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.

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 - 15
    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.

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    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.

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      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.

      Verified purchase
      Punctuality & SpeedStaffLoan Process

      Reviewed May 10, 2026

      I needed some quick cash. I bought a van and I was out of work for a couple of weeks. If I don't work, I don't get paid. So, that made me go out and get a loan from Speedy Cash. I applied in person and everything was fine. I never had any issues with any of the team that's there. Everything went smooth for me. Everyone was professional. Even the ones that just started and was learning, they were professional and was telling me to be patient with them. They also thanked me for being patient with them because it took a little longer than somebody to have the experience.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      We are delighted to hear you had a pleasant experience!

      Verified purchase
      Punctuality & SpeedStaffBillingLoan ProcessFollow-Through

      Reviewed May 8, 2026

      I’ve been seeing Speedy Cash in the neighborhood, and I happened to stop and see if I was eligible for a loan. The people were very polite, nice and patient. So, I liked that. The lending process was good and took about 30 minutes. If you're eligible, they will let you know. So, it's very truthful. Speedy Cash helped me out a whole lot because I was behind on a bill and with my credit being low as it is, I hoped they could lend me the money. And they did. They put the funds on my cards and it only took a second. I was thankful and made a promise to pay them back. And I have paid them back. I went to get another loan from them again and my next pay loan is on the 29th of this month. So, I will make sure I pay them back again because I know I'm going to need them again.

      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
      Customer ServiceTechPunctuality & SpeedRefunds & PayoutsStaffBilling

      Reviewed May 7, 2026

      I needed to pay my bills. Speedy Cash was there, and it was necessary. I appreciate them. The process went smooth because the whole vibe of the place felt peaceful. It took less than 20 minutes. After they checked what they had to, and seeing that I was a legitimate person who needed help, and was willing to acknowledge the terms and live up to the terms of the contract, everything was smooth and well to me. I hope and pray that the other side is satisfied thus far, because I still plan on needing their help on a continuous level. I received what I needed from them. I'm gonna continue to do it as long as they see fit to keep helping me, and we keep helping each other.

      Those young ladies at that place of business are professional and very nice. I like their attitudes, even when I tried to show them the love that I continue to show everybody that I come in contact with, even on a small or great level. They wouldn't accept any tips from me. I understood and respected the process. I would recommend Speedy Cash to family and friends, because when you need help, you're supposed to reach out and ask, and they help with your needs.

      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 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.

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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 & 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.

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      Speedy Cash
      Response from Speedy Cash

      Thanks for choosing Speedy Cash! We appreciate you.

      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
      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.

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      Speedy Cash Company Information

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

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