Speedy Cash

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Speedy Cash

This lender offers payday loans, installment loans, and lines of credit to customers in-store, online, and over the phone

Since opening its doors in 1997, Speedy Cash has become one of the largest, fastest growing providers of short-term loans and financial services in the United States, Canada, and the United Kingdom. 

The company offers a variety of convenient, easily-accessible financial services, such as payday loans, title loans, installment loans, lines of credit, check cashing, cash for gold, and prepaid cards. Speedy Cash is proud to serve their customers in physical locations, online, over the phone, and via a mobile app.

Keep reading for pros and cons, plus Speedy Cash reviews from real customers. 

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The Good

  • Loan Options and Lending Policies
  • Instant Decision, Quick Funding
  • Customer Service Contact Information 
  • Security Center Page

Loan Options and Lending Policies

Speedy Cash provides several types of loan options to borrow. The type of loans available and their associated costs and fees are dependent on the state regulations, credit check, and other approval methods. Speedy Cash loan options include the following:

  • Cash advance/payday loans 
  • Installment loans 
  • Title loans 
  • Online loans 
  • Fast cash loans 
  • Personal lines of credit

Along with these loan options, Speedy Cash has a couple of policies that we would like to highlight. 

  • 24-Hour Grace Period: If you take out a loan and then change your mind, you can return the funds without paying any fees. 
  • No Early Payment Fees: If you decide to repay the loan in faster time than your repayment terms state, there are no fees. Depending on the type of loan, it can even save you money that would have been paid in fees or interest. 

Instant Decision, Quick Funding

With this lender, applicants who apply online or in a Speedy Cash store can get same day funding. 

Online applicants can fill out a quick loan application and get an instant lending decision. Most online loan applications can be approved without needing to fax or scan-in any documents. 

If approved, you get to choose between three ways to get your money. The fastest way is to get it deposited on an Opt+ Prepaid Visa debit card, the next fastest way is to pick up the cash loan at a local Speedy Cash location, and the slowest is to have it deposited into your bank account, which can take one business day. 

Customers who fill out a lending application in-store can get a loan in about ten minutes and be on their way. 

Customer Service Contact Information 

Several customer service contact methods are available for borrowers who have questions about their loans. You have the option to search for your local representatives on their website by simply selecting the state that you are currently residing in. Each customer can contact the general customer service by phone or email to receive answers to questions. Additionally, you can contact different departments based on questions and concerns that might arise. 

Security Center Page 

At Speedy Cash, the privacy and security of your personal and financial information is their top priority. The Speedy Cash Security Center provides you with resources to help you maintain your security. From this page, you can learn how to safeguard your money and your identity. 

The Bad

  • Availability 
  • Loan Cost
  • Additional Fees
  • Opt+ Prepaid Cards


Speedy Cash has broad availability across the U.S. but it should be noted that they are not available in all states. Currently, they are available in 27 out of 50 states, mostly on the west side of the United States. Make sure to check if they are available in your state before beginning your loan application. 

Loan Cost

As with all short term lending options, interest rates with these types of financial institutions can be very high, up to several hundred percent APR. A consumer should know that these types of loans are not a long term financial solution. 

Additional Fees 

When applying for a loan with Speedy Cash, you will be faced with additional fees. 

Some installment loans can carry origination fees up to $75. 

With a Speedy Cash line of credit, fees are based on daily interest. Your minimum loan payment will be 2% of the principal, plus the accrued interest at 0.9863014% daily interest (which corresponds to 30% per month, or 360% annually). 

Because the loan terms vary from state to state, customers should be prepared to read the terms of their specific loan very carefully before signing.

Opt+ Prepaid Cards

While it is awesome that Speedy Cash provides a way for customers to get quick funding through the exclusive Opt+ Card line, they are only available at Speedy Cash locations. To get one, customers have to show a valid ID, mailing address, and a social security number, and be somewhere near a Speedy Cash store. That rules out this funding method for customers who got their loan online, meaning that they really have to wait until the next business day for their money to be deposited in their checking account.

FYI: They offer three types of cards: a Direct Deposit Card, a Monthly Card, and a Pay as You Go Card and each carry fees. The first two have monthly payments of less than $10 and the third has customers pay as they use the card. 

The Bottom Line

With Speedy Cash, you have the option to select from a wide range of loans that will fit every financial need. 

The company’s security center page helps borrowers to practice financial safety and a way to receive loans that are eligible and fraud-free. With high attention to security and safety, you will know that your personal information with Speedy Cash is safe. 

However, Speedy Cash is not available in every state and users may face additional fees when applying for a loan with this lender. 

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User Reviews


3 Reviews

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Troy Siren
June 29th, 2018 Gilbert, AZ

Was skeptical at first about a loan, but they were clear in their terms, rate and payback date. They helped a ton.

Chris Alonzo
June 25th, 2018 Gilbert, AZ DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Speedy Cash was there for me when I had a cash emergency. The staff was very friendly and helpful they really made me feel comfortable. Everything about the loan was explained in detail and all my questions were answered immediately.

Abbey Gardner
April 13th, 2018 Carson City, NV DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Quick, easy, and gave me a large enough loan that I did not need to go and try and get a loan anywhere else. Thank you!