Features

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.

  • Advance Fee APR
    391.07% - 664.29%
  • Desired Loan Amount
    $100 - $500
  • No Credit Check
  • No Other Outstanding Loans
  • Direct Deposit
  • Instant Decision
  • Online Application
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0 votes

I have used a few different pay day loan centers in the past but speedy cash is by far the best. Instead of two payments a month you only pay once a month. They are high in interest but not as bad as any others I have seen. I started out only paying $5 extra compared to what they ask and continued to up that amount based on the idea that the interest goes down when the principal goes down it was easy to pay off and they really are ... there for you when you need them. Customer service rocks and is good to work with you if your struggling More Less


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

I use Speedy Cash a lot and never had any problems. They always debit my account on schedule and my rate goes down every time i use them. i would recommend them.


0 votes

Rude people, high rates, aren't I the customer here? Shouldnt you be a little nicer to me and not treat me like a total idiot? I will never go back to these people again.


0 votes

I would have to say I am glad that I came to Speedy Cash! I am currently relocating and needed the money to pay off some debt. The application process was quick and easy and I was approved instantly!


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

Thank you Speedy Cash for providing me with excelent customer service and a extremely rapid loan. I spoke with you customer service agents and they answered all my questions and made me feel comfortable with everything!

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


0 votes

I have used just about every payday loan place there is. In my opinion Speedy cash is the easiest , friendliest and transparent loan place by far. They even are helping me raise my credit score. Just be careful to only borrow what you can pay back.


0 votes

I've been using Speedy Cash for quite some time now, and have been really satisfied. The application process is super simple and quick, and the service is always pleasant. Recently, though, I have sent about 5 people over to Speedy Cash, away from their regular payday lenders. I have an issue with the fact that they don't have any sort of referral program. I've asked about it, with no luck. I don't want to put in the effort of recommending this company, when they don't have a similar program in ... place. More Less


0 votes

My credit is not good, I'm attempting to rebuild and I am typically eligible only for a payday advance type of product. I was approved quickly and the interest rate while still much higher than what I paid when I had good credit.

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.


0 votes

This company seems suspicious. I felt like I was in an interrogation. They asked some strange questions, and after all that questioning was over, they said I could not use my payroll check?! Isn't that usually what they do? apparently my check was not a company verified by them... Ill make sure to tell my employer to get on that...


0 votes

There is no speed involved with the speedy cash services. They claim to get you money fast and easy, but that is a bunch of crap! Everytime I thought maybe the roadblocks were taken care of, they backtrack and try to re- negotiate from the beginning. Such a headache


0 votes

The cashiers at my local speedy cash are far more concerned with their person weekend and or lunch plans than helping me understand what I am getting into with a loan. I was so aggitated by the time I left, I dont even know the difference between how much my first payment and how much the cashiers paid on getting their nails done last week


0 votes

If I could give no stars, I WOULD! Speedycaash is the biggest ripoff ever! I don't even think I could stop ranting about this company's deficiencies once I got started, so take my advise and avoid at all costs!


0 votes

They charge WAY too much interest and treat you like you're a criminal if you fall behind. I hate all payday loan companies.They said that their customer relations department would call me on Monday. They'll just tell me the same spiel and not help me, I'm sure.


1 votes

Just so everyone knows, you will pay at least 20% on top of what you borrow. It is like voluntarily walking into a robbery. They suck, and they are rude to boot. I wish I never walked into Speedy cash. If I could do zero stars or negative stars, I definately would.


0 votes

I talked someone about extending my loan because my wife lost her job.. The person told me she would extend my loan. The next day they went into my account and took money which put me in a greater debt.


0 votes

I have used them three times previously and each time gets worse. They lower my loan amount the more I use them & I always pay them off right away. (NEVER LATE) & I'm making higher income not even that I've DONE LOANS BEFORE. They always require me to call in wait hours just to tell me to resend a document I've already sent because they are too lazy to read. You call in they say everything is fine and then later someone else say you need to resend the ... same thing. If you want to be inconvenienced then use them. This process took two days and I just changed my mind. More Less


0 votes

These people could not actually take my $500 company check. Not really skilled or helpful in any way. And tried to sign us onto a prepaid card. Wasted an hour on this, When i should have went to my usual spot, lendup... exactly what you need just 10 minutes. This was a really frustrating adventure. Not again.


0 votes

I only use Speedy cash when I'm in a real bad spot financially. its the only place near me, so I don't know how they compare. The staff is always super helpful, although I have had to call customer services a few times due to small errors. I don't necessarily recommend payday loans unless you really need them, because it isn't like it really gives you anything but time and another bill.


1 votes

I cannot express enough how much people should not use speedy cash,unless you are willing to pay 2-3 thousand in intrest on a $500 dollar loan! It should be illegal for this company to rip people off who are already hurting for money. DO NOT EVER USE SPEEDY CASH!


0 votes

I am one of the only people I know that still has a septic tank, and it is such a pain, because when it floods it is truly a crappy nightmare. I needed to hire someone to fix it, but didnt have the cash onhand. I went to speedy cash and got my loan that day. Happy to be living with a working system, thanks to speedyy cash


0 votes

These guys asked me questions I have never had to answer before to cash a check. He also couldnt tell me the charge for cashing the check until after he completed the process. After filling out the ridiculous application I stood at the window for half an hour with my children. Finally gave up and walked away.


0 votes

Speedy cash wasnt so bad. I just needed a quick $100 till payday, and it was worth the total repayment of $118. If you need it you need it. I would hate to need their expensive solution often, but they did what they advertised and if I am ever i n a real bind again, I know where to go


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