Speedy Cash Payday Loan Review

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  • In store, online and telephone applications
  • Replies within 30 minutes
  • Loans available up to $26,000

Speedy Cash has been growing in popularity over the last few years – and for good reason. 

By Editorial Team | 2nd January 2019

Speedy Cash offers a number of different ways to borrow money – meaning you can borrow against your car title, or get a regular payday loan. As you can probably tell from their name, they prioritize speed and efficiency – you can get your money within a day. Along with having a wide range of different ways to borrow, you can also apply quickly both online or over the telephone.

Another thing that perhaps sets them apart from many competitors is that they also have a number of stores in real locations, meaning you could get your money over the counter if you live in the right area.

What is involved in the application process?

The application process might vary slightly for Speedy Cash depending on exactly how you want to borrow your money. For example, a payday loan application will involve having a closer look at your earnings and how much you can afford to pay back. But Speedy Cash also offers other services like title loans, instalment loans and line of credit loans – so the application process may differ slightly.

That being said, Speedy Cash provides a quick, easy and friendly process to everyone who applies and tries to consolidate everything into one easy application form or quick chat on the phone. Whether you’re accepted or not, you should get an answer quickly and have your money faster than you might think (sometimes under a day). You can either apply online, in-store or over the phone and will often get an answer within 30 minutes. You can also check what you can borrow with no obligation to take out a loan.

How much can you borrow and how long can you borrow for?

Speedy Cash offers a number of different flexible loan options along with fast cash transfers. You can borrow anything from $50 to a massive $26,000 with a number of different methods. You can even get the cash upon acceptance in one of their stores, meaning you can leave with the money straight away. They also offer flexible loan terms for a range of different periods, and the amount of time you can borrow for will also depend on the type of loan you choose.

What is the monthly repayment and total payable amount?

Again, monthly repayments will vary a lot depending on a number of factors, like how long you’re borrowing for and where you’re located – and especially the total amount you borrow. A payday loan at Speedy Cash is only really a short-term option, and would normally be around a 14 day loan. There are other options for people who want to borrow for longer.

What fees are involved and what is the interest rate and APR?

As an example, in Alabama, you’ll pay $17.50 per $100 borrowed for a payday loan. This equals an APR of 456.25% and is for a 14 day loan. These payday loans might seem expensive, but they’re especially for people who need a bit of cash urgently but know they’re going to get paid soon. For larger amounts and longer terms, you might want to consider one of the other loans on offer at Speedy Cash. Have a look at the different terms and rates to find one that’s right for you.  You might find a slightly longer period, like a 6 month loan, is more appropriate for you.

What are the eligibility requirements?

The exact requirements will vary a bit depending on exactly how much you’re trying to borrow and what sort of loan you’re looking for. For example, a car title loan will obviously depend on the car you’re borrowing against – specifically how much it’s worth. For a payday loan, you’ll need to prove your earnings. You’ll also need to pass a credit check before you can take out a loan at Speedy Cash.

How long does the money take to reach your account?

Here’s one way Speedy Cash really stands out amongst its competitors – you can get the money super fast. They offer money in store, often upon approval. For online applications, you can get the money within 24 hours, meaning Speedy Cash is a great option for someone who needs money quickly.

Are there any additional features?

Speedy Cash offers a number of features including friendly customer service, regulated lending practices and a number of free tools and services for account holders.

What are the terms and conditions?

Terms will vary depending on your loan and location, but it’s important that you familiarise yourself with the small-print and stick to any payment timeframes.


As a direct lender, Speedy Cash is a great option for someone who needs money fast. They offer a number of ways to get your money and a few different loan types to suit different circumstances. If you’re interested, take a look at what Speedy Cash can offer you.

Reviewed by
Editorial Team
Our Editorial Team is constantly watching for new and exciting services to report on. They aim to bring balanced, honest reviews to the site to give you the best comparisons and ensure you have the knowledge to choose the product right for you. Read more.
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