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

Yukon, OK
Verified purchase
My experience with Speedy Cash has been excellent. Speedy Cash is the best payday loan company I have worked with. Very fast indeed! I will recommend Speedy Cash to all my family,...

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

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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 β€” 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.

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 - 5
    Verified purchase
    Punctuality & SpeedRefunds & PayoutsStaffLoan Process

    Reviewed April 11, 2026

    If you're ever in a bind, you have Speedy Cash. My mother needed some help. I never got one from Speedy Cash before. She told me they were good and I went with them. I enjoyed the experience. It was seamless, and in and out in a few minutes. I had two people in front of me. We had just her and me, and the lady behind me. From the time I came in, it took 10 minutes tops. It was easier than what I expected. I had necessary information, and the rep made it happen. She seemed very knowledgeable of everything. She let me know about the $20 rebate that my mother will get for her recommending me. She showed me the process. She took the paper from me, put in the code, and everything worked out. I asked her again just to make sure, β€œDid it go through?” She said yes. On her next visit, when she pays her loan off, she'll get $20 off. It was a win-win situation for everybody involved. Great experience overall.

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    Response from Speedy Cash

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

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      Verified purchase
      Customer ServicePricePunctuality & SpeedStaffRates

      Reviewed April 10, 2026

      I've been doing business with Speedy Cash for the past 20 or so years. I always go to the same location off of Gaffey. It's an excellent place. The representatives are always very informative, and they're always willing to help you out and they're always ready to hit you with any questions that you might have, and try to help you out in any way. They try to get all the paperwork done as fast as possible, to keep me busy, talking and asking how my day is. I've never really had any problems with any of the employees there. It's always been great customer service. Even when it's really busy and they have a line, they're really quick to jump on it and to help out. So, it's been nothing but great experience and that's why I keep doing business with them. Their pricing is fair. There was a slight increase a year or so ago but it's not a big deal. I've had recommended them to a couple of friends throughout the years.

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      Speedy Cash
      Response from Speedy Cash

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

      Verified purchase
      Customer ServiceTechPunctuality & SpeedStaffLoan Process

      Reviewed April 3, 2026

      I stopped at Speedy Cash on Vermont and Rosecrans one day and asked them about a loan. They told me what I needed and I got it then came back. I've been going to them for a while now and the people are very respectful and attentive in helping out. I have been approved for whatever it was that I needed. I deal with the same little lady and she helps me out in doing what I have to do for signing my paperwork. If it's something I don't understand, she'll take time out and explain. I try to hurry up because there would be other people in there but she takes her time and makes sure that I understand what they are doing and how much I'm getting. The process takes not even a good 10 minutes. When I go, I tell her who I am, give her my birthday and phone number, and she pulls my record up and tells me what I have to do.

      I would tell people that need extra money to go there and tell them what they're looking for. I guarantee they can help them. Their personality is what I look forward to because I don't like going places where people are sounding grouchy and acting like they don't want to help you. But that Speedy Cash location is the best one and I would recommend them.

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      Speedy Cash
      Response from Speedy Cash

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

      Verified purchase
      Punctuality & SpeedBillingLoan Process

      Reviewed April 1, 2026

      Speedy Cash is speedy cash. I thank them because without them, I wouldn't have that money I needed. I might be late on my bill, but I come in and pay that thing and Speedy Cash will give it back to me. I love them. I only get loans from them. I deal with nobody else. Currently, I have a loan out and I plan on paying that back too immediately.

      Speedy Cash was the closest to where I live. And the only one I saw because of the signs on the billboard. It looks so clean standing out from the environment that it's in. That building resembles a school or a church because it's always clean around it, and it's always nice to come in. Once you sign up and you're in, you get your money and get out quickly and I enjoy that part. It's in and out in 10 minutes. There's never that much business, but they always have multiple people at the window. So if you come in, just to say they were all full, you would have a window to go to for that part.

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      Speedy Cash
      Response from Speedy Cash

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

      Verified purchase
      TechPricePunctuality & SpeedStaffLoan ProcessRates

      Reviewed Feb. 25, 2026

      If you need any money or you need some help, Speedy Cash is the place to go. I have been going to Speedy Cash for a while. They're close to my house. All those girls down there are very respectful. One young lady is over the rest of them. They look out for me because before I got sick, I used to come in there and it was nice. I came in there with a walker, and she came and asked, "What happened?" I told her I had a stroke and behind two surgeries. She looked at me and asked, "Are you gonna be all right? Can you stand?" I said, "I feel kind of weak." She came out that room back there, got the chair and set it down in front of her window and went back in and handled me. Everything took no more than six or seven minutes.

      The lines are long, which we understand because everybody comes in there, but some of us, like me who is on dialysis, would like to have some water. That's one thing Speedy Cash doesn't have. That would be nice because there are a lot of us older folks coming in there. Also, Speedy Cash could open up a bit more money, and instead of that payday loan and locking us in at the same price, extend it a bit, after people have been loyal customers like me.

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      Verified purchase
      Customer ServiceRefunds & Payouts

      Reviewed April 30, 2026

      The application process was simple and pretty easy. The customer service was pretty good. I didn't get my $50 gift card, though. But overall, it was a good experience.

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      Speedy Cash
      Response from Speedy Cash

      Your feedback is highly valued! Thanks for sharing.

      Verified purchase
      Punctuality & SpeedStaff

      Reviewed April 18, 2026

      Speedy Cash is awesome. They were very professional. Their lending process was prompt, quick and very easy. This experience kept me afloat. I'd tell others to give the company a try.

      Thanks for your vote!
      Speedy Cash
      Response from Speedy Cash

      We are thankful for customers like you!

      Verified purchase
      Punctuality & SpeedStaffLoan Process

      Reviewed April 15, 2026

      I can get a loan easily at Speedy Cash. They are the first thing that I think if I need money. They help me a lot and the people there are so nice. I'm their regular customer every month. The process is so easy as well. I would tell others to try Speedy Cash.

      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 & SpeedStaffBillingLoan Process

      Reviewed April 12, 2026

      I got a loan from Speedy Cash for personal bills, and the experience has been good. Their lending process is fast. I did the application in person, and the representative that assisted me was friendly. The process was completed within a few minutes. I'm happy with Speedy Cash.

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      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 & Speed

      Reviewed April 9, 2026

      Simple way to get emergency cash when needed. Sign up process was quick and easy. I would recommend this to anyone that is having a financial emergency. They also deposit the funds pretty quick. 2 Thumbs up. πŸ‘πŸΌπŸ‘πŸΌ

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      Response from Speedy Cash

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

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      Speedy Cash Company Information

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

      Media

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