fees?

Speedy Cash Payday Loans offers payday loans with loan 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 can you borrow from Speedy Cash Payday Loans?

Loan amounts start at $100 and go up to $1,500.

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. Speedy Cash Payday Loans will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Speedy Cash Payday Loans. Their rates fall within the limits of The Military Lending Act.

U.S. citizens are, of course, eligible for the services offered by Speedy Cash Payday Loans. Permanent resident / green card holders are also eligible to apply.

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

  • Driver's license
  • 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). However, they may look at other databases to check your payment history.

What is the estimated funding time for a payday loan via Speedy Cash Payday Loans?

Speedy Cash Payday Loans will typically provide a credit approval decision in less than an hour and fund the loan within 3 business days.

For more information on payday loans, tribal loans, and their alternatives, read this guide.

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

Speedy Cash was founded by Chad Faulkner, Doug Rippel and Mike McKnight. The three childhood friends from Wichita, KS created the company to meet the growing consumer need for convenient, easily-accessible financial and loan services in a safe, clean and professional environment. They opened the first store in Riverside, CA in 1997.

At Speedy Cash, we believe that everyone should have access to credit regardless of credit score. Money is hard. Credit is even harder. That's where we come in. We provide access to credit for those who don't have a perfect credit score and we provide it in a timely manner (hence the name).Even during times of uncertainty, you are our top priority. Since 1997 our products and services have evolved to meet the needs of more than 5 million people online, in our stores, and over the phone. We will (always) continue to make changes to better serve you.

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.

Contact

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Availability

  Available in 15 states
  • Alaska
  • Alabama
  • California
  • Hawaii
  • Louisiana
  • Missouri
  • Mississippi
  • North Dakota
  • Nevada
  • Oklahoma
  • South Dakota
  • Tennessee
  • Texas
  • Washington
  • Wyoming

Feature Breakdown

Origination Fee ($) $5 - $75
Loan Fee $5.36 - $420
Credit Score Range 300 - 640
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
Funding Time Range 1 - 3 days
No Credit Check
Direct Deposit
Online Application
APR 176.61% - 729.82%
Loan Amount $100 - $1,500

Speedy Cash Payday Loans Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -39, equating to 2.2 on a 5 point rating scale.

-39

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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