Where does Speedy Cash do business?

Speedy Cash is a direct lender based in Wichita, KS. It was founded in 1997 and offers access to personal loans in 11 states across the USA.

What range of rates does Speedy Cash offer?

Speedy Cash offers personal loans with APRs starting at 132% and up to 680.7%.

Does Speedy Cash charge an origination fee?

Yes, Speedy Cash charges a loan origination fee. 

Does Speedy Cash charge a late fee?

Yes, Speedy Cash may charge borrowers a late payment fee

Does Speedy Cash charge prepayment fees?

No, Speedy Cash does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

How much can you borrow from Speedy Cash?

Loan amounts start at $100 and go up to $5,000.

What is the maximum loan term you can get with Speedy Cash?

Speedy Cash offers personal loans with terms ranging from 1 to 18 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for a loan with Speedy Cash?

Applicants with a credit score of at least 300 can apply for a loan via Speedy Cash. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

Active duty servicemembers and their covered dependents cannot apply for a loan via Speedy Cash. The Military Lending Act prohibits lenders from charging servicemembers more than a 36% APR.

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

  • Driver's license
  • Applicants must have an active and valid checking account
  • Proof of citizenship or residence permit
  • Recent pay stubs

What is the estimated funding time for a personal loan via Speedy Cash?

Speedy Cash will typically approve (or deny) a loan application within 24 hours and fund personal loans as soon as 1 business day of approval.

  • Institution Type
    Direct Lender
  • Bank Account Required?
  • Credit Score Range
    300 - 640
  • Immigration Status Considered
    U.S. Permanent Resident
  • Joint Loan Applications Accepted
    Only Individual Applications
  • Military Status
    • Non-Military
    • Veterans
  • Minimum Age
  • Verification Documents Required?
    • Recent Pay Stubs
    • Driver License (or other photo ID)
    • Proof of citizenship/residence
  • No Prepayment Fee
  • Approval Speed (Hours)
  • Funding Time Range (in days)
    1 - 3
  • Payment Options
    Automatic Payments
  • Loan Amount
    $100 - $5000
  • Loan Term (Months)
    1 - 18
  • APR
    132% - 680.7%
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