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Speedy Cash Payday Loans
This product is mostly not recommended by SuperMoney users with a score of -39, equating to 2.2 on a 5 point rating scale.
Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.
Mostly not recommended
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Highlights Community Rating Mostly not recommended Loan Amount $100 - $1,500 Loan Fee $5.36 - $420 Minimum Monthly Income N/A Number of Reviews 62Speedy Cash Payday Loans Review
Speedy Cash Payday Loans is offered by Speedy Cash, a direct lender founded in 1997 and based in Wichita, KS. Speedy Cash Payday Loans is available in 15 states across the USA.
Speedy Cash Payday Loans FAQ
What are the Speedy Cash Payday Loans rates & fees?
Speedy Cash Payday Loans offers payday loans with loan fees ranging from $5.36 to $420. These loans are meant as a short-term source of credit but if you calculate the annualized percentage rate of those fees you get rates ranging from 176.61% to 729.82%.
How much can you borrow from Speedy Cash Payday Loans?
Loan amounts start at $100 and go up to $1,500.
What do you need to qualify for Speedy Cash Payday Loans?
Speedy Cash Payday Loans does not have or does not disclose a minimum annual income eligibility requirement. Speedy Cash Payday Loans will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.
The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Speedy Cash Payday Loans. Their rates fall within the limits of The Military Lending Act.
U.S. citizens are, of course, eligible for the services offered by Speedy Cash Payday Loans. Permanent resident / green card holders are also eligible to apply.
To qualify, applicants may need to provide the following documentation:
Driver's licenseProof of identityIs Speedy Cash a legit company?
Speedy Cash was founded in 1997, it is a well-established company that has been in business for 25 years. Speedy Cash Payday Loans are mostly not recommended by SuperMoney community users.
Does Speedy Cash Payday Loans run credit checks?
No, Speedy Cash Payday Loans will not run your credit with the three national credit reporting agencies (Equifax, Experian, and TransUnion). However, they may look at other databases to check your payment history.
What is the estimated funding time for a payday loan via Speedy Cash Payday Loans?
Speedy Cash Payday Loans will typically provide a credit approval decision in less than an hour and fund the loan within 3 business days.
Is Speedy Cash a legit company?
Speedy Cash was founded in 1997, it is a well-established company that has been in business for 25 years. Speedy Cash Payday Loans are mostly not recommended by SuperMoney community users.
For more information on payday loans, tribal loans, and their alternatives, read this guide.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message From Speedy Cash
Speedy Cash was founded by Chad Faulkner, Doug Rippel and Mike McKnight. The three childhood friends from Wichita, KS created the company to meet the growing consumer need for convenient, easily-accessible financial and loan services in a safe, clean and professional environment. They opened the first store in Riverside, CA in 1997.
At Speedy Cash, we believe that everyone should have access to credit regardless of credit score. Money is hard. Credit is even harder. That's where we come in. We provide access to credit for those who don't have a perfect credit score and we provide it in a timely manner (hence the name).Even during times of uncertainty, you are our top priority. Since 1997 our products and services have evolved to meet the needs of more than 5 million people online, in our stores, and over the phone. We will (always) continue to make changes to better serve you.
Message From Our Editor
What we love about Speedy Cash Loans personal loan
If you don't have many loan options and are desperate for cash now, then Speedy Cash may be able to help. The eligibility requirements are flexible, the application process is easy, and you can get cash fast.
What could Speedy Cash Loans do better?
The rates and costs are extremely high. For instance, on its website, the company provides examples of its finance charges by state. It's important to be cautious when signing up for these products. You can end up owing two to three times what you borrow on the longer-term loans, and many have difficulty repaying the short-term loans without reborrowing.
Speedy Cash Loans backstory
Speedy Cash is a direct lender that offers several types of financial services to its customers. It has over 20 years in business, starting as a single store in California and now licensed to serve customers in over 28 states. While payday loans are the company's main offering, it has a full lineup of additional products.
Speedy Cash is a brand of Curo Financial Technologies. Curo was founded in Riverside, California, in 1997. It now operates a selection of subprime financial services, such as Rapid Cash, Cash Money, Avío Credit, Opt+, and Revolve Finance.
The Verdict
While Speedy Cash does make loans more accessible and offers a streamlined loan process, you should explore other options before committing. Rates are high, and their customer reviews are less-than-stellar. However, if you have an emergency and bad credit, it could be just the source of fast cash you need.
Preferable routes include asking friends or family for a loan, cutting back on expenses so you can make it to your next payday, and checking to see if you can qualify for better rates and terms with another lender. Even if your credit isn't great, you still may be surprised to find you can qualify with various companies.
Want to compare Speedy Cash to other lenders? Check out what the best personal loans are to ensure that you choose the best option for you. Click here to find out the review for the lenders on Supermoney's website.
Contact
Headquarters3527 N Ridge RdWichita, KS 67205 USA
(888) 333-1360Visit SiteEmail SupportOther Services by Speedy Cash
Car Title Loans
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Availability
AlaskaAlabamaCaliforniaHawaiiLouisianaMissouriMississippiNorth DakotaNevadaOklahomaSouth DakotaTennesseeTexasWashingtonWyomingFeature Breakdown
| Origination Fee ($) | $5 - $75 |
| Loan Fee | $5.36 - $420 |
| Credit Score Range | 300 - 640Speedy Cash Payday Loans Community ReviewsWould you recommend Speedy Cash Payday Loans to your friends? Yes, I recommendMaybeNo, I don’t recommendYesMaybeNoSUPERMONEY NET RECOMMENDATION SCORE This product is mostly not recommended by SuperMoney users with a score of -39, equating to 2.2 on a 5 point rating scale. Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends. Other Payday LoansCopyright 2022 SuperMoney, LLC. All rights reserved. * SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. All products, logos, and company names are trademarks™ or registered® trademarks of their respective holders. Their use does not signify or suggest the endorsement, affiliation, or sponsorship, of or by SuperMoney or them of us. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any financial institution. This editorial content is not provided by any financial institution. SuperMoney.com is an independent, payday loans online advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SuperMoney strives to provide a wide array of offers for our users, but our offers do not represent all financial services companies or products. We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide. † To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Speedy Cash ReviewsHi Adrian- It is unfortunate to see you did not have a great experience at Speedy Cash. There are many factors we take into consideration when a Customer is applying and it is unfortunate we were not able to assist you at this time. We hope we can help you next time if you give us a chance, and will share your feedback to also assist with the quality of service that is being provided. Do not hesitate to reach out in the future with additional feedback, send us an email at CustomerService@SpeedyCash.com or give us a call at 1-800-273-5602. - Chris C. Stop calling people after payoffExperience was pretty well. Clerks were very informative with the loan payoffs upfront. Service was fast and easy. However, I only used this as a last resort and I feel other people should too. I kept getting calls asking if I was interested in using my approved balance after paying back my loan. I had to tell them 3 times to take me off their call list before I stopped receiving calls. Also, a lot of the negative reviews are from people who don't understand what a PAYDAY loan is. Do your research first before applying to loans. Date of experience : March 08, 2022 Reply from Speedy Cash Hi Chris- Thank you for submitting your feedback. Your feedback helps us get better. We hope you were able to resolve your concern, if not, please give us a call at 1-800-273-5602. You can also send us an email to CustomerService@SpeedyCash.com. - Chris C. I love using their serviceI love using their service. They are fast and I got approved right away and my money was in my account in minutes. Date of experience : September 28, 2022 My experience with them is goodMy experience with them is good. They have a B+ with the BBB. The application on line was pretty painless. Didn't have to have a long conversation with anyone. Didn't ask for me to send them multiple things. Gave me options for my loan. Recommend. Date of experience : September 17, 2022 I love Speedy Cash.I love Speedy Cash. Customer service is great and very helpful. Getting a loan is super easy. Very pleased. Date of experience : September 27, 2022 GREAT SERVICELOVE IT, customer service was amazing . Dora From Speedy cash on Main 28th street Fort Worth needs a raise. She is an amazing individual Date of experience : September 22, 2022 The approval took minutes and the loan…The approval took minutes and payday loans online the loan was just what I needed they are very nice and very helpful Date of experience : September 29, 2022 My experience was very pleasant.I…My experience was very pleasant.I filled out my application and payday loans in a matter of minutes I was approved. Then shortly after my money was deposited. Date of experience : September 16, 2022 Problems with internetProblems with internet. Finally had to call to get help from customer service. Other than that fine. Rates are reasonable compared to some charging over 200 % interest. Date of experience : September 06, 2022 Reading the positive reviews I suspect…Reading the positive reviews I suspect they're either fake or haven't started/finished paying it back. I ended up paying $2000 for an $800 loan. After making monthly payments, they deducted the last payment from my banking account for $1200. Don't believe the responses when they ask you to call or email because the service is terrible. If you email, they'll give you no hope or options when it comes to getting any money back (I prefer to communicate over email to maintain a record of what is being said). I emailed to ask why my last payment was more than the cost of the loan, it was a generic answer that offered no help. Most people know the interest rates are high with these types of loans, but the folks here are not up front as they say they are with the repayment process. Should I need emergency cash again, I'll go a different route. If you choose to use this company, proceed with extreme caution. Your final payment may be huge leaving you in worse shape than when you started and you'll end up with less money than you started with. These people are predatory and should be ashamed of themselves knowing that they screw desperate people over. Date of experience : February 06, 2022 Reply from Speedy Cash Hi AB- Thank you for sharing your feedback and providing us a review. Our loan products are intended to give consumers access to credit who may not have other options. In various situations, the cost of credit may be cheaper than other expenses (i.e. overdraft fees, late fees). However you are right, they are high-interest loans and they are not right for everyone. 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. You can contact us via email at CustomerService@SpeedyCash.com or give us a call at 1-800-856-2911.- Chris C. Speedy cash bbb, Speedy cash bbb |