Speedy Cash Reviews

The loan process is fast, quick and easy... hassle-free. The website is user-friendly and easy to use by anyone. Also like the notification when my funds are being transferred into my account. The funds are delivered the next business day. What more could I ask for. Great service overall.

I am very disappointed with this company. I took out a loan on 7/23/2016 then a smaller one on 11/23/2016. The grand total was $498.97. I was not walked through the loan at all. I had no idea that making my payments so little was going to the actual loan, that most of it was going to the interest rate. I have already paid $837.66 and I was told that I still owe $418.97. If I pay it off today I will pay a grand total of $1,256.63!!! That is insane!!! Please rethink taking out a loan with them. I called trying to get them to work with me and they told me flat out that there was nothing they could do. Very upsetting!!! I will never use this company again!

Everything was fine and easy. I am a senior citizen and it was easy for me to follow. Have been using online for some time now to even make the payments. Would be more than happy to recommend Speedy Cash to my family and friends if they had a need to get a payday loan.

I have been very pleased with Speedy Cash the way that they handle their business. They have a very easy online application process and the way that they give reminders before your payment is due. Very convenient payback options and extended time if needed. Fast friendly service. Always somebody there if you need help. Just apply online if you don't have very much time. No need to run to a store and wait for in long line. Very simple.

I need more money but then you give me only $75.00 and changer right way. I need more money. I am going to hard time ship and need more money and you guys never help me with more money. Money with less, money that is worthless, less money and never money at all.

I was having a problem accessing my account online so I visited my local store and as usual, they were more than happy and competent to help. It was not the first time I had a problem of some nature and they have always done their best to aid me. It is always service with a true smile.

I received a payday loan from Speedy Cash. On the day my loan was due, I was about 10 minutes late getting to the office as I live out of town. When waited on, I was told I could not re-loan because I was not there by 2:00 pm. When I called the store about an hour later, I was then told that my check had already been deposited.

Our experience is excellent. They're always nice, never a wait. I would and have told people to use Speedy Cash. The best payday loan we have ever gotten. It's quick. And people are so friendly... treat my wife and I like they have known us forever. You can pay your loan online and get another loan and just drive over there and get your cash.

My experience is awesome. The process is quick and simple and I am very much satisfied each tiime I apply. If anyone asks me if I know about a payday loan company that is fair and willing to give them a chance at a loan there is no doubt that Speedy Cash is the answer.

I went to Rapid Cash to take out a payday to pay my energy bill and purchase some groceries. As soon as I walked into the establishment, I was greeted by friendly cashiers. When I finished filling out the application, Allison asked if I have copies of my recent pay stubs and a statement from the bank. When I handed her the documents, she was impressed with the fact that I came prepared. She asked if I can give her five minutes to process the information. Once finished, she told me that I was approved and recommended the installment loan, which has manageable payment options.

Quick, discreet and easy process for emergencies. Rate seems to be lower than comparable services offered online. The improved website is welcome and helped making signing documents easy. It was also easy to access from the application. This was my third transaction and I had no issues. Funds deposited within 24-48 hours.

I write this as a warning. You may feel overwhelmed or want to go on that sweet vacation.... don't get that loan through Speedy Cash! You will be worse off than when you started. I used the app, I made monthly payments on time. I got an email every month saying when my payment was due. When that final payment came due of about the same amount of my loan... I never got an email or an alert on my app. Nothing! I never received an email stating the final payment was due! Not good business! Do not use Speedy Cash! Find a local loan office, they are sweeter and more understanding.

When I first took out the loan, I asked specific questions about monthly payments, if I made payments in the amount larger than my monthly would they still take it out of my account. They did. They said No they will not take out of my account if I made a bigger payment and they did. They assured my payments would be due on the 17th of each month, and they started to take money out of my account every 2 weeks. Everything I specifically asked about they reneged on. I call the headquarters and made arrangements with them and the headquarters reneged on the arrangement we made. I WILL NEVER EVER USE THIS COMPANY AGAIN. I can't wait to pay them off because they are absolutely horrible and an added stress factor. I HATE Companies that practice bad business, and have no integrity and Speedy Cash is one of them.

I appreciate the ability to make my loan request online and receive my response online within minutes. The process was easy to complete and easy to understand. When I had an issue with the process, I was able to contact Customer Service by phone and resolve my issue. Being able to repay my loan online is easy and convenient.

I have used Speedy Cash multiple times. I can always count on them to be there for me and make it easy to get a loan! They are always on the spot with the money and I've never had any issues using them! If ever I have a issue their customer service representatives are always helpful and polite.

The application process was quick and easy! I got approved for a payday loan immediately and it was in my account the next day! I have not had any issues with Speedy Cash and I use them a lot just to help out with bills. I recommend them to all my friends and family!

Your company always handles my request professional and expedites the deposit well. They are also very thorough with the contract so that it is clear and readable. I would recommend your company to a friend or anyone needing a cash loan. My due date for repayment has been agreeable to me.

I have dealt with Speedy Cash for about a year and they have been great. The only complaint is the time it takes to pick up your funds once you get to the store. I think they should have a window strictly for people who have done application online.

Please don't go to SPEEDY CASH at 2812 N Main St #68. The ** worker (kinda chunky) name ** - she all up in your business. Also says too much paperwork! Complaining about her job? So why is she still there?

Only one drawback to using Speedy Cash. It does not help your credit if you are paying back on time with no troubles. It would be nice to get that benefit. Other than that it is as fast and easy as it could be. The calls to customer service went very well and I was happy with the whole process.

I applied online for a loan. Service was fast. Customer service was very good. Answered all my questions. Would recommend Speedy Cash for anyone in need of a loan. Even if you are retired on a fixed income Speedy Cash will help you. I am very thankful for all their help.

Speedy Cash is ok if you do the loan online, and do not have to go into the store. I went to the store once, and customer service is not one of the traits that the loan officials possess. Other than that, the online is way easier, less of a headache, and you don't have to put up with BS attitude.

Resolved with Speedy Cash's 5-star customer service. I recommend SC to anyone needing a short-term loan.

Great customer service from start to finish. Always fast and friendly. Always a clean store. I like that you're treated like a person and not a number. They always ask how I am doing whichever location I go to. I always do business with Speedy Cash and Speedy Cash only.

Very user friendly website and whole procedure was simple from beginning to end. Very easy and would highly recommend. Written in very common terms and easy to understand and comprehend. Really appreciate the payment terms that were reasonable and easy to work with. The ease in the transaction was very helpful.

I would tell a friend or family member about your loan service. Your company's website is very easy to navigate through. I have used other companies websites for a variety of reasons and yours is a lot easier to navigate through. I can tell you horror stories about other companies websites and I'm not kidding. Keep up the awesome work!!!

Speedy Cash is a nightmare. I originally pulled out a loan for only $700. I was unaware what refinancing was at the time explained and now I owe $1850. I have been paying $321 every two weeks to this place for almost a year, $642 a month. DO NOT GO HERE.

Using Speedy Cash is easy and hassle free. I don't have to leave the comfort of my home, I just go online to apply and I have an answer within 24 hours. Customer service reps are friendly and courteous. Glad my daughter recommend them to me. I will certainly pass the recommendation on to someone else. Thanks for the great service.

The online process was so easy and quick. The website is very easy to navigate. The response time is immediate and funds are deposited the next day. I was very happy with the service and would use Speedy Cash again and also recommend it to anyone needing emergency funds. Thank you for making it painless.

Installment loan. It wouldn't let me change the amount you want to borrow. Like I want borrow only 1000 and I could change it. So, it took me to 2600 loan. I was decline. It was ok too. I don't have pay big payment. It would nice if they could do better job.

Just want to say thank you these loans help me get by till my next check. It's fast and easy to get the money heterogeneous it's by atm or cash pick up. I have two girls and it helps so much when I am running out of funds. Thank you Speedy Cash for a great service.

I have been a customer of Speedy Cash for almost 6 months now. Love the speed and service that I have received. I would recommend their loan service products to anyone looking for a stress free loan of any kind. Within 24 hours your money arrives in your bank account or you could pick it up at a combiner location. Hassle free service for All.

I just wish you would give better payment options and help customers out that can't pay the whole amount back at once. Have a better understanding with customers that been with a long time. So please give regular customers a break on payments. So please help out the regular customers.

Every time I have applied it has gone very quickly and if I have a question, customer service has been great. I have always had a great experience with Speedy Cash and have recommended my friends. I have been pleased with all the help I received from Customer Service. They were very friendly and helpful. I have enjoyed my experiences very much.

Speedy Cash is super convenient and super easy to use. No harassing phone calls, no telemarketers. Just a simple on the spot "yes" or "no" answer and they're very convenient and easy to work with. Thank you Speedy Cash for your help and for being there in my time of need.

I am very grateful to Speedy Cash for being there for me when I need extra cash. I am going through a hardship period and am trying to reorganize my finances. This is my goal for 2017 and I know I will accomplish it with Speedy Cash help. Do you also issue installment loans? I think it will beneficial to me in my situation. Thank you.

I have never had a problem with using Speedy Cash. It's always been fast, convenient, and overall just pleasant. The website is user-friendly, and customer support is always available to help with needs over the phone. I highly recommend anyone use this service over the countless others that may be out there.

I am very satisfied with the service every time I need a loan. Whether is to apply for a loan or if I have any questions, I always get a quick and satisfying answers. Thank you for being there when I really needed it. Made it less stressful for me.

I do my pay day loans online and I am very happy with how easy it is to get my loans. Thank you for your service. It is always a easy process. I would recommend Speedy Cash to all my friends and relatives. I love the way I can request a payday loan right online with a few simple steps.

I was not made aware in clarity, of how the refinancing of my previous payday loans actually worked. I took advantage of the option, but was not clear about the options I had to pay it back. It put me in a worse financial position than what I was in initially.

My experience with Speedy Cash has always been great, they get a 10 in my book. I've been a loyal customer since July 2016. Never had any problems, always quick to respond and helpful with every question I have had. Great people in the customer service department. All in all awesome experiences every time.

The service is easy and reliable. I use the online service and it keeps me from going into the office. I had an issue of a replacement ATM and they worked with me. There are very nice staff in the San Bernardino store. The store is clean and has toys for my grandkids.

Speedy Cash lives up to its name! I got my payday loan fast and it's easy. They have an online process you can try first, which didn't work for me, but I went to one of their locations and was approved within minutes. Got cash the same day. It's easy to make payments and borrow additional funds online.

I would recommend Speedy Cash to anyone needing the services they offer. The loan process is seamless and quick. Excellent customer service department. Speedy Cash has been there for me through financial difficulties and continues to be the on-line loan company that I choose to get on-line payday loans through. Thank you for your company!

I like the way you handle your account. The website is there a easy do. I would definitely recommend it to everyone I know. This company is the best company I have ever dealt with and I'm happy that you have been able to help me. Customer service is the best that I've ever dealt with. I am very happy that you have been able to help me in the past and I hope the future you will be there when I need you. I really don't have too much except I'm very happy with your service and maybe possibly I could great price that I could get in the future.

I'm pleased with the willingness to answer any questions that I might have. I'm also pleased with the ease of being able to make a payment online rather than having to go into the store. I enjoy being able to apply online and have my loan ready for pick up in the store rather than having to wait for it to be sent to my bank account.

Even though the interest rates are high I would recommend Speedy Cash to friends that need help between paydays. They have been very helpful for me to get through the holiday shopping season. I had trouble with the app one time and the customer service was great. They were more than helpful and very understanding.

Awesome service. I would like to see an expansion in services to include longer term loans. Love the concept, supply chain at its best. The timelines from start to finish was excellent. No wasted motion, the internet was secure and helpful, aided in a flawless experience. I would recommend Speedy Cash to everyone. Your representatives has brought distinct credit upon themselves, management and Speedy Cash as an organization.

I am very happy with Speedy Cash. They make it very easy for you to get your cash, without having to come in and receive it. Yes I would recommend my friends to go to Speedy Cash to get Cash. The ladies in the office are very nice and courteous.

Customer service is amazing and really helpful. The process of getting my loans are right about 5 minutes, so I'm in and out really quick. All the employees are friendly and they welcome you with a smile. I will definitely be going back to Speedy Cash in the future, and recommend Speedy Cash to my friends, and family.

Very helpful, kind, & courteous. I live in MS but was traveling out of town to visit family in Birmingham, AL & called Birmingham office to see if I could come THERE even though I reside in MS to receive my funds & they were extremely helpful & so nice. I actually recommended your facility to my sister, Candi ** & the next day she went online & applied for a loan & picked it up from the same store just yesterday! Thank you for your help!

I was very impressed with how clean and well-lit the facility was. Customer service means a lot to me. And the customer service of the staff here is top notch compared to other loan places I've been to. I would definitely recommend to a friend. Speedy Cash has my continued business.

Everything went perfect! No hassle, no long wait for the funds I needed and everyone in the office is always very friendly happy & positive! Although, I did my previous loan online so no customer interaction, but everything went flawless and I received my funds in my bank account the next day!

The rates are really high. 6-700% is too high. I would have got more but rate is too high and I get loans all the time. Ace Cash gives me better rates for more money for being a loyal customer. If you could lower your rates for loyal customers it would be great.

Very good service and the application for a loan online is awesome. Very easy to fill out and very prompt in getting the money into my account. I would recommend this to my friends. Being able to be on a payment plan is very easy to make payments. Thank you.

You have been great, very fair, and worked with me. I think you are great!! But I am baffled by why I only received half the amount that I could have? I was just wondering if I could get the rest of the money that was offered. Is there some way to do that? I really do need it!!

I believe you do a good job. Unfortunately some people can not get the money from conventional means so you fill a purpose. I think you could all lower your rates and finance charges and still make a handsome profit but hey greed is acceptable in most of today's society so.

Excellent customer service from every person that has helped me with getting a loan. They have far tremendous patience in talking me through the internet phase of the loan process as I'm not all that proficient in the technical aspect of the final step. Also I like how quick you receive the loan direct deposit into your account.

I experience problems of getting documents of the application on this company. The loan was approve, but through the whole application I did not get and contract of repayment, but the repayment was explain verbally by the representative. The information I got from the internet was all wrong and difference. I borrowed $460.00. The information I got was installment of (6) months at a very high cab fee. I found out that this loan was going to cost me $1548.00 on borrow daily interest monies and less applied to principal. Just borrowing $460.00 this loan would be paid back (4x) borrowed amount. Now I am struck with less monies of a loan due to not getting information in the beginning of the application of the cab fee.

I have been using Speedy Cash, when I find myself in a tight situation. I really like the convenience and the quick loan process maybe 5-8 mins online. To make things better and easier, the customer service team is extremely helpful and friendly. I definitely recommend "Speedy Cash".

You do a great job. Your fees are fair and your service is great. I use your service when I'm low on cash. Have given your website to my daughter to use also. She loves your low fees too. Thank you for being there when I need help. Wish you could loan more though.

Easy to work with and always on time. The money is always there exactly when they say it will be. And the instant funding on the card is an awesome feature. I am a widow with 2 teenage children so sometimes I need a little extra cash to make it to pay day. Speedy Cash has been a life saver for my children and myself. Would definitely recommend them to my friends.

Fast, easy and immaculate services. There was no hassle when receiving funds and the best part is their pay back service is very convenient. The feedback and the process was just great. I would recommend them to others in my situation. I love the fact that I went through no I mean no issues and plus I was already a previous customer so that really just made things better.

Everyone was great, nice, polite, and very professional. My only regret I wish I woulda took out a little bit more. Thank you very much. Plus the money was in my bank account the very next morning. I would recommend Speedy Cash to anybody that needs a small loan. Thank you again very much.

I had been going to a store where the people were not friendly. I was delighted to find I could conduct business online. I have called customer service several times, and every time they have been courteous, friendly and knowledgeable. As someone who worked in customer service for 21 years, I know good service when I receive it!

We had an issue where my card wouldn't go through and customer service helped us and we got it to go through. They were helpful the second time and was very pleasant and helpful and very understanding.

It's a good place to borrow money from but you need to pay it off fast because they'll mess over you if you don't because one time, I borrowed 200$ and ended up paying 900$ back because the lady didn't explain it to me correctly. I was so mad but lucky my sister helped me paid it off.

Your online customer service was very quick to answer with my request for assistance. There are no complicated forms to fill out. I only wish that there were locations in Northern California to visit in person besides visiting the website. It's nice to have Speedy Cash as a place to go to when I need help.

Speedy Cash helped me when I most needed help without any questions. They are fair and allows option to pay loan back. I will always feel comfortable using Speedy Cash for a loan and it's comforting to know they are always there for me when I need help. Thanks to Speedy Cash, I was not late on a bill I owed due to spending the money to fix my car.

Poor customer service. I will never do business with Speedy Cash ever again. I always make my payments on time or before they are due. I'm never and I mean never been late... I was charge a $30 fee when it wasn’t my fault. Speedy Cash has always draft my payment from the same debit card whenever I borrow. Now out the blue they tried to draft my payments from a debit card that hasn't been use since last year. And Speedy Cash putting the blame on me because I didn't remove the card... my past history shows the same debit card automatically draft on due. But it's okay. I'm just one of many customers that will never do business ever again. But I will make sure I do tell my friends and family who are customers or anyone who may need a payday never to go to Speedy Cash. My two of friends and my aunt have already deleted their debit card from the site and sent in a email to remove the check long account.

Service was super easy and fast, and the customer service person was very nice. I did not have a wait time. I was helped immediately. Then when done with my loan, was explained when my payment was due and what was the payment amount. Then after all was said and done, I was asked if I need assistance with anything else.

Best reliable lender, never thought I would get a loan but I did. I was so happy that I couldn't believe it, it was a super easy process when filling out application. I recommended this site to so many people that I know. It's so amazing that this site is available to anyone.

I renewed my loan with no problem. I also have extra income to add which she said wait until my payment Tuesday. Everything only took about twenty minute which was great. The staff was kind and very knowledgeable. Also the office was empty of customers which was great. Probably because it is a twenty-four hour service which also help a lot.

My experience with Speedy Cash has been nothing but positive and they are helping me through a really difficult time in my life financially. I would recommend them to a friend for sure. I've dealt with other lending companies in the past and some of them were not what they say they are. Also I've found that that there are so many scams out there to take advantage of people at a low point in their lives.

It is very convenient to apply online for short term loans, or larger loan amounts also. The online loan application is friendly user, which I've had no problems getting a short loan approved. Will continue to use the online system as needed, and will recommend it to others. It is always my intention to establish an excellent credit history with Speedy Cash. Thanks!

I've had an account with Speedy Cash for at least two years. Lately I've been receiving emails reminding me of my payment due date, which is the 4th of each month. I HAVE NEVER BEEN LATE, NOR HAVE I EVER MISSED A PAYMENT. Recently I asked Speedy Cash to stop sending the emails because I know when my bill is due. They continued. I then asked them to send my statement via the US Postal service. I was informed that was not an option for them. I recently had eye surgery, which makes it difficult to go online because I've been hacked once and don't wish to go through that again. I think this is an illegal practice they are doing. I informed them I would like to keep up with my balance, since they think I need reminding when my bill is due. I might have overpaid them and would never know. They could even retaliate against me for doing this. Please help me.

Speedy Cash has always been there for me, I appreciate that they are able to help me when I'm running low in cash. Thank you for always helping me out. Everyone is always so nice, and I appreciate that, cause when you're feeling down when you have no money they always make you feel comfortable to borrow money. They don't look down on you and I really appreciate that. Thank you again.

Had some car trouble. Needed some quick cash to get it fixed. From the time I applied took about 10 minutes to get approved. Had the money in my bank the next day. Did the whole thing online and it couldn't have been easier! I would recommend Speedy Cash to anyone who like me had some bad luck and doesn't have credit.

The online service concerning a payday loan was excellent. The people at the store I go to in San Marcos are very professional and friendly and they help out if we have any problems. First class store, except for the electronic device you now fill out - didn't work very well for me.

I just don't believe this is a good option for anyone but in an absolute emergency. I started off using them as a payday loan lender, and when you get payday loans you get what you expect. I then switched over to their line of credit loan THINKING that would be a better option. The application process was quick and easy. I had no problem with the application or getting.

I like that renewing my loan is easy and that getting the funds deposited the next day is so convenient. The loan process is very simple and quick. I like being able to have everything processed online.. makes for a better experience. I would definitely recommend this loan company to friends.

I have had no problems getting a loan and the payments are taken out of my bank account on the day due so I don't have to worry about it. I had a problem once trying to get a loan online but I called customer service and they helped me solve the problem.

This company really lives up to its name, "Speedy". I like the fact that you can complete a loan request via the internet, print it out and take it to the nearest Speedy Cash and get your money with no extra paperwork to complete. I also like the idea of having the loan paid back using your debit card, which eliminates going into the store with cash to pay back the loan.

They have great rates, it was very easy to get loan. I would recommend to anyone and all my friends. I do wish they had installment loans though with higher loans. But I will continue to do business with them nevertheless. They were easy to find and do business with online.

I am pleased with my experiences with Speedy Cash. Would be better if I could earn my way to a higher loan amount or earn the ability to partially extend the loans. If these options were available, I would continue to choose Speedy Cash. Also would be beneficial if it would raise your credit score as you go.

Fast convenient service, easy application process, dollars in my account next day. Reasonable fee for the service. I am a satisfied customer. I have needed emergency funding on several occasions over the last seven months due to the fact that I lost a business in 2008. Had to file bankruptcy being unable to pay off past debts as a result of losing my business and going forward I lost half of my income which was after two years of struggling to survive. I procured a pension from the VA and they filed for SS at 62. I lost my pension when I acquired my SS Retirement but not until I had run up a $7000.00 overpayment to the VA which I am now repaying as well. Thank you Speedy Cash.

The customer service rep I spoke with was very nice and knowledgeable. I appreciate them very much. I would recommend them to a friend. I don't know what else to say. I just know that they are very kind and courteous and very helpful. I enjoy doing business with them.

I think I have certainly OVERPAID paying this loan back! I borrowed $500 and over a year ago and I am still paying it back! I guess I should have read the repayment paper better! My fault! However, I just assumed it wouldn't take this long to repay a $500 loan and thought it was broken down to where it would be paid off over a certain amount of months, like most loan places. NEVER again will I borrow from them! 14 months later and I still owe over $300! SCAM!

Great service, easy and there when you need it. Even with somebody with bad credit it's just a few easy steps and then you are there. They put the money in early the day it is promised. They electronically take it out of account the day it's due making it a no hassle and stress-free. Would definitely refer to them.

I have been a customer with Speedy Cash for about 3 months. The application progress was easy and fast. Followup by customer service is excellent. My experience with speedy cash customer service agent I feel was good and respectful. Everyone that I have interacted with have been very courteous and helpful. I like the option of changing my payment due date. Please keep up the good work.

Speedy Cash took out a payment out of 2 accounts and has not refunded me one of the payments back. I live on social security and do not have much money to be paying twice. I don't know what I will do if I don't get that money back soon.

I was told the ridiculous interest they charge would be suspended while I was on a payment plan. Turns out my $353 in payment went to nothing but interest. They refused to let me speak with a supervisor and sent me to third party collections. This pathetic excuse for a company preys on people's desperation, and they ABSOLUTELY don't care about their customers. I know people that have similar experiences. DON'T GO TO THEM, YOU WILL 100% REGRET IT.

Speedy Cash has been amazing! When my car broke down and we weren't prepared, Speedy Cash was helpful! Applying and getting approved was easy. Customer service is great! I give them 5 stars and highly recommend them if you need a quick loan. Thank you Speedy Cash for helping me out!

Very easy online process. The payback options are great & save me a lot of time being able to repay with my debit card. I love not having 2 go into the store but it's optional to go in store if I want to pick up my funds the same day.

I have to say it was easy getting approved for the $500 and there was very little information. I took out this loan in September 2014, and today I decided to pay $200 on the principal of my account, but it doesn't work like that. My payments come out on the 3rd of every month and they vary around $125 to $101. After paying the $200, $87.37 went to the interest, and $112.63 went to the principal. I asked the manager why all of the payment didn't go to the principal and she explained to me that the payment is broken like that because that's the way they do it. So I decided to go back and pay off the rest of the account and I asked what I owed, and the remainder due was $288.58. ($36.30 went to principal and $252.28 went to principal).

A few months ago without my consent I received an email from Speedy Cash about an upcoming payment. This was at 4 am and woke me. I complained and then was told that instead of paying $45 for interest on my next loan it would be $25.00. I was not happy with the way they handled it and they cashed my check for $300 and I assumed the next time I utilized them they would honor that since waking anyone up at 4 am with their auto emails - and people there are time zone settings - soured me on them and the way they do business.

The loan process was quick, easy and convenient. I was actually a satisfied customer until I tried to log-in to the app that we're supposed to download and log into everyday for a chance to win $1,000. Every time I tried to log in, I would get an error message saying the system is down. What's even worse, I kept receiving emails saying "Did you log-in today?" No! Because when I tried, you kept saying your system was down!

Customer service department was very polite and professional. The overall experience in getting the loan and funds deposited was far more difficult than other companies I've dealt with in the past. I would be more likely to revisit another loan company in the future. Also the time it took to get funds deposited took 2 days longer than other companies I've borrowed from.

Your rating would be higher however I don't believe you allow people to borrow what is truly needed. The refinance option is great but needs offered at each payment not just a couple. I also believe returning customers should get a bonus for loyalty.

I want to warn everyone that Speedy Cash will screw you over and over again. I have one loan from them. I got in back in March and I have been trying to get them to move the payment day by one damn day. And they will not do it. I get paid on Thursday and they want to pull the money out on Friday. I told them that will not work. So they told me they would move it back one day and they Never did. So it makes it very hard to pay them back when they will not work with you. Oh and the kicker is when they get it up to around $300 then they flip it to Thursday and pull the money out. That is twice the amount I needed.

I always borrow the max. of $255 when I need extra cash. I pay out $300 in the end, but, I do get approved for the loan without any questions. Paying back the full amount plus $45 within the 2 weeks is not always fun or easy, but at least it's a little help that other loan dep's hesitate to help out with.

Very easy to fill out application and super fast delivery. Always the next day at midnight I will receive the cash in my account. I would definitely recommend Speedy Cash loans to any of my family or friends. I have been using them for over six months and have never had an issue.

Great service, fast, easy, convenient. Perfect way to get through an unexpected bill. Customer service great to work with and very helpful, and polite. I would recommend this company to anyone. You can apply online or over the phone. Thank you for providing this service. Only thing I would like to have is a reminder email a day or so before payment is due.

I needed some extra cash and Speedy Cash has accompanied my needs and I didn't have to pay it back all at once. I get paid once a month, it is convenient that I can pay it over time. The service is excellent and the fact that it is done all online with the funds going in the next business day.

I will NEVER EVER go to them again. Nobody should ever get a loan no matter how desperate you are. They are a joke! Thanks to them my entire business got ruined. I've never been so mad at a loan place and never had a loan place treat people so poorly. Thanks speedy cash. Hope you enjoy ruining people's income.

Pleasant workers. Crazy interest rates. I only go to Speedy Cash when I'm on a time crunch as they are near me. Otherwise I would drive farther to borrow some money from a competitor. I do like that money can be sent to your bank within a day or it can be picked up at one of the locations.

I wouldn't change nothing about you all because I get good customer service with you all and I am very satisfied with you all. Thank you. I would highly recommend your services to a lot of good people. The only thing I wish you would change is the due date a little longer.

Everything from start to finish was professional and best of all easy. Speedy Cash has an easy to understand easy to use website. They go out of their way to make getting a loan an effortless experience. I would recommend Speedy Cash for every needing emergency funds. The need for occasional cash can be overwhelming. Use them when the need arises.

Have done business with Speedy Cash on various occasions where I was low on funds and needed a timely solution. My experience has always been great throughout the loan process. The application is simple and straightforward, a review of the details of loan are always provided prior to commitment, the funds are promptly sent to bank on next business day and finally the exact amount is deducted from your account on date agreed to. A plus for me personally is that my debit card is linked to my account so I know the amount is cleared immediately. Cannot find any faults with my own dealings with Speedy Cash.

This is my third or fourth time using "Speedy Cash." They are fast and efficient, with great CS Reps. They genuinely explain every detail and send a week's advance notice by email when loan is due. Reps are VERY Professional and VERY HELPFUL.

Speedy Cash has excellent customer service. They are friendly in person, by phone and online. They reply quickly by email. I would recommend Speedy Cash who needs help financially. Keep it up!!!

I love this company. This is not a scam. I used to ask relative and friends for a loan and they all turned me down, but now I found Speedy Cash I don't have to deal with that anymore. I have a line of credit loan and it's great. Thank you Speedy Cash for your Positive Feedback to me and others. I strongly recommend this company to anyone that needs Speedy Cash. It is what it is and that's Speedy Cash. The great and accurate Customer Service is Superb.

I needed money fast to pay bills and the application was quick and easy. I was approved for a higher amount than I needed at the moment and later on I needed more cash for unexpected expenses. So I asked for more money and it was simple and easy. Money is taken out of my account every time I'm paid and I don't have to worry about the loan not being paid on time. Transfer money straight to my bank account the next day and been a great experience ever since.

I attempted to do my loan online and had complications and spoke with the most awesome rep on the phone that walked me through the entire process. A huge help in getting me my funds and was able to make me feel at ease with doing a loan online. I very much appreciate your service!

I came to speedy cash for a loan of $240 In April 2016. The payments were $44.80 twice a month. Reasonable I believed. It is now October 2016. I have made each payment up to this point and my balance is still $133. Their interest is applied to your account DAILY. So for everyday you don't make a payment, the total loan amount you have to pay increases. They DO NOT tell you this when you apply. If you disregard my warning and feel you can manage it then be warned. If you do not have enough money, they WILL NOT give you an extension and they WILL overdraft your account. The $240 was NOT worth it. I would rather have let our bills overlap.

I've had couple of payday loans with Speedy Cash Store #175. I always have great customer service and I will recommend Speedy Cash highly to my family and friends. 100% satisfied with service. Thank you for your time and God bless.

Your application process was fairly straightforward. Which I liked. It didn't take too long. You took my payment on the right day and for the right amount. I like when things work properly.

Very friendly staff. Payment option far as refinances could be a little different but it's ok and it has been working for me. Thank you so much.

You guys are always great!! You always work with me and I love the customer service!! I tell everyone about you when they are in a bind!

Speedy Cash has always helped me whenever I've needed them & I truly appreciate their help. I'll recommend Speedy Cash to everyone I know. Thanks Speedy Cash!

I have been using Speedy Cash for several years and continue to do so because of the great customer service and how easy it is to obtain a loan. I love that I can get the money same day.

I needed an extra day to get funds in my account so I could make my bi-weekly payment, and they graciously gave me the day that I needed. Thank you very much.

Although they are friendly and offer quick cash up to 2600 dollars. The rep told me they report to all three credit agencies. This was not entirely true. I signed my second installment loan I checked my credit and found they did check my credit however no positive credit was listed on paying back the first loan. I called the customer service line and was told they do not report positive feedback only negative. So taking out two loans although it gave me quick cash did not help my credit at all and in fact hurt it from the credit inquiries they performed. This on top of the astronomical interest rates (over 100%) is why I will not do business with them ever again. If you go the full term of the loan you pay almost 10,000 dollars for that quick 2600 dollar loan. There's better options out there like loan sharks. Their way of doing business should be illegal.

Truth is this service rips your income. 750.00 pay back on a 150.00 installment yea right. Then got balls to keep raising payment. Rates are not low. They charge what real banks do. They charge a daily interest in turn I know for a fact is a lie saying legally can do it. This service may have been good in 95. But audit the sobs and find out. They suck for loans. You'll owe a year worth of debit. They are not legally by law allowed to collect. I want them shut down so do a lot in kc.

I applied for a loan at speedy cash office and it was a payday loan in which I paid off on my payday. But then I needed more money for an emergency so I went online to apply for an installment loan. I was approved for 249 and was told that my payment would be 54.38 for 6 months and the total would be to repay 589 and some change. They took the first payment plus 12 50 late fee on the 1st of the month and my payment isn't due until the 3rd of the month. They did not tell me that this amount is taken out but my balance will still remain the might as well say 590!

Worst, most incompetent, misleading and dishonest service I have ever come across. Do not believe a word they say as they cannot be trusted. Stay away from them and do not give them your business as you will just get the runaround and after all the hassle you will not accomplish anything. Be forewarned.

I needed a payday loan about two years ago. Once I was referred to Speedy Cash, the establishment of an account & then getting the funds was so very simple. You are able to choose between having the funds either by waiting overnight or going to one of their offices & getting the funds the same day. Their customer service staff is very friendly & professional. Since that first loan I've had to use them about 5 times since, one time I needed a couple of days before I could repay my loan & they were gladly willing to extend my repayment. Conversely, I highly recommend that if you require a payday loan, THIS COMPANY is not a scam, of which there are many out there. This company is straight up.

I got a title loan the day before Christmas Eve 2015. For 2600.00 I have been paying them 200.00 since. I still owe up to yesterday July 15 2016 2607.00. GO FIGURE. THEY TOOK out of my disability which I only received 430.00, 397.00. Left me with the change so I called them and their representative got very rude And was intimidating at times. I told them they were worse than the mob. I said a curse word also and hung up. Don't do business with this company.

I was unable to make repayment through the original account at the time so I may arrangements to use a different account. At the time I advised the rep that the account they had to draw the repayment would not have the funds in there that's why I needed to use a different account. I gave the rep the new information and was assured it would come out and it did. But to make sure they didn't try to take it from the other account I put a stop payment on it. Speedy Cash not only tried to take the money from the wrong account but kept putting the charges through under different amounts but they also used different descriptions to fool the banking system to accept the payment.

I took out a loan for $500.00. Never had any problems, never been late. So I get down to my last payment and it gets taken out of my account which was fine but then they tell me I have a balance left on the account totaling 17.00 dollars. Ok so I go to pay this balance out of another account. They had already taken it + 12.50 more totaling $29.50 making a shortage in account granted they was only authorize to take out one payment not two but their excuse was it was late charging me an extra 12.50. Problem you were suppose to hit the account only once not two. This is a piss poor company. They won't get me anymore and if I can help it I will do my best to let everyone know about their fraudulent **!

I received an email stating that I owed 6300 dollars and that they sent me correspondence which I never received. Now the email is threatening to take me to court and confiscate my wages. Stay clear. I never borrowed any money from them.

I was online looking for payday loan info and was contacted via text by Mr. Jimmy ** (seriously?!) the senior funding manager (I doubt it). I responded to the text asking if I had been approved for a loan and he responded "I'm busy". I was a bit shocked, and responded "Huh? Ok. Please do not text or call me again." He said he would call me in 15 min. I said "please do not" and he wouldn't give up from there. I only kept replying, politely that I didn't want to do business with his company and that he was very unprofessional. This escalated to him swearing at me. This company does not deserve the exorbitant fees that they are charging. I was even considering calling the police if he did not stop texting me. DO NOT USE THIS COMPANY.

Well I have to say that I am glad Speedy Cash hires strippers to get them off the pole. With that said Sparkle the name of the customer service rep I had to deal with was very rude. I could not finish a sentence without her cutting me off and telling me how dumb I was. I tried to explain I had a payment arrangement due to being out of state and not able to place the money in that account and they went ahead and charged the bank account anyways. She continued to tell that Speedy Cash takes money out of your bank account at whatever time of day they choose. So even if your payment arrangement is for Friday they can take the money out on Thursday. You cannot speak to a supervisor directly you have to wait for one to call you. Be wary people. They will loan to anybody just so they can price gouge.

Took out a $400.00 loan and was scheduled to pay back $655.00 which is outrageous in itself but they know people only go to them when they're in a tight spot and not many options!! Paid off my loan in 6 months and was done with the legal thievery, or so I thought... 22 months, yes MONTHS, later I was contacted by a lawyer representing Speedy Cash stating I failed to make the last payment of $118 and some change!! So with 22 months of late fees and interest the total amount "owed" was now $389 and some change!! After almost two years of no contact, no attempt to collect, no courtesy call about "still owing for the last month" I, like most people had shredded all my paperwork and proof of payment!!

I had 400.00 loan that turned into a 1,400.00 loan. They are a ripoff. Run fast away from them. They have their own people to write reviews!!!

My Payday loan was changed to Installment loan. I had applied for a Payday Loan, and then when I was ready to pay my $62 payment, Speedy Cash says: "your payment is: $135" then the balance still is: $345. What? I said. I called customer service and to no avail. They could do nothing. This is a Highway robbery! To turn a payday loan into something that will acquire Hundreds of dollars in just 15/20 days! Beware! They are crooks and will not refund your money. Recommend not to do business with them. Or be Sorry.

I received an e-mail from someone with an AOL e-mail address saying they are from Speedy Cash and I have not responded to their phone calls. They claim I owe $987.65. I have NEVER gotten a loan from them! They threaten to take me to court and incur $8679.68 in court fees etc if I do not respond and agree to pay this money. This is ridiculous and obviously a scam! They also threatened to contact my employer, garnish my wages etc. It was a very harassing e-mail and as I am in collections myself I know this is not the legal practice to collect a debt. No Fair Debt Act was included in the e-mail and that is illegal! Beware of this scam!

First, I understood that this was a high-interest rate micro-loan. I understood that the interest was applied daily. That was not my issue. I had been a very good client never missing a payment and decided that due to extra money that I had, that I would go ahead and pay off the account in full. When I looked at my last email it stated I owed approximately $715.07 so when I went to the site to pay it off it said $850.00! I called & emailed and received 3 different payoff amounts. After talking on the phone for 2 hrs and 38 min I found out they had been, on the day of my payment, charging me an extra day of interest! At 8.42 a day that's over $200.00!! I've asked for a complete history of all money and interest applied but have been told no. I am taking it to the next step and reporting it to our attorney general & the BBB.

I'm on disability for the last 10 yrs. Have not applied for anything except a small loan (repaid) with my bank. Checked free credit karma and shows a $1300.00 unpaid to Speedy Cash and turned over for collection in Dec 2014. No one from speedy cash returns calls or emails. The collection agency states their info shows only the amount but no details. After reading the horror stories on their questionably legal practices I'm not surprised.

I applied for a loan with Speedy Cash and was approved. I then noticed I messed up my bank account info. The lady then cancelled my application and said I had to reapply with the new bank. She then ran it and said my application was now denied even though I was approved the first time. She said I could reapply in 3 months but would get denied again because of my bank account number. This company's business practices are bait and switch and a big waste of time. When I told the worker this she said I am a scumbag and people like me should never get a loan. She said this after I told her I was a ** man needing a loan. She then told me they don't like approving ** (exact words) for loans. I'll never do business with this company if I had a gun to my head.

I get a threatening email from Speedy Cash... But I have been checking my phone and I have not gotten a phone call... I don't work. I only borrowed $167 and they want $800 something. I have no money... I was paying them but they kept taking money out.

I was called I was approved for a small loan. I was told they would deposit 900 in my account which they did. However the check they did bounced. l called them. They told me if I pay the transfer fee for loan they would give that plus the bad check money back. I then had to give them 389 for transfer fee. Ok now they wanted another 500 for taxes on the loan... then another 270 for fee for Western Union. So they wanted more of this by iTune gift cards, Western Union and MoneyGram. Oh the check they gave for 900 did not bounce until they have you draw it out and send it back to Calf by MoneyGram. FRAUD FRAUD FRAUD SCAM SCAM.

Fraud allowed to persist. Do not do business with Speedy Cash. They continue to allow fraudulent activities in my name. I have called them 3 times and they are unable to assist. I have escalated with in the fraud department with no avail. There are more customer friendly companies that care about credit fraud for you to work with.

To warn people about the practices of this company. They call every time they feel that people may have money i.e. tax time and say that they are going to sue you and call your job and get you fired and when you go to court you will have to pay legal fee of 3000.00 dollars but if you send them the 970 you owe then this situation will all go away.

I really love this site and my best feature on the site is your ability to go in and make payments when you want before, during or after your pay due date. I wish all payday loans had something like that.

I had received monthly loans from Speedy Cash for 2 years in amounts of $250. Out of the blue as I log in to my account there was a $1500 loan pending under my account. There had been a breach in the system of Speedy Cash and someone had access to my account. They went in and changed the address and banking info to receive loans. They fraudulently requested a loan and had it deposited into a bank account which was not mine.

I had been making payments regularly since 2014 on a loan and this morning when I woke up my car had been repoed. They said they notified me and they did not. Then corporate said I was not making payments when I was and have proof. So now I'm taking it to the lawyers. I will never recommend to anyone ever.

Several months ago I got a loan for $750. By the time I pay off the loan at $260/month, I will have paid more than $4,000. It may not be criminal, but it is immoral. Shame on you.

I been with Speedy Cash 2015. The deal I had work for me, before I did this other loan... John don't have his last name, but he helped me establish my first loan, but unfortunate he was not at the counter this day. The female that waited on me this day, offered me a loan, and I was letting her know that I was ok what I have, and the rep advised that it's the same loan, and I'll be paying 82.00 a month. But that's not what the letter said that I got this morning. It's stated that I'll be paying 171.00 back and only 11.00 or 12.00 dollars will be going back to the loan... The people at Speedy Cash knows that I'm on a fixed income, it's like in my file that I'm on a fixed income, it's not like a secret... At Speedy Cash know I'm on a fix income. The one time that John wasn't there, I gets ** by another one of your people. I don't appreciate the dishonesty of the rep who sold me this ** loan...

Totally ridiculous that Speedy Cash wanted 7 to 8 dollars to cash a 200 dollar check... Where do they get this amount from? Seems like they are adding some money to it, so somebody can pocket some money... Somebody needs to check Speedy Cash... And see just how much money they steal...

Unfortunately, Christmas was quite hard on me and I got behind on money! This is the first time I ever had to take a loan from a company like this! I want to show you how Speedy Cash are LOAN SHARKS. This is a sample payment from the measly few hundred dollars that I borrowed... Next Minimum Payment Due: $53.39. Due Date 2/15/2016. Principal: $7.79, Interest: $45.60, Total: $53.39. Out of $53.39 Payment, only a measly $7.79 goes toward the Principal. They are literally charging the most allowed by State Law in Interest!

They make it sound very easy and convenient for you when you ask for the loan, but they rip you off with interests and hidden fees. I asked for a $1,400.00 loan and my ''interest'' was $308.00 a month... They make you believe is one time fee. I can't believe they let operate a business like this, legally. Please be aware if you ask for a loan, the super high monthly interest and fees. I would never recommend "Speedy Cash" to anyone.

I applied for a loan!!! Speedy Cash contacted me to say I was approved, so I went online like she said. All was good but, said I had to call for some reason. Anyways I was approved for payday loan. In the process I ask how it affects my credit! She said they do check but it would be what she called it a soft inquiry. She explained what it meant, and I agreed, cuz I didn't want no more inquiries, due to a number of inaccurate inquiries pending... After our phone call I went to check my credit info, and lo and behold there it was!!!

My experience was a very pleasant one.

Speedy Cash has excellent service, everyone I have ever spoken to are extremely helpful. I have no complaints thus far.

I unfortunately have needed some additional funding and Speedy Cash has been great with the process. I did wish there was a closer store. I recommend anyone needing a little help to use Speedy Cash.

I think this business help us a lot. I am a hard worker but sometimes our money is not enough. It is always a pleasure to do business with you, thank you very much. I wish the paying due date could be extended.

Online application is straightforward and easy to use. When I did talk to customer service they were professional and helpful. They were very pleasant to work with making the unfortunate task of needing a cash advance better than I expected.

Speedy Cash is not a good loan company! They allowed my ex-husband to steal my identity! None of the information about my work history or phone numbers were correct. The bank account used was a pre-paid account. Speedy Cash does not fact check before they loan out money which puts everyone at risk! Anyone seeking to take out a loan can use some random person's name and as long as there is a bank account where they can deposit money, they allow it. When you ask to speak with someone higher up, they tell you there is no one. And they keep transferring you to different departments until someone finally hangs up on you. I have been fighting with them for a year now. I finally found out who stole my identity but guess what, they don't ever go after people who make fraudulent accounts!!! Don't use Speedy Cash!!!

Yesterday I answered a phone call from an 800-number, been ignoring this number because I have no reason to answer. Didn't feel like listening to a sales pitch. But yesterday I answered and apparently I have three loans with speedy cash and payment is due. They have my phone number, my address, my social security number and more, but after three loans I'm just now hearing that I have made no payments? So I asked, "Where did you send the money? Why is this the first time I am hearing about it and what are you going to do to help me figure this out because I didn't take these loans out!!!" His answer, "You need to file a police report. We cannot give you any of this information and typically these reports don't go through and never get settled??" So I should just pay it to clear my name!!! I don't think so!!!

The gentleman that waited on me was named Aaron and he sure was a gem, I have never had a problem with any of the agents that work there. They all know their jobs very well and with respect too...

You have a good company. Sometimes the line is quite long. The telephone has interrupted clerks at the counter. I appreciate free money orders. The hours and days of operation at your store are good. Maybe a radio in the lobby would be nice. Also, short extensions on payback have helped. Thanks for being in business.

I called in after I made my payment. Spoke with the agent to verify next payment amount. When I got my email for the amount due it was different. I called and got the same agent and asked about it. She put me on hold and never came back to the phone.

This will be my last loan cause I found a company that has less interest rates.

Good site for loan.

Speedy Cash is by far the best leading service. It's very easy and there are different options to gain access to your funds.

Great service, fast response and approvals. My experiences with Speedy Cash have always been great!

I have been a victim of identity theft, several doctors in the hospital had their personal information stolen from the hospital and loans were taken out in our names at Speedy Cash. I have tried sending in police reports, writing letters, talking no less than 15 times to the fraud department and I cannot resolve this situation. I receive harassing phone calls and letters.

I'm very happy for the services that I always got when I called or talked to the representative. They are very helpful to me. I highly recommend Speedy Cash to people who need an immediate money. Also when it's time to pay my loan they always send an email.

I would like to have the option to increase the amount loaned to me. Other than that I don't have any problems or complaints. I love that I don't have to go anywhere and everything can be done on my phone hassle free. Additionally, I can pay my loan back without worry because it's automatically deducted from my bank account.

Easy to use. Thank you.

Always smiles, greeting while walking in. No long lines, and always asking "is there anything else I can do for you today?"

I love coming to Speedy Cash because they help with anything I need and they are so convenient. I haven't learned their names but they all are great & knowledgeable.

I love Speedy Cash. I've never had a problem with them and their service is fast and easy. No hassle, pain free. What more can anyone ask for when it comes to quick loans? Thank you Speedy Cash for making getting cash easy when people are in need!

Would recommend to anyone looking for advances!!

Pretty good services. But a little bigger amount loan is very tough.

I've used Speedy Cash regularly for the last 4 - 6 months. It's been very convenient and so I continued to use them. On this last occasion they processed my payment but never finalized the amount, it sat pending in my account for over 7 days and then they returned my money. This had not happened in the past and so I had assumed they had charged me twice and were refunding me. That same night they then charged me again with an immediate processing of the payment. I will be contacting them to review the entire account to make sure they haven't taken liberties with my banking information.

I love Speedy Cash! Very personable, efficient and the best customer service in the world! Keep it up! Kudos to the staff for a job well done! Thank you for being so kind and courteous!!!

Service with your company has been super easy and a VERY big help in getting us through an unusual rough time! It's been a quick and painless, and may I add timely service. Thank you so much!

I am always impressed on how friendly the customer service representative are when I call and how simple it is to apply for a loan.

I've been very pleased with your company.

Experience could not be easier. Very friendly, polite and helpful representative. Money in account just as promised.

Always on time and easy to apply online!

I have had great things with this company thx.

I have no problems.

I have had a loan with your company for sometime now and I always receive my loan quickly and I'm very thankful for all the help you have given me and would recommend you to all my family and friends.

I have enjoyed working with Speedy Cash. The site is easy to use.

Speedy cash is always been fair and prompt with my loans. If I have ever had a problem with the payment date or anything else they have quickly responded and accommodated me. Speedy cash is by far my favorite lender. The staff is always professional and courteous.

I can only say that Speedy Cash has always been there for me. Thank you!

I am well pleased with Speedy Cash's performance. They get cash out to me within a 24 hour time span, which is much faster than their competitors. I would highly recommend Speedy Cash to anyone who needs a loan. If someone finds themself in a financial bind, Speedy Cash is the solution to your problem! Thank you.

Website is very easy to use and takes no time at all. Also the store locations are fast and friendly.

I'm happy that I qualify for loans with Speedy Cash. However, the finance charges are the most expensive I've ever seen. I have a $1,000 loan & my payments are in the 600's for six months! This will hopefully be the last loan I get from Speedy Cash. Not even a discount for us loyal customers!

Speedy Cash is fast and fair. They help you if you need time to pay back your loan and they have really helped me when needed. Thank you Speedy Cash.

It is so easy to apply and get approved. The process is so fast. I am extremely satisfied with their services.

Having to have a current customer verify their bank deposits is redundant. If the original loan process had verified income, why do it again for another loan. Also a current pay stub that had year to date income information is accepted at other places.

I am very pleased with my experience at Speedy Cash. They are very prompt and attentive. Everyone has a very friendly and helpful attitude.

Very thankful for y'all.

I have had nothing but a wonderful experience there at Speedy Cash. They are quick and able to help in anything they can. The employees there ALL have been super nice every time I have been there. If you need a quick fix to a money tight situation this is the place.

Very happy with my experience.

I have been doing my payday loans with the El Cajon Speedy Cash location in San Diego For the past four months and the service is stellar. The store manager and his associates, especially Matt are extremely welcoming and polite. I will continue to be a loyal customer.