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Speedy Cash Reviews

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Edited by: Jon Bortin

About Speedy Cash

Speedy Cash is licensed to operate in multiple states across the U.S. (including Nevada, Oregon and Washington under the name Rapid Cash). It provides payday loans, installment loans, title loans and lines of credit online, over the phone and in stores. Speedy Cash claims to have served over 10 million people since 1997.

Visit www.speedycash.com
Pros
  • Get funds in as little as a day
  • Online and in-store services
  • Loans from $50 to $26,000
Cons
  • High APRs

Helpful Reviews

Yukon, OK
Verified purchase

My experience with Speedy Cash has been excellent. Speedy Cash is the best payday loan company I have worked with. Very fast indeed! I will recommend Speedy Cash to all my fami...

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Riverside, CA
Verified purchase

Fast and friendly customer service. Online factor makes it easier just picking up the loan. Definitely a must if in a crunch but not a permanent solution when it comes down to ...

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Payday lending is illegal and unavailable to consumers in some states. Payday loans usually have very high interest rates and carry risk. As with any loan, consumers should have a clear understanding of the fees, terms and conditions of any payday loan before borrowing.

Speedy Cash online loans

Speedy Cash is a short-term loan company with over 140 locations in 23 states. It offers four different types of loans for people who need cash: installment loans, payday loans, title loans and lines of credit.

Speedy Cash specializes in online payday loans, which borrowers use to satisfy a short-term cash need and then repay with interest on their next payday. To apply online, visit the Speedy Cash website, select your state and follow the prompts.

Speedy Cash also has in-store services for customers who prefer working with a lender in person. If you’re interested in Speedy Cash’s services, start by visiting its website and creating an account or calling its customer service phone number (888-333-1360).

Speedy Cash loan requirements

Requirements for payday, installment and title loans are different in every state, but the basic requirements for a Speedy Cash loan include:

  • Valid ID (proving you’re at least 18 years old, 19 in AL)
  • A steady source of income
  • A bank account
  • A valid phone number
  • An email address

Loan availability and amounts depend on what state you live in, so make sure to check your state regulations before applying.

Speedy Cash interest rates

Speedy Cash’s annual percentage rates (APR) vary depending on:

  • The type of loan you’re applying for
  • The loan term length
  • The state you live in

For a person trying to get a $200 payday loan in California, the APR is 460.16% for a 14-day loan term. That means they end up paying $35.30 in finance charges if they pay off the loan on time. If they select a 30-day loan, the APR drops to 214.74%.

Speedy Cash FAQ

Does Speedy Cash affect your credit?

Yes, defaulting on a loan from Speedy Cash may impact your credit score.

How do Speedy Cash loans work?

Speedy Cash loans are short-term funding options that customers can get by visiting Speedy Cash’s website or stores and applying. Speedy Cash gets you the funds you need as soon as possible, often within 24 hours of your approval.

What do I need to get a loan from Speedy Cash?

You need the following to apply for a payday loan with Speedy Cash:

  • Valid ID (proving you’re at least 18 years old, 19 in AL)
  • A steady income
  • A bank account
  • A phone number
  • An email address
Does Speedy Cash do installment loans?

Yes, Speedy Cash offers installment loans up to $5,000 in MS, MO, NV, OH, TX and WI. With installment loans, borrowers pay back the balance over an extended period instead of paying it in full on their next payday. The application process is the same for installment loans.

Does Speedy Cash approve bad credit?

Yes, Speedy Cash claims it doesn’t rely on credit alone when determining if you qualify for a loan. If you can prove your ability to pay off your loan in the required timeframe, you’re more likely to be approved. However, not paying your Speedy Cash loan on time can damage your credit score.

Can I get a loan from Speedy Cash without a job?

Not necessarily — Speedy Cash requires a steady source of income, but it doesn’t have to be from a job. It considers payments such as Social Security benefits as steady income.

Still have questions?

Is Speedy Cash legit?

Speedy Cash offers customers quick funds up to $25,000 both online and in stores. It offers several types of loans, so borrowers can choose the option that makes the most sense for their needs and financial situation. While its interest rates are high, Speedy Cash is a legitimate option for people who need cash fast and can pay it back within the allotted time.

Speedy Cash Reviews

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    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 35
    Verified purchase
    Customer ServicePunctuality & SpeedRefunds & PayoutsStaff

    Reviewed Sept. 10, 2026

    I had to take care of something. I used Speedy Cash. The overall lending process was fine. I never have a problem when I go there. Everybody's nice. It'd be crowded and busy, but I always try to go as early as possible so I won't be in the crowd. Usually, if you go there when they first open up, the process goes pretty smoothly. They got a new computer tech, and it's more faster now because they do it from your phone. So, by them doing everything from the phone instead of doing everything through computer, it goes pretty fast. I was in there no longer than 25 minutes. I recommended Speedy Cash to a friend last week. When his car broke down, I told him to go to Speedy Cash and I said, “But you're only allowed to get 255, but you have to pay back 300, when you get paid.” Everything went good for him.

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      Verified purchase
      Punctuality & SpeedStaffBillingLoan Process

      Reviewed Aug. 6, 2026

      I live right across away from Speedy loan, and I was a little bit late on rent. So, I was like, "Let me go just see if I can get approved." Their loan process wasn't difficult at all. It was super fast. It only took three minutes. What really stood out was how fast we got approved for a loan. It was right when I filled out the application and then I got approved. The representatives really don't speak that much. They're good. If they talk a little bit more, it would be better. There could be more interaction with the customers. Overall, Speedy Cash is always helpful. I would definitely recommend it if you are low on money and need help paying rent or bill.

      Thanks for your vote!
      Verified purchase
      Punctuality & SpeedStaffBillingLoan Process

      Reviewed Aug. 3, 2026

      I like that Speedy Cash just takes the payments out of my bank account. I don't have to go pay them back. And if I needed a loan, I can go back and borrow from them. I did a personal loan. They needed my ID, bank statement and my income. Their lending process was good and fast. I like it. I went in the store and did it. Their reps are professional and friendly. I like their personality. I was impressed with their courtesy and how fast they can do it. If you need a loan right away, Speedy Cash would be a place to go because they're courteous, friendly and fast.

      Thanks for your vote!
      Verified purchase
      Punctuality & SpeedStaffLoan ProcessRates

      Reviewed July 21, 2026

      I had a good experience with Speedy Cash. They're the best of the best. I've known about Speedy Cash for over 20 years. I use them when I need some money. I get the loan, and I have so much time to pay it. Then when I want another one, I get it without any kind of problem. Everybody in Speedy Cash are very respectful. I’ll rate Speedy Cash up top. From 1 to 10, I put them up there with a 10. I’d tell other people that that's the place to go. They're very courteous. They take their time. They don't rush you.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      Thanks. At Speedy Cash, we take pride in providing excellent customer service.

      Verified purchase
      CoveragePunctuality & SpeedStaffBillingLoan Process

      Reviewed July 13, 2026

      I was short on one of my payments. And I couldn't fix it, so I just went in to see if I could get a loan with Speedy Cash. My daughter used it before. She went online, and she got it. Then when I told my daughter, “I'm short today for this week.” She said, “Go and grab a loan over there. Then you can pay it next week.” I went to the place in Downey and applied, and it was very easy and fast. The representative was very helpful and made it easier for that transaction to go fast. And he explained everything step by step. He was very professional.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      Thank you for taking the time to share. Your review means a lot to our team!

      Verified purchase
      Punctuality & SpeedStaffRates

      Reviewed Sept. 24, 2026

      I have an acquaintance that had used Speedy Cash before. We had bought a new car, and then the car note was due before my payday. The application process was super easy. The people were so sweet. The overall lending process took about 10 or 15 minutes. I had the funding direct deposited into my account in about less than an hour. I'd rate Speedy Cash at the highest. At this point, I have no complaints about them. Working with them accomplished what I needed. They took care of it immediately.

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      Verified purchase
      Punctuality & SpeedStaffLoan Process

      Reviewed Sept. 12, 2026

      My sister started doing a loan with Speedy Cash first, and then she told me about it. Then I just started doing it with them. I did the process at the location. They were so friendly. They welcomed you, and I know a lot of them there. The experience was really good. I love it. The place that I go to is in Sherman Way. They're really nice and friendly. You will get to know them, and they'll help you out the best way that they can.

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      Verified purchase
      Customer ServicePricePunctuality & SpeedLoan ProcessRates

      Reviewed Sept. 11, 2026

      I like that Speedy Cash is local. It was easy to get to. I was going to the market, and I noticed Speedy Cash. I did the application process in person, and it took about five to six minutes. Customer service was good. The price that I paid to do business with them was not bad for the 30-day loan.

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      Verified purchase
      Punctuality & SpeedStaff

      Reviewed Sept. 9, 2026

      I went in to Speedy Cash. I needed some money, and I tried to talk to them. They gave me an application to fill out and I filled it out, and they lent me the money. It didn't take long. The representatives are all good people. They treat you nice, laugh and talk to you to help you out. If you have a question, they'll answer for you.

      Thanks for your vote!
      Profile pic of the author.
      Punctuality & SpeedLoan Process

      Reviewed Sept. 5, 2026

      Claudia assisted me with getting a loan, she provided top tier service and made the process smooth, quick and easy. Definitely recommend it!!

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      Verified purchase
      Punctuality & SpeedRefunds & PayoutsLoan Process

      Reviewed Sept. 5, 2026

      I needed to take out a loan to pay my rent. I learned about Speedy Cash through a friend and I applied with them online. The process was completed in 10 minutes and everything was great. I give them 5 stars.

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      Verified purchase
      Punctuality & SpeedStaff

      Reviewed Aug. 22, 2026

      I love Speedy Cash because the reps are all very helpful and kind. The people stood out to me the most, and the lending process was good. Speedy Cash has helped me have money, which is the idea of going there.

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      Verified purchase
      Punctuality & SpeedStaff

      Reviewed Aug. 21, 2026

      Speedy Cash treats me good. They take care of business. My credit score is going back up. They're helping me build my credit score back up, too. Someone referred me to them. I was really on hard times and it helped me out at that time and they gave me the money. So, at that time, I was going through a little hardships. It helped me out. Speedy Cash is good. They get you in and out. Their reps are very courteous, very helpful and very nice.

      Thanks for your vote!
      Verified purchase
      Punctuality & SpeedLoan ProcessTransparency

      Reviewed Aug. 18, 2026

      My experience with Speedy Cash has been great. I've done business with them quite a few years ago. I was always aware of them. I got a payday loan. They're convenient. I've had no issues. Anything I was not aware of or needed explanation of, they would gladly give it to me.

      Thanks for your vote!
      Verified purchase
      Punctuality & SpeedRefunds & PayoutsStaffBilling

      Reviewed Aug. 5, 2026

      I went to Speedy Cash just to see if it would really go through. The application process was nice, and it through within 25 minutes. Their team was a 10. They were good. They gave the fund to me in a check. It had helped pay my bill.

      Thanks for your vote!
      Contract & TermsPricePunctuality & SpeedRefunds & PayoutsStaff

      Reviewed Aug. 4, 2026

      Never again! You guys said I have a bank charge back, that isn't on my bank statement. I've been trying to settle this for a while only to STILL be charged a late fee. Every member of this company that I've talked to said that if I sent in the bank statement for that time period that it will be taken care of because it shows I didn't receive the money. I faxed the statement as requested only to be told that I still have to pay a late fee for money that I NEVER received! I'm so frustrated and no one at that company tries to help get this taken care of. There's no way I should pay back what I never got. This is a straight rip-off!

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      Speedy Cash
      Response from Speedy Cash

      We are always working to improve our customer experience at Speedy Cash and rely on customers like you to share your feedback. Please reach out to us at 1-888-333-1360 to discuss further.

      Verified purchase
      Punctuality & SpeedStaffLoan Process

      Reviewed Aug. 4, 2026

      I went through Check Into Cash, found Speedy Cash and applied for a loan. It was easy and Ash, the rep, has been understanding and really good to us.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      Thank you, Marsha!

      Verified purchase
      Punctuality & SpeedStaffBillingLoan Process

      Reviewed July 23, 2026

      I’ve got three loans from Speedy Cash before. I just usually go there, show them two forms of ID, and I get approved. They just take my payments out of my bank after. Their representatives are helpful. Overall, Speedy Cash is helpful when I need money.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      Thank you, Richie! We are glad your local Speedy Cash was able to help you.

      Verified purchase
      Punctuality & SpeedStaffLoan ProcessRates

      Reviewed July 22, 2026

      Speedy Cash was excellent. I went in person and got a temporary loan to carry me till I get my check. The process was fast and efficient, and the rep was great. The rate has gone up, but it's okay.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      We're glad you had a pleasant experience, Merculus!

      Verified purchase
      Customer ServicePunctuality & Speed

      Reviewed July 20, 2026

      My experience with Speedy Cash was fine. Their customer service was good. The application process was fine.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      Thank you for sharing, Anthony. Let your local Speedy Cash know if you need anything!

      Verified purchase
      Punctuality & SpeedStaffLoan Process

      Reviewed July 16, 2026

      Speedy Cash was willing to offer a loan to me, and I was able to get the max amount when I first applied. Also, everybody in there was very helpful. The lending process was quick and easy, and they went over everything that they were offering me, and telling me about what I was trying to know. It sounded like I didn’t need any information.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      Thanks! We are grateful to have you as a valued customer at Speedy Cash.

      Verified purchase
      Punctuality & SpeedStaffLoan Process

      Reviewed July 15, 2026

      My experience with Speedy Cash has been good. They were closer to my home, and their lending process was very simple. You go in there, you fill out your paperwork to apply for the loan, you get your loan, and you're out of there in no time. The process was completed in less than 10 minutes. All the representatives are very nice.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      This review made our day! Thanks for sharing your experience at Speedy Cash.

      Verified purchase
      Punctuality & SpeedStaff

      Reviewed July 14, 2026

      I was in trouble, and I needed cash, so I went to Speedy Cash. The overall lending process was easy. The rep who assisted me was fine. However, they seem not to have enough people working for them. The lines are very long when you go there most of the time. But other than that, I really don't have any problem with them. They've helped me out.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      Thanks! We are grateful to have you as a valued customer at Speedy Cash.

      Verified purchase
      Punctuality & SpeedStaffLoan ProcessRates

      Reviewed July 12, 2026

      Speedy Cash is really close to my house. I tried them, and they were very friendly over there. The loan process was easy. Their interest was pretty high, but that's to be expected for a quick loan. I would recommend them.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      Your feedback is highly valued! Thanks for sharing.

      Verified purchase
      Punctuality & SpeedStaffRates

      Reviewed July 11, 2026

      The people from Speedy Cash are very professional. They're very friendly, and they do good business. I rate them a 5.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      Thank you for trusting us. We are here to help when you need us.

      Verified purchase
      Punctuality & SpeedRefunds & PayoutsLoan Process

      Reviewed July 10, 2026

      My experiences with Speedy Cash have been very nice and easygoing. I've been with Speedy Cash for a long time now. I just go in and pay my loan and renew it. Now, the only thing I didn't agree with was when they went up on my payback. Before, when I got 350, I had to pay 405 back. Now, I gotta pay 430 back. But I've never had a problem with them since I've been going there. They have always treated me very nicely when I come in. Their service has improved a whole lot.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      Thanks! We are grateful to have you as a valued customer at Speedy Cash.

      Verified purchase
      Punctuality & SpeedStaff

      Reviewed July 9, 2026

      I was referred by my wife to Speedy Cash. I went in person to apply, and it was done in 10 minutes. The process was easy. They were very helpful.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      Your feedback is highly valued! Thanks for sharing.

      Verified purchase
      Punctuality & SpeedStaffLoan Process

      Reviewed July 8, 2026

      I took out a payday loan with Speedy Cash quite some time ago, and I haven't had any problems with them. They've been very cordial and responsive to my needs. My expectations have been met and continue to be met. They're doing what they're supposed to do. I would recommend Speedy Cash fairly highly.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      Thank you for trusting us. We are here to help when you need us.

      Verified purchase
      Customer ServicePunctuality & Speed

      Reviewed July 7, 2026

      The customer service with Speedy Cash has been good. I've had no complaints. I've been with then for more than five years. Their application process was brief and simple. Sometimes there's a little wait, but other than that, my experience goes well.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      We’re so glad you enjoyed your time at your local Speedy Cash!

      Verified purchase
      Punctuality & Speed

      Reviewed July 6, 2026

      I'm happy with Speedy Cash. I'm in a senior citizen building, and I used to have a friend that used to live in the senior citizen building. They're the one that referred me to Speedy Cash. I don't think I had any problems with the application. Also, I never had any problems with any of the people that I deal with when I go there.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      Thank you for taking the time to share. Your review means a lot to our team!

      Verified purchase
      Punctuality & SpeedStaff

      Reviewed July 4, 2026

      My brother told me about Speedy Cash and it helped me out. The lending process was fine and I'm completely satisfied with it.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      We’re so glad you enjoyed your time at your local Speedy Cash!

      Profile pic of the author.
      Staff

      Reviewed July 2, 2026

      It needs a lot of work! I don't know how this staff can get off on treating you like you owe them your life when you are providing for their livelihood through the business fees, which give them their paycheck.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      We would like the opportunity to discuss this with you further. Feel free to reach out to us at 1-888-333-1360

      Verified purchase
      Punctuality & SpeedLoan ProcessRates

      Reviewed June 24, 2026

      Speedy Cash is a great place to go get a loan and they work with you. Applying with them was easy. They explained to me the interest before I got my loan. The whole process took 40 minutes.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      Thanks! We are grateful to have you as a valued customer at Speedy Cash.

      Verified purchase
      Punctuality & SpeedStaff

      Reviewed June 11, 2026

      If you need some cash, go to Speedy Cash. I've been dealing with them for years. I worked for the county for 30 years and used Speedy Cash for borrowing for gas money. Application to approval usually takes 20 minutes. They're very helpful and they make it easy for you to understand the process. They show improvement every time I go.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      This review made our day! Thanks for sharing your experience at Speedy Cash.

      Verified purchase
      Punctuality & SpeedStaffLoan ProcessRates

      Reviewed June 10, 2026

      Sometimes, it's a little frustrating getting a loan. Some of the questions they ask are not easy, as they are just dealing with some of the staff. The manager of Speedy Cash has been okay, but some of the staff make it harder. Some of the questions are irritating, especially when somebody's in a jam and just trying to get ahead. But working with them helps you get ahead, even if it's a $20 fee on top of what you borrowed. Sometimes the interest is ridiculous. But if you don't have your credit together, this is what you deal with. But I do recommend Speedy Cash if you need emergency money.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      We would like the opportunity to discuss this with you further. Feel free to reach out to us at 1-888-333-13608.

      Customer ServiceStaff

      Reviewed June 9, 2026

      I just want to say thank you to Amanda **. She was totally amazing. Her response and answers is what I was wanting to hear and she was very nice to me and I walked out a happy camper. Thank you again Amanda

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      Thanks for choosing Speedy Cash! We appreciate you.

      Verified purchase
      Punctuality & SpeedStaff

      Reviewed June 9, 2026

      I had a friend who used to get money orders from Speedy Cash and he introduced me to the company. I submitted my application in person, and the lending process went well. Every time I go there, the reps keep it professional. My experience with Speedy Cash has been amazing. They do things fast, and they’re good.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      Thank you for trusting us. We are here to help when you need us.

      Profile pic of the author.

      Reviewed June 4, 2026

      I Wasn't Approved. Not For Bad Credit. Not Eligible. To Reapply Until After 60 Days.

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      Speedy Cash
      Response from Speedy Cash

      We would like the opportunity to discuss this with you further. Feel free to reach out to us at 1-888-333-1360

      Verified purchase
      Punctuality & SpeedStaff

      Reviewed June 3, 2026

      The representative from Speedy Cash that I worked with was nice. She broke it down to me. She explained it to me really well. The process went quickly and everything was fine. They were really helpful.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      Thanks! We are grateful to have you as a valued customer at Speedy Cash.

      Verified purchase
      Punctuality & SpeedOnline & AppStaff

      Reviewed June 2, 2026

      Speedy Cash is by my house. I went there and they helped me complete the online application. Everybody was useful, and they explained the process. The person who helped me was polite and helpful. Everything went well and fast.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      Thank you for trusting us. We are here to help when you need us.

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      Speedy Cash Company Information

      Social media:
      Company Name:
      Speedy Cash
      Year Founded:
      1997
      Country:
      United States
      Website:
      www.speedycash.com

      Media

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