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  Speedy Cash Express Installment Loans

Speedy Cash Express Installment Loans

in Personal Loans from Speedy Cash

Unaffiliated

Speedy Cash Express Installment Loans

Unaffiliated

in Personal Loans from Speedy Cash

SuperMoney Net Recommendation Score -45

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -45, equating to 2.1 on a 5 point rating scale.

-45

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

3 users recommend
0 users are unsure
8 users don't recommend
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Highlights
Community Rating Mostly not recommended
APR  (Fixed APR) 132% - 680.7%
Loan Amount $100 - $5,000
Loan Term (Months) 1 - 18 months
Number of Reviews 11

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 Express Installment Loans is available in 11 states across the USA.

Key Takeaways
  • APRs starting at 132%. Interest rates vary by state. Personal loan interest rates typically range between 5% and 36%. The starting rates for Speedy Cash Express Installment Loans are on the higher end of the spectrum.
  • Fast access to funds. In some cases you can get your money within 1 business day.
  • Hard credit pull required. You can't check your rates or see if you prequalify for Speedy Cash Express Installment Loans without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
  • Short loan terms. Speedy Cash Express Installment Loans offers loan terms as short as 1 month. Most personal loans have a minimum term of 12 to 36 months.
Speedy Cash Pros & Cons
Pros Cons
  • $0 prepayment fee.
  • Considers applicants with fair credit.
  • Funding available within 3 business days.
  • APRs as high as 680.7%.
  • Charges an origination fee.
  • Do not offer pre-approval with soft credit pull.
  • Speedy Cash Express Installment Loans does not report to credit bureaus.
  • Charges a late fee.
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?

Business 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?

Yes, Speedy Cash may charge borrowers a late payment fee if you miss one of the monthly payments.

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 No
Prepayment Fee No
Late Payment Fee No

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.

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. APRs for the Speedy Cash Express Installment Loans product fall outside of the MLA limits, and as a result, the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

Permanent resident / green card holders are also eligible to apply.

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
  • Proof of citizenship or residence permit
Speedy Cash Eligibility Criteria
Minimum Age 18
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 approve (or deny) a loan application within 24 hours and fund loans within 3 business days of approval.

    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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    Availability

      Available in 11 states
    • California
    • Colorado
    • Illinois
    • Missouri
    • Mississippi
    • New Mexico
    • Nevada
    • Ohio
    • South Carolina
    • Texas
    • Wisconsin

    Feature Breakdown

    No Prepayment Fee
    Checking Account Required
    Immigration Status Considered
    • U.S. Permanent Resident
    Joint Loan Applications Accepted
    • Individual Applications
    Military Status
    • Non-Military
    • Veterans
    Minimum Age 18
    Verification Documents Required
    • Driver License (or other photo ID)
    • Proof of citizenship/residence (Green Card)
    • Recent Pay Stubs
    Credit Score Range 300 - 640
    Loan Amount $100 - $5,000
    APR (Fixed APR) 132% - 680.7%
    Loan Term 1 - 18 months

    Speedy Cash Express Installment Loans Community Reviews

     

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    SUPERMONEY NET RECOMMENDATION SCORE

    This product is mostly not recommended by SuperMoney users with a score of -45, equating to 2.1 on a 5 point rating scale.

    -45

    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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