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Speedy Cash

Speedy Cash
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Overall Satisfaction Rating 4.07/5
  • 5 stars
    1246
  • 4 stars
    135
  • 3 stars
    68
  • 2 stars
    42
  • 1 stars
    321
Based on 1,812 ratings

Speedy Cash is licensed to operate in multiple states across the U.S. (including Nevada, Oregon and Washington under the name Rapid Cash) and provides short-term cash loans online, over the phone and in stores. Speedy Cash strives for a personal connection with its customers and offers payday loans, installment loans and title loans.

Speedy Cash Video

BOTTOM LINE

Speedy Cash is a short-term lender that offers payday loans, installment loans and title loans to help you get the money you need fast.

PROS

  • Get funds in as little as a day
  • Online and in-store services
  • Loans from $50 to $26,000

CONS

  • High APRs

Top Speedy Cash Reviews We Found

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Rated with 5 stars
Verified Reviewer Verified Buyer

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 family, friends and coworkers. Very quick application process and quick decision. Glad there is a company like Speedy Cash!

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Rated with 5 stars
Verified Reviewer Verified Buyer

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 fixing financial issues. The money is expensive but does help. Staff is really professional at the Riverside location.

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Speedy Cash Get Pricing 

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 that’s available in 29 states. It offers three different types of loans for people who need cash, including installment loans, payday loans and title loans.

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.

Speedy Cash loans are easy to apply for, and the company 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.

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:

  • 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 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 around 460% 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.

Speedy Cash FAQ

Does Speedy Cash affect your credit?
Taking out a payday loan from Speedy Cash doesn’t affect your credit, but missing a payment or defaulting on a loan from Speedy Cash does.
How do Speedy Cash loans work?
Speedy Cash loans are short-term funding options that customers can get by visiting Speedy Cash’s website 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:
  • 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. 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.

Is Speedy Cash legit?

Speedy Cash offers customers quick funds up to $26,000 both online and in stores. The company 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 legit option for people who need cash fast and can pay it back within the allotted time.

Speedy Cash Reviews

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2 featured reviews
How do I know I can trust these reviews about Speedy Cash?
How do I know I can trust these reviews about Speedy Cash?
  • 2,596,475 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Page 1 Reviews 0 - 10
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Aug. 11, 2020

I have appreciated and enjoyed the experiences I have had with this company. It has always been completed within a timely manner. The app is a great way to get the process done when there is no time to be on the phone for any length of time. Thank You.

2 people found this review helpful

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: June 26, 2020

    The loan process was easy and I really like the instant funding through my debit card. That is a great feature. Keep it. Your process is very convenient and I really like the instant funding and you seem like a great company to work with and I will use you again in the future when I need a loan.

    2 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: May 17, 2020

    Speedy Loan has reasonable interest rates and their customer service is excellent. I am happy I discovered them. They have helped me get through some difficult financial jams and their installment plan makes it easy to pay them back.

    3 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Jan. 7, 2020

    I am self employed. But I been trying to establish a relationship with you so when there are incidents that actually happen in between pay period there would be a place I could go to. I have a salon which my employees pay me every week ($2000). I went to Cash App as a way for them to pay without physically being on site every Friday. For me it was to be able for fund to be readily available instantly and to be able to verify the income because you can go online on print out monthly statement and it is also link to a bank account set up for you.

    The last time I was going to apply for a loan but was told that cash app was not considered a real bank and even though I did have a traditional account that I transfer funds from my cash app account but I was only able for get $200. I had to seek out another source for the addition funds needed for the emergency. I understand that there are specific guidelines that must Be followed but there should be some other means of consideration in these incidents when you’re trying expanding your customers base. Please do not misunderstand this is not a complaint, Just a thought to help look at ways assist other people to come to you for business. Because there is a market to be tap in to with self employed bank deposit people. And Cash app and other services like them are becoming a normal way of doing business???? Overall love the company and what you doing great customer service.

    4 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Oct. 3, 2020

    Feel like this company loves the run around. They cut major corners as well. The website always gives these long error messages. Making me think the company is just committing fraud on the daily. Bad business. Horrible service. I can't believe this is happening...

    Be the first one to find this review helpful
    Rated with 1 star
    profile pic of the author
    Verified Reviewer
    Original review: Aug. 14, 2020

    Applied for a loan. The representative told me I was approved. I sent all the documentation & Was told they would call me back once the money was transferred in 20 minutes. I think it may be a scam. I really hope my information is not compromised.

    8 people found this review helpful
    Rated with 1 star
    profile pic of the author
    Verified Reviewer
    Original review: Aug. 8, 2020

    I highly recommend not using this company for a loan. The interest and principal is outrageous. They will tell you that you owe one amount on the phone, and you show up to pay that amount, it's significantly more. Do your research. There are local companies (if you are in Austin) that will give you a better loan, and rate. I will never use this company again.

    5 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 26, 2020

    They took out $370 I didn't have. My bank has been harrassed by them for the last 3 months. Thanks for taking the money I had left to leave my water and lights on. It is the worst loan company I have ever used and will never use them again. They don't care about anything as long as they get their money! Thanks for screwing my family over!!

    Speedy Cash response

    Hey Taylor, thank you for taking the time to explain your payment experience; I can understand why that would be frustrating. I would like our Customer Service Team to take a deeper look into your payments. Can you do me a favor? Can you send an email fully outlining what happened to CustomerService@SpeedyCash.com? Please include your name & contact info, and any additional details to catch us up to speed.

    10 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Jan. 28, 2020

    They rip you off. They took money from me that I never received. I sent them bank statements and copies of transactions and deposits. They still were rude, and disrespectful. They took money out of feeding my kids food. Do not come to this company or place.

    Speedy Cash response

    Hi Michelle, we would love to address your concerns as this is not the experience we would want anyone to have with our company. Could you reach out to our Customer Service Team so we can access your account and look into the payment discrepancy? You can email them at CustomerService@SpeedyCash.com. Please make sure you include your name, contact info and any additional details to help catch us up to speed.

    10 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Jan. 16, 2020

    I want nothing more to do with Speedy Cash! Today I witnessed such dishonesty and losing. Yesterday I attempted to pay the agreed upon settlement amount of $383.19 for the account online. The $383.19 amount did not work on their system and defaulted to $478.99 which was taken from. When I talked to Customer Service I was given a line about I should have called the settlement in because there are different processes you need to complete via phone in order to receive a refund. Speedy Cash did not honor the agreement and ripped me off and that is disappointing. All to keep from returning the $95.80 they owe me! They could have sent me a check. Dishonesty and liars are who they are. I will make sure not to recommend Speedy Cash to anyone! They hide behind so called policies to avoid paying refunds.

    Pinkey **

    Speedy Cash response

    Oh no, that's not what we like to hear, Pinkey! Let's connect so we can talk through your experience. When you get a second, would you reach out to CustomerService@SpeedyCash.com and provide them your name, contact info and any additional details to help catch us up to speed?

    10 people found this review helpful
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    Speedy Cash Company Information

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