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Last Updated: 04/18/2025

Speedy Cash Express Installment 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)

Disclaimer popup with additional information

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, Speedy Cash will send the money in as little as 24 hours.
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

Application Types Accepted

Individual Applications

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.

Contact

Headquarters

3527 N Ridge Rd

Wichita, KS 67205

Visit Site

Email Support

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SuperMoney Net Recommendation Score

SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -33, or 2.3 on a 5-point rating scale.

-33

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Speedy Cash Express Installment Loans Community Reviews

Would you recommend Speedy Cash Express Installment Loans to your friends?

Richard M.

Aug 8, 2023

May or may not recommend

They keep their promises and make sure that you can pay you longer

Alex W.

Dec 18, 2020

May or may not recommend

Had a horrible time with the whole process getting a loan, even such a small loan. Took me a while after the website kept restarting on me. Not sure if it was my phone, my phone usually works well. Well, after providing all my information, I got a notice to call them to fix an error. I called but it was a while to reach them. Such a hassle.

Anonymous

May 1, 2020

May or may not recommend

Approved me for a loan but wanted my bank account login in order for me to get loan

Anonymous

Jan 17, 2020

May or may not recommend

Yes they rates are very low and affordable. When my money get low you always count on them help you out

Gary R.

Sep 20, 2019

May or may not recommend

Best place to get loans in my opinion they helped me out

Denise S.

May 23, 2019

May or may not recommend

I have had this loan 3 times and it is fast and easy no hassle

Steve S.

Sep 19, 2018

May or may not recommend

not at all happy with the customer service... DON'T USE!!!

Kekelo123 B.

Aug 28, 2018

May or may not recommend

That 135% APR is just sick. They have no business charging consumers that ridiculous amount of interest.

Angel M.

Feb 20, 2018

May or may not recommend

It’s honestly honestly one of the worst place you can imagine. Their APR rate is so high. I took out a personal loan of $4000 with a monthly payment of $305. The term was for 3 years and a half which means I was getting charged 9,000 and some change of just interest. I’m not exaggerating. Long story short I got home and really taught about it and went back ...Show More

Bonnie H.

Jun 19, 2017

May or may not recommend

I would like the states and cities to know that Speedy Cash in AZ, has the best customer service e people ever, not demanding very helpful and considerate of their customers. My opinion they are the best, my ladies name was Laura and her supervisor in the AZ area, I give e 10 stars. Real with them, they are really nice with me. ...Show More

Anonymous

Aug 26, 2016

May or may not recommend

They ripped me off by asking for money up front and then renigged on the loan. Beware

Anonymous

May 31, 2016

May or may not recommend

Liar, liar pants on fire! Don't use this company because they will give you the run around. Complete joke and waste of time.

Showing 12 of 12 reviews