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About Speedy Cash Reviews
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 payday loans, installment loans, title loans and lines of credit online, over the phone and in stores. For the past 25 years, Speedy Cash has strived to provide a clean, safe place where people who need cash can access it conveniently.
Pros & Cons
Pros
- Get funds in as little as a day
- Online and in-store services
- Loans from $50 to $26,000
Cons
- High APRs
Bottom Line
Speedy Cash is a short-term lender that offers payday loans, installment loans, title loans and lines of credit to help you get the money you need fast.
Speedy Cash Reviews
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Reviewed Jan. 1, 2023
So I took out $900, not all at once. First $600, then $150 and then another $150. They have charged me 50% of the borrowed amount in interest. The ‘minimum’ monthly payment of $294.75 basically only covers me until the next month; until I eventually would have to pay the full amount of the loan (principal, interest and fees) in 6 months. The monthly amount of $294 does not even bring the balance down when paid. Extra money that I could use. The balance remains the same unless I pay more than $294 monthly and then the balance will go down, but only by that ‘extra’ amount I paid. So in all this predatory loan shark company, expects you to pay back a whole lot of money, triple the amount for what you borrowed, not worth it and other places charge less interest/fees.
Reviewed June 22, 2022
I really wish I could give 0 stars to this company! Back in 2018, I took out a very small loan from this company. I ended up not needing the money, repaid Every penny, before the due date. I get a collection email, shortly after. I responded to the email, telling the company that I already paid the loan back, with screenshots showing the money deducted from my bank account. Shortly after that, I get emails about a late fee charge on top of the loan and again about my tax return and to get caught up today! Mind you, I responded to every email and received No reply in return. Fast forward to this year, I'm going over credit reports, looking into my clarity credit report, and Speedy Cash took it upon themselves to report to this company, and thus far this company only, that I have yet to repay this loan, that I now owe them more than agreed. All of which is a lie.

Hi Teresa- Speedy Cash strives to assist our customers with all their concerns and provide the best service possible, we ask you contact us at your convenience. We thank you for your feedback. Should you have any additional concerns or questions, please contact Customer Service at 1-800-856-2911 or send us an email at CustomerService@SpeedyCash.com.- Chris C.
Reviewed Feb. 14, 2022
They want access into your account when applying online, to determine whether you bring in enough money to handle the loan, it's scary, but alright is what it is, this is where it gets bad for someone who needs money for whatever. They verify bank info, then tell you your approved and they'll deposit money into your account within a day, soon after that your phone starts blowing up with telemarketers, think maybe the real money for them could be in selling your info, I would vote a 100% yes. Then I start getting emails talking me into just driving to one of their stores and pick the cash up, which is an hour round trip for me, by the way I needed loan to do car repairs. They tell you what you'll need to take with you, 1 - drivers license, 2 - debit card linked to account used for loan and 3 - a reference number that verifies your loan approval.
I do as requested and I drive my hurting car to one of their stores to pick up my cash and they start the process all over wanting pay stubs, I didn't take any of this, so they reversed the loan. All that wasted time, I just can't believe how they had no intention of giving me a loan. If you only knew how much a list of phone and addresses go for, it's how telemarketers get leads. Using people who are having a low point in their lives and putting them lower, that's pretty low. Shame on them, karma is real. Just food for thought, scary thing is I hope they can stop at my number and address, because they get so much more. I'm changing banks because of it.
Reviewed Jan. 18, 2022
Speedy Cash advertised as a title loan, with the sole purpose of providing a loan designed for those who needed money in the event of an emergency. The company states that the loan amounts are determined by a income source and the ability of the individual to pay that loan amount back. With the assumption being, they will not approve a loan in which the consumer would not be able to afford based on verified income. On October 8, 2021. I applied for a loan in which my loan was approved for an amount based on doctored income. Although, bank records with direct deposit and proper pay stubs were submitted. The employee eager to approve and gain what I believe to be a “sale” doctored my income to increase the amount loaned out knowing that this would not be something feasible to repay.
Additionally, the representative failed to walk me through explaining the lengthy contract, or the payment options or disclosing the details and consequences of adverse action should I fail to meet these obligations. The company in my option has committed fraud; in order to boost sales. They did not represent that the loan was to be paid bi-weekly although it does state as much within 1 of the papers I initialed in a long unread contract. They failed to disclose that no amount of the payment was to go towards the payment Over 260.00 a month paid to only interest on a 1750.00 loan. The loan is set for 7 years. They failed to disclose that whether the payment was made on time or otherwise the consumer is charged a never-ending 8.00 dollar a day interest. They never disclosed that they would essentially become a 2nd lien holder of my vehicle if the loan was defaulted.
They advertised affordable lending in which reasonable parties could utilize for life’s unexpected events. When truly it was misleading if your stating affordable payments, when none of the payments go towards the principal of the loan. A 1750.00 loan is automatically accessed 250.00 and continues to accrue interest daily for the life of the loan. The only way this loan is affordable is if you pay it off immediately the following pay cycle. The company offers a loan designed to fail, and further insults the consumer by asking once approved "if you need more” in a rouse to take a advantage and offer additional funds based on souped up banking and income they simply enter into the computer.
This is fraud, misleading and certainly a gimmick, they take full advantage. I should have known it was to good to be true. Where others in the past had only approved me for 300.00 I was approved there for 1750.00 no doubt to their shady business practices as no way my modest check would be approved for this pay schedule. While I was jumping around the office in excitement an giving the young lady a 50.00 tip out of my loan. I should have been running. I am so ashamed, I am so embarrassed I actually thought that my hard work and paying bills on time had improved my credit enough to get this type a loan at 132.00 a month. I didn’t even take the time to review, I happily signed no explanation needed. I want to warn all consumers. It shouldn’t have happened.
Once I realized after the 2nd payment in the same month came due to from my account. I called immediately and was informed If you fail to read the disclosures, they will not allow you to speak with anyone with merit to help resolve or rewrite the contract based on your correct income and circumstances. They have you and at some point your robbing Peter to pay pal, then you're barely breathing and they will not budge to correct their error.
They actually told me the only way to speak with consumer relations or corporate was to default, otherwise they could not give me that information. It’s fraud- it’s disgusting and it’s preying on people in their most vulnerable state. This is the practices of Speedy Cash and the store I personally dealt with. 1215 S Country Club Dr Mesa 480-844-2274. If you had asked me to rate their service on 10/08; 15 out of 10 stars. If you ask me about the service today I’d say 10 out of 10 as they did their job and what expected of them by their company. Although, they do not give a dang about what happens to you because of their actions, falsifying your income or the dangerous games they play. Beware- the contract as it is; is what it says it is. Read it. Everything is fact. Do you want that money now.
Reviewed Sept. 17, 2021
I needed to get a loan and get a loan quick due to my current financial situation. I was approved for $5,000. After a few days of **, giving them my bank account number and routing number, kept getting told pay $100 for this, $200 for that, $100 for a credit background, so $400 later and even further in the hole negative, still was told it wouldn’t work. $200 for a Moneygram to get the money. Was never told any of this especially for a credit background. Didn’t cough up the $200 for the money gram. Really pissed off for losing out on $400 I don’t have anymore. Called and told them I wanted it cancelled and was told they did. Definitely a fraud at this point and I’ll have to keep a eye out on my account and if they try to take money out since I didn’t even sign anything even electronically I’ll take legal action as the only resort I’d have. Stay away from them. Save yourself the headache.
Reviewed Sept. 17, 2021
They will tell you that the information you put in during the prompts will not impact your credit score - but it will! They will an hard inquiry on your credit report before you get to even see your loan options and they will not take it off. Also, they do not tell you that they are going to do it or get your authorization to do it and it is not clear when you are applying for an actual loan. Also, the APR is way too high. A $2000 loan will have you paying back $10,000. Horrible.
Reviewed Sept. 8, 2021
Speedy Cash sucks!!! They rip people off. Don't get a loan from speedy cash unless your life depends on it. If you get a loan from them you will be paying them back for years. I got an installment loan from them. They charged me 5×s the amount I borrowed. 5 Times... So for a loan of 2000 the payback is 10,000. NOT WORTH IT! You would be doing yourself justice to look for another loan company. There are companies out there who won't rip you off like Speedy cash. DON'T DO IT!!! THAT'S ALL I CAN SAY. I CAN'T STRESS IT ENOUGH! YOU WILL REGRET IT!
Reviewed July 21, 2021
I took out a loan back in 2019, every time I get close to paying off the loan, I will log in to my account and see they have taken out the current available because either my loan amount would go up or my loan amount will go down. I have not taken an advance out since December 2019, I have been paying on this loan for a long time now, and I feel like I will be paying on it until the day I die because they keep adjusting the amount that I did not originally request. I call before to tell them to stop doing this, and customer service, just don't care, they wanted to take out another loan to pay them off, and then I will have another high-interest rate on another loan. NO THANK YOU!! This company is a bunch of scammers!!! DO NOT LOAN!!!!
Reviewed April 1, 2021
They are very happy and ready to help. They have been good to me. When I have to get money in a hurry they are always there to help and refer them to everyone. I don’t have to worry about if I’m going to be approved or not. I’m able to take care of business in a hurry because of their help.
Reviewed March 2, 2021
I can't say enough about how helpful, patient and professional the online financial services have been. They helped me to get the loan I needed with multiple options and helped to guide me so I provided what they needed to help me get a loan. The in store personnel are always friendly and professional. When I need a loan I only go thru Speedy Cash.
Reviewed Feb. 3, 2021
Do not I repeat do not get a loan from these people, they are not transparent. I gave my routing and account number only to find that it was a wire transfer after it didn't go through. I rep said he didn't know that he needed that number after he went upstairs. They made me get a google pay card and pay 150 bucks because they said I needed to get loan insurance, and will not refund the money although the rep didn't do his job and after that they requested I pay 350 dollars for a Western Union. And when I said no they said, "Just pay 200 dollars and then you'll get the money back and get your loan in 10-15 minutes," then later they said it would take 24 hours if they could get the insurance company to refund my 150. Notice the changing of words. Now I'm supposed to wait until tomorrow. I feel scammed.
Reviewed Jan. 25, 2021
Always on helpful and on time with the needs met. Signing up online is very easy to use and convenient. Get all my financial needs done. I will recommend Speedy Cash to everyone that know and all my family members to visit any location near them for their immediate and short financial needs.
Reviewed Dec. 23, 2020
I live in Dallas, TX. Not sure of the guidelines here, but their interest rates are crazy high. I received a $300 loan, and had to pay $85 as a "Cab Fee" every two weeks. None of this fee went towards balance, it's just a fee to keep loan active. You basically are paying half the loan amount to keep original loan active. I paid fee for first two weeks, called back 5 days later to pay loan in full off once I realized they were beating me over the head in interest - and had to pay another $85 fee with the $300!!! Their excuse was the fee generates a few days after the original payment. There was no interest or cheaper rate for paying off early, just a standard fee.
Any loan is based on interest and days you have loan, not this company. It's buried in the paperwork, but I accepted it and take full responsibility for being so dumb to work with this company. Believe me, there are Apps and other companies out there and I beg of you to keep looking before dealing with this one. This company is designed to keep you in debt, not help a person who falls behind financially. I'm glad I paid them off and done with them. You can easily fall behind and be stuck under there thumb if you do not pay them off immediately.
P.S. I really don't believe all those 5* reviews are people. Looking at the verbage and repeat messages, my guess is the company put them there. Just my opinion. Especially the guy in Cali who had a $200 loan and only paid $35 every two weeks. My loan was $300 and I was paying $85 every two weeks with none of that going towards original balance. I repeat, this is a shady company at best.

Yes, you are correct. The loans we offer are high-interest, high-cost loans. Certainly not a commitment to be taken lightly. We always want our customers to know and understand the terms of the agreement before taking the loan. If there are ever any questions we can answer, please do not hesitate to reach out to us. You can call or visit any store, or email us at CustomerService@SpeedyCash.com.
Reviewed Nov. 30, 2020
I would not recommend Speedy Cash interest rates or 249%. I've had my loan for 2 years. I paid $1,500 and so far on a $800 loan. I would not recommend Speedy Cash and they will not work with you if you're a good standing to make loan payments.

Hi Donald, we're sorry that you were not satisfied with your loan. Just like with a credit card, we always recommend paying more than the minimum amount due. This will save in interest paid and allow the loan to be paid off early. If you should need us again in the future, feel free to call us to discuss early payoff options.
Reviewed 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...

We're so sorry you didn't have a good experience on our website, Noah. Thank you for letting us know. Do you happen to remember what those error messages were? Any additional information you have we would be appreciated as it will prevent other Customers from experiencing the same thing. Please contact us at CustomerService@SpeedyCash.com. We hope you continue to choose Speedy Cash for your emergency cash needs in the future.

Reviewed 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.

Hi Dominque, we apologize for the delay in responding. Were you able to get your funds? When applying, it could take up to 3 days to get money depending on when loan documents are signed. Typically money will be received by the next business day (which could be 3 days if approved on Friday). For more information about funding times, please visit https://www.speedycash.com/funding/. If you still have not received your loan can you please give us a call at 1-888-333-1360.
Reviewed 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.
Reviewed 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.

Hi Heather - you are correct in that the loans we offer are high-interest, high-cost loans. Part of being a responsible lender is making sure our customers fully understand any interest/fees associated with their loan, along with the loan terms. If there are ever any questions we can answer, please do not hesitate to reach out to us. You can call or visit any store, or email us at CustomerService@SpeedyCash.com.
Reviewed 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.
Reviewed 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.
Reviewed 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!!

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.
Reviewed 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.

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.
Reviewed 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 **

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?
Reviewed Jan. 7, 2020
Look for someone other company. If I can give a lower rating I would. My husband has been a good payer, no late or whatsoever. And when he got hospitalize ICU (can't talk), I called them to let them know about it (warn them ahead of time). And they "literally have no clue on what to do on this situation". I try to understand that they can't give out any information to me (I'm the wife, I have all acct info, etc) but I have been transferred to 3 different departments and they all suck! They don't deal with this thing. "No clue on what to do".
First I called the branch. She kept repeating herself — she can't give me info, she needs to talk to my husband (well my husband is in ICU - they don't understand?), transferred me to cust relation (same thing +++rude), then transferred to customer service — another rude and clueless person. I mean common guys? Why don't you know how to handle this type of situation? End result, nothing was done. Even if I told them just put a note on the acct about what had happened to my husband. My main intention was to do payment arrangement just for 1 month (again my husband has never been penalized with late fee) and they had no idea how to help me.
Also, please when you recruit customer service rep to make sure they know "customer service". I mean how can they be rude? Like you're talking to an emotionless person with no clue. That's how it is. Great customer service = good company, so if they don't care about their customers all they want is your money and their very high interest, period.

This kind of experience is not what we like to hear, Kristine. We do appreciate you taking the time to share this feedback. To help us fully address your concerns, can you send a detailed email to CustomerService@SpeedyCash.com. Make sure you include your name and the best way to reach you so we can get back in touch.
Reviewed 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.
Reviewed Dec. 14, 2019
This company are straight crooks!! They took a payment out of my account a week early! When I called to tell them they have wiped my account clean and left my account $244 negative all they said was “sorry, we can’t do anything about this.” I am livid! Not only did they leave me with an overdraft bill but you basically took my grocery money!! I ended up having to get another loan to buy food!!!! I am sending this out to all the review sites and contacting the local news! It’s not enough they prey on people living paycheck to pay check with their high interest but then put you in even more of a financial bind by taking unscheduled payments! Once I am done paying these loans off I am done with this company!!

Hey Darlene, thank you for taking the time to explain your payment experience; I can understand why this would be frustrating. Our Customer Service Team would like to takea deeper look into your payments. Can you do me a favor and send an email fully outlining what happened to CustomerService@SpeedyCash.com? Please make sure to include your name and contact info with any other additional details to help catch us up to speed.
Reviewed Dec. 14, 2019
When I got a loan with Speedy Cash, I was aware of the high-interest rates but I was in a tight situation and needed money here and there to cover me. A line of credit worked well at the time until I racked it up to $1,000 and realized I would almost never be able to pay it off. So when I needed to get another loan elsewhere, I told them I wanted to consolidate Speedy Cash into that loan. The new, far more professional loan provider obliged helping me pay off the $1,000. Given Speedy Cash receives automatic payments from my bank account, I ended up with a credit balance of $186.77. All this happened in October 2019. It's now December 2019 and I haven't received my refund.
I've called several times and emailed and for the first few times, I trusted them when they told me they were mailing me a check according to their policy. It never came. I called November 6, 2019, after watching the refund sit in my account as a credit to it. I was afraid to deposit it in fear that they would charge me for claiming my refund money.
I was in a bind and needed a few dollars until my next paycheck and had been anxiously waiting on the refund check so I was forced to withdraw a few dollars from the line of credit. Yes, you read that right. Instead of letting me withdraw my refund balance since my account was paid off and had a refund balance on it, they removed the refund balance so I could be in debt with them again. Predatory! Also, on that call, I was told they had JUST sent the check off despite telling me before in previous calls that it was on its way and I needed to wait 7-10 business days. So here I am receiving mail from everyone else but Speedy Cash.
I finally called again on December 9th, 2019, over a month after they told me they were really sending my refund check at the beginning of November. The representative swore up and down that it was really being sent out. In hindsight, I should've demanded they sent it out with a tracking number for me to watch. Still, on this call, I get told an Account Specialist is looking at the account after I demand that the refund be credited back to my account again. Got a call back that same day from Customer Service. I returned the call to discover they want to verify my account and I ask, "You're not going to tell me you're going to send another check are you?" The skittish representative tells me "No, we're just verifying your address for the account specialist."
That was at the beginning of the week. Mind you, I've been dealing with them on this refund since October 2019, it's now the middle of December. Speedy Cash is fine setting up a line of credit for you to borrow from and getting your money back with great interest but it seems with anything else they are highly unprofessional. When I finally get my money back, I'm done with this company.

Hi Leroy, I’m sorry to learn about your experience. Thank you for letting us know abou this as your feedback helps us get better. We would like to look into this issue further. Please contact us at CustomerService@SpeedyCash.com.
Reviewed Dec. 9, 2019
So on November the 19th I sent Speedy Cash an email revoking their right charge my bank account/debit card. On 12/2 they charged it anyway which put my account in the negative, so they illegally took money from my account. For 3 days I tried to get it resolved. After speaking to multiple people I was told after the payment cleared they would issue the refund as well as the overdraft fee I received. I call Monday the next week and was told since I called today they would start the refund process, but not refund the overdraft that was caused by them taking money when they had no right to do so. Then was told about all the hoops I was going to have to jump through to even get the overdraft back.
Their people need to be made aware of all the processes it takes to handle a customer in this situation. On top of that if you go through speedy cash for quick funding they can deposit the money the same day or the next business day, but if they illegally take money from you they take up to 10 days to get the money back to you. Not good business practices to say the least.

Hi James, I get it - that does sound frustrating. I would like our Customer Service Team to take a deeper look into your account. Could you do me a favor and send our team an email to CustomerService@SpeedyCash.com fully outlining your experience with your name, contact info and best way to reach you?
Reviewed Nov. 15, 2019
I have been dealing with this unprofessional company on the phone now for hours with zero progress. Basically just told me there's nothing they can do. I took out a small payday loan of $200 and have made 3 payments only to find out my payoff amount is still over twice what I borrowed. The amounts that I paid towards my balance were not used toward my balance but towards only interest. My payoff amount after this is done will be over $500 for a PAYDAY loan. I do not suggest anyone every use this loan service.

Hey Lissa, we're sorry your experience didn't meet your expectations. Part of being a responsible lender is making sure our customers fully understand any interest/fees associated with their loan, along with the loan terms. If you would like to discuss any of these details, our Customer Service Team would be happy to help. Please feel free to reach out to them at CustomerService@SpeedyCash.com.
Reviewed Nov. 2, 2019
They request all your personal info so that they can share it with marketing firms that start sending countless emails and text messages advertising loans, then they send you a denial saying your score is 100 points less than what it really is just to get your info!! Beware!! Fraud!!

Roberto - I'm sorry to hear about your experience; it sounds very annoying. I can assure you the privacy of your personal info is our top priority. It is possible that you came to us from a third party website and you are getting communications from them. This is unacceptable. If you have any additional details, can you please email them to us at CustomerService@SpeedyCash.com so we can address?
Speedy Cash Company Information
- Company Name:
- Speedy Cash
- Year Founded:
- 1997
- Country:
- United States
- Website:
- www.speedycash.com
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