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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

CA
Verified purchase
When all others could not help me, I tried Speedy. They came through and saved me from getting evicted. I am a disabled person stuck in a wheelchair forthe rest of my life. I pray...

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La, LA
Verified purchase
I love Speedy Cash. I was short $200 for my light bill when a friend told me about them. I paid back on time and I have been dealing with them since. They don't take a long time. ...

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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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    Page 1 Reviews 0 - 35
    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.

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      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 & SpeedStaffLoan ProcessRatesHonesty & Transparency

      Reviewed May 31, 2026

      Speedy Cash was honest and helpful. I have a pretty good relationship with them. I'm not computer-savvy but they helped me through my processing, answered questions I needed to know and explained it to me in my terms. They took time with explaining stuff. When my bank was trying to get information to them, they walked me through their online tool. The first time, the process took about 20 minutes. I got a $300 loan because I got into a situation and needed some money right then. Their rates were fair. However, I used to watch cartoon while I wait, but they took the TVs out.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      Thanks for sharing! Your feedback motivates us to keep raising the bar and sets the standard for excellence in everything we do at Speedy Cash.

      Verified purchase
      Customer ServicePunctuality & SpeedStaffBillingLoan Process

      Reviewed May 30, 2026

      Speedy Cash has come in handy every time I'm short on funds. I get paid biweekly, and sometimes the funds on my end don't expand all the way as I want it to. But Speedy Cash is always there offering a payday loan, which is great, because it gets me groceries and gas. It helps me get by weekly. They're awesome people. They always comply with my needs and I appreciate them. I do the application in person and it's not that long. It’s 15 minutes, and I’m out of there. If you are an old customer, they just ask for your ID and your credit card. If you're new, they ask for your checking and savings account. Speedy Cash has always been there when I needed them. They are reliable. I also really don't like people calling me all the time, and they don't ask from me as much and I don't hear from them.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      We appreciate your valuable feedback. Your satisfaction is what drives us, and we can’t wait to welcome you back for another outstanding experience at Speedy Cash.

      Verified purchase
      Punctuality & SpeedStaffBillingLoan ProcessRates

      Reviewed May 26, 2026

      I like doing business with Speedy Cash, and I would recommend them. They've helped me out with my bills and in emergency time of need. The payday loan is quick and easy to do. While I'm in the store, it takes about 10 minutes. Just have the qualifications where you gotta have source of income and your ID. However, sometimes, when it's real busy, they'll just have one or two workers, and it's frustrating. On a pay day or on the first of the month, it should be a lot of workers when they know people are also paying bills. They’ll have long lines when they should have more workers available. The windows should be open. Also, the interest rate is real high. I wanted to hurry up and get it paid off.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      We appreciate your valuable feedback. Your satisfaction is what drives us, and we can’t wait to welcome you back for another outstanding experience at Speedy Cash.

      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!

      Thanks for your vote!
      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.

      Verified purchase
      Punctuality & Speed

      Reviewed June 1, 2026

      I've been going to Speedy Cash since ’97. I submit my applications in person, which is easy, and every time I go, they're really nice. I haven't had any complaints and I sent some friends there once.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      Thanks for choosing Speedy Cash! We appreciate you.

      Verified purchase
      Punctuality & SpeedStaffBillingLoan Process

      Reviewed May 29, 2026

      About 10 years ago, I was so broke and didn't have anything. Somebody told me about Speedy Cash and we did that. It was their giveaway then I ended up signing up then. I did a regular loan. At first, I was just getting $200. The process took 15 to 20 minutes. I sat there and gave them my credit cards. I go on Florence and Fig, and they are really professional. As long as you have a way to pay them back, then you ain't gonna have a problem. They'll help you out. They try hard though there's a lot going on. I was in a bind, and they got me out of that bind.

      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.

      Verified purchase
      Punctuality & SpeedStaffLoan Process

      Reviewed May 28, 2026

      Speedy Cash is wonderful and I love the manager up there the most. Their workers up there are excellent, too. The one I dealt with was very sweet and professional. It took less than 10 minutes to get my payday loan and they were really with me when I really needed them. Walmart needs to be the same way. If any friend or family member needs a loan, I'd tell them where to go.

      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 & SpeedStaffLoan Process

      Reviewed May 27, 2026

      I was looking for a loan place, and when I googled, the first thing that popped up was Speedy Cash. I went with them and did the application in person. It went well. They asked questions and had me sign some paperwork. I'd recommend them because they don't bring you down, unless you ain’t got what the policy asks for everybody. I get a real help from Speedy Cash. They're nice. They welcome us when we go in.

      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 & Speed

      Reviewed May 25, 2026

      I've been dealing with Speedy Cash for a while and they're very nice. I go to them when I need money and the process is not a problem. I just walk in and put my ATM card in there, the one that's on the account that the money is going to come out off.

      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 & SpeedRefunds & PayoutsRates

      Reviewed May 21, 2026

      Speedy Cash has a welcoming atmosphere. It was not that intimidating as I thought it might be. The first time I went in, it was one other person in line. There were three tellers. It didn't take them long to tell me what I needed. They told me what I needed to bring in. I had those documents at my house. Start to finish, minus the transportation from there to home and back, would be a half hour total. I don't like paying interest, but they are doing me a service, so I don't mind paying for it. I have recommended them to somebody else, and he went.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      Thank you! Let us know if we can help with anything in the future.

      Verified purchase
      Punctuality & SpeedStaff

      Reviewed May 20, 2026

      Speedy Cash came through for me. I applied in the store. The rep was very nice and helpful. She encouraged me. I said, “If they gonna run a credit, I ain't gonna get in ‘cause I know I ain't got no good credit.” She said, “It's always a try. You may get approved.” I got approved for it. It wasn't much, but it was better than nothing. It was fast. I was in there for 25 minutes. Try it. It's guaranteed you can get something.

      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 & SpeedStaffLoan Process

      Reviewed May 19, 2026

      I was so happy with Speedy Cash. I went outside and I couldn’t get anything to see my kids. I got there and they said they could do it. That was my first time ever getting a loan. They were nice and courteous. Everything happened in about 30 minutes at the most.

      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 & SpeedStaffLoan ProcessRates

      Reviewed May 18, 2026

      It’s always a great experience when I go in Speedy Cash. I filled out an application. I had to provide some documents. But it was easy and they helped me. The people were kind. Speedy cash is a great option when I'm having a hard time. I try to pay it off as soon as possible so I don't find the interest rates or fees to be outrageous. I would like a loan increase.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      Thank you! Let us know if we can help with anything in the future.

      Verified purchase
      Punctuality & SpeedRates

      Reviewed May 11, 2026

      My Speedy Cash experience was easy. The application process didn't take long. Their rate and terms were reasonable.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      Thank you! Let us know if we can help with anything in the future.

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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

      VIDEOS & IMAGES