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Last Updated: 04/18/2025

Speedy Cash Express Installment Loans

in Personal Loans from Speedy Cash

Last Updated: 04/18/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Mostly not recommended12 total votes

4 users recommend

8 users don't recommend

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Highlights

Community Rating

Mostly not recommended

APR (Fixed APR)

132% - 680.7%(Verified 06/21/2024)

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Amount Range

$100 - $5,000

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Loan Term (Months)

1 - 18

Number of Reviews

Speedy Cash Express Installment Loans Review

Speedy Cash Express Installment Loans is offered by Speedy Cash, a direct lender founded in 1997 and based in Wichita, KS. Speedy Cash are available in 11 states.

Key Takeaways

APRs starting at 132%. Interest rates vary by state. Personal loan interest rates typically range between 9% and 36%. The starting rates for Speedy Cash Express Installment Loans are on the higher end of the spectrum.
Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
Short loan terms. Speedy Cash Express Installment Loans have loan terms as short as 1 month.

Speedy Cash Pros & Cons

Pros

Cons

No prepayment penalty.
Considers applicants of all credit types.
Get funded in as little as 1 business day.

APRs as high as 680.7%.
Charges an origination fee.
Does not offer pre-approval with soft credit pull.
Speedy Cash Express Installment Loans does not report to credit bureaus.
No co-sign option available.

Speedy Cash FAQ

What interest rates and personal loan terms does Speedy Cash offer?

Speedy Cash has higher than average interest rates for lenders reviewed on SuperMoney.

What interest rates does Speedy Cash offer?

Speedy Cash offers a fixed APR personal loan product that ranges from 132% APR up to 680.7% APR. Interest rates vary by state.

How much can you borrow via Speedy Cash?

Personal loan amounts start at $100 and go up to $5,000 (Credit limits vary by state.)

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

Speedy Cash offers loans with terms of up to 18 months.

Speedy Cash Interest Rates & Loan Terms

Personal Loan Amount

$100 - $5000

Loan Term

1 - 18 months

APR

132% - 680.7%

What fees does Speedy Cash charge?

Does Speedy Cash charge an origination fee?

Speedy Cash may charge a personal loan origination fee (origination fees and requirements vary by state).

Does Speedy Cash charge a late fee?

Speedy Cash does not disclose whether it charges late payment fees.

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 personal loan off early.

Speedy Cash Fees

Origination Fee

Prepayment Fee

Late Payment Fee

What do you need to qualify for Speedy Cash Express Installment Loans?

The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Speedy Cash Express Installment Loans does not have or does not disclose a minimum annual income eligibility requirement.

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

Applicants must have an active and valid personal checking account
Recent pay stubs
Driver's license or other government photo ID
Proof of citizenship or residence permit

Speedy Cash Eligibility Criteria

Minimum Age

Bank Account Required?

Yes

Credit Score

300 - 640

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

Speedy Cash will typically fund loans within 1 to 3 business days of approval and clearing necessary verifications.

Does Speedy Cash perform a hard credit pull?

Yes, Speedy Cash performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

Are Speedy Cash Express Installment Loans legit?

Speedy Cash was founded in 1997, it is a well-established company that has been in business for 29 years. Speedy Cash Express Installment Loans is mostly not recommended by SuperMoney community users.

Speedy Cash Express Installment 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.

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Headquarters

3527 N Ridge Rd

Wichita, KS 67205

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