Speedy Cash

Speedy Cash Reviews

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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) and provides payday loans, installment loans, title loans and lines of credit online, over the phone and in stores. For the past 25 years, Speedy Cash has strived to provide a clean, safe place where people who need cash can access it conveniently.

Pros & Cons

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

Featured Reviews

Verified
Yukon, OK

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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Verified
Riverside, CA

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 150 locations in 29 states. It offers four different types of loans for people who need cash, including 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.

Speedy Cash loans are easy to apply for, and the company has in-store services for customers who prefer working with a lender in person. If you’re interested in Speedy Cash’s services, start by visiting its website and creating an account or calling its customer service phone number.

Speedy Cash loan requirements

Requirements for payday, installment and title loans are different in every state, but the basic requirements for a Speedy Cash loan include:

  • A steady source of income
  • A bank account
  • A valid phone number
  • An email address

Loan availability and amounts depend on what state you live in, so make sure to check your state regulations before applying.

Speedy Cash interest rates

Speedy Cash’s annual percentage rates vary depending on:

  • The type of loan you’re applying for
  • The loan term length
  • The state you live in

For a person trying to get a $200 payday loan in California, the APR is around 460% for a 14-day loan term. That means they end up paying $35.30 in finance charges if they pay off the loan on time.

Speedy Cash FAQ

Does Speedy Cash affect your credit?

Defaulting on a loan from Speedy Cash might affect 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 and applying. Speedy Cash gets you the funds you need as soon as possible, often within 24 hours of your approval.

What do I need to get a loan from Speedy Cash?

You need the following to apply for a payday loan with Speedy Cash:

  • A steady income
  • A bank account
  • A phone number
  • An email address
Does Speedy Cash do installment loans?

Yes, Speedy Cash offers installment loans up to $5,000. With installment loans, borrowers pay back the balance over an extended period instead of paying it in full on their next payday. The application process is the same for installment loans.

Is Speedy Cash legit?

Speedy Cash offers customers quick funds up to $26,000 both online and in stores. The company offers several types of loans, so borrowers can choose the option that makes the most sense for their needs and financial situation. While its interest rates are high, Speedy Cash is a legit option for people who need cash fast and can pay it back within the allotted time.

Speedy Cash Reviews

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Page 1 Reviews 0 - 10
Customer ServiceStaff

Reviewed March 18, 2024

I was really happy with the customer service, very explanatory, courteous and efficient. Her name was Valerie and she is located at the Speedy Cash on Zarzamora and Military. Her customer service skills are excellent. Thank you.

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Verified purchase

Reviewed Feb. 13, 2024

I just want my money back as fast as they received it. 181. Through Cash app. Want it back now. Then they wanted 200 more dollars for insurance. I'm broke that is why I needed the loan. They didn't get it and I haven't received my money yet. That was borrowed.

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    PriceStaff

    Reviewed Jan. 11, 2024

    I took out a loan for 700, now I’m paying back over 2000. These people are cons and crooks ripping off people. This makes no sense to charge people this much back on a 700 dollar loan. Almost 400 a month. I’m getting me an attorney. I believe that they are taking an advantage of people. If you need a loan this is not the place to do business. Go to Net Pay Advance. True statement. I stand on it. After this I’ll be closing my account with these money grabbers.

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    Customer ServicePriceOnline & AppStaff

    Reviewed Jan. 5, 2024

    Are you Speedy Cash card holder? Green.com to shop online for Christmas. It’s been a disaster. Someone stole my car and used $500 on it. Green.com stopped every transaction that he ran on credit so the money wasn’t ready taken out my account. I had to follow what’s called a dispute online and a dispute takes up to 14 days on their website. That’s a lie. They told me it could take up to 90 working days, which is really four months, customer service is horrendous. They hang the phone up in your face at any time. They’re very rude. They try to over talk you and one by the name of Jose told me to shut up while he was talking because I asked him why was I told that I would receive my money on January 2 and he didn’t happen. I was told by Cesar who worked there and one other agent who worked there that I would get my money on January 2 because everything was straight. All the paperwork was in order and there’s nothing to dispute.

    I called today to find out why I still haven’t got the money and Jose tells me that my account has been suspended because they going to use the full 90 working days to investigate the claim, there’s nothing to investigate. Stopped every transaction. They know who stole it. I sent you your proper documents. I sent them a picture of the person who stole the card that the store released to me. I think the purpose of them keeping your money for four months is to gain interest off of it before they give it back to you. That’s what this whole game is about, this company is a scam. Do not use them. If you don’t believe me, call the customer service and see how you get treated, they will lie to you. Tell you something is gonna happen.

    They overnighted me a card, charge me $30 without my permission and then mail me another one in the same week They took $30 out of my account without my permission and I had to file a dispute for my $30 they took. It can take 90 days, really four months and it was their agent who took the money off of my account, expedited me a card overnight that I didn’t ask for. It didn’t come overnight. It came a day before the card that he said be in the mail. They will tell you anything to get off the phone with you. If they can’t answer question they’re gonna accidentally hang the phone up, I just got accidentally hung up on five minutes ago.

    I’m write this letter that I’m writing right now because I asked why was my so-called dispute extended for the 90days. This is a scam. This is the most horrendous company I’ve ever seen in my life. I beg anybody please do not use this company. Look at their reviews. They are true. I swear on my mother's grave, they are true. Everything in there is true. They are rude to hang the phone up in your face, Jose and the dispute department today told me to shut up while he was talking and I supposed to be a customer. I speedy cash for this speedy cash. You got to know that this is stuff is going on. You’ve heard it from several people. I know you have. I know you hear daily but you’re still not doing nothing about it. I blame you and I would never do business with you again because of that cardholder service. Anybody I know that’s associated with speedy cash I’m gonna spread the word as long as you’re using the green.com.

    I don’t have nothing good to say about y’all and I’m gonna make sure that y’all hear from me all the time because I’m gonna make comments everywhere. I believe comments in any type of social media that I can believe it, comments to my green.com because they’re scam and is sick that y’all gotta call out the country and the people don’t know how to behave like civilized human beings. Bad attitudes. When you call bad attitudes, and all they do is la la la to keep your money and take your money but they don’t wanna give you no money back.com. You can go to hell believe but it’s been his bureau. Consumer fraud have not shut y’all down. This is unbelievable what y’all are doing to me and I know y’all did it to me other people you taking my money. The money never left my account. You making me wait four months for my money and I worked my ** off for. I hate you greendot.com. You're a scam and speedy cash know it.

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    Customer ServiceStaff

    Reviewed Dec. 29, 2023

    I took a loan for my 96 years Mom for emergency, for $1005, in the month of June so, the first payment was on July. I was paying 281.40 for 5 months. My understanding that, I will be paying 281.40 till it's paid off. But it was not the case. So I wrote the summary of my loan which is for 5 months payments but at the last due date payment was suppose to be in December in the amount of $1,286.40. SO since I wrote it down, I didn't have to keep on checking on their website till the last due date. I realized that the amount listed in the due date was different from what I wrote down. So I called them and asked them, They put me on hold for the longest time till someone finally talked to me and told me that, that's what I was signing for, therefore that I will be paying for the amount of $1335.11.

    I explained it to the person that, the very moment I took the loan out of desperation I wrote what I was expected to pay. The person who I talked to insisted that That was what I was signing for and there's nothing that he can do. I would never recommend this company to anybody, they are taking advantage of people who are desperate in need of emergency. I pray that this company will get what they deserves one day, and that they will get the worst karma. I despise this company. For $1005 loan you are paying 281.40 X5=1,407. and Add the last payment of $1,335.11 = I was paying the total amount of $2,742.11 for the loan of $1005. I was disgusted with this company And I am cursing them, Hopefully they will get the worst karma forever!! Never ever again!!

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    Price

    Reviewed Dec. 14, 2023

    Speedy Cash takes the fees and interest and don't put anything towards the principal. My payment were 77.53 biweekly and they are taking more than the minimum amount without authorization even if you withdraw ach authorization. Do not use this company. They are rip offs.

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    Customer ServicePriceStaff

    Reviewed Oct. 26, 2023

    My daughter, who has a traumatic brain injury, took out a $200 loan from Speedy Cash one month ago. After only 4 weeks she now owes them $310. Yesterday, I tried to pay off this loan using multiple methods but have thus far been unable to pay it. I first tried to pay it on their website using my bank card. It wouldn't go through because my bank put a "fraud alert" on it. I spoke to my bank and they lifted the alert. Tried to pay it several more times online and it still wouldn't work. Tried using my Visa card. No luck. Mastercard. Nope. American Express. Same. I finally called Speedy Cash customer service and tried to pay over the phone. They would not accept any of my payment methods. I asked if they would accept a prepaid card and they said they "might" if it has the Visa logo! This loan increases by $10 every 2 days so I want to get rid of it asap so I go buy the Visa prepaid. I go to the website and enter the info and, again, they won't accept it!!!

    By this time I have spent several hours trying to pay these people and it is now 5:45pm. I will call them one more time tomorrow morning and if they don't accept this prepaid card, they can forget it. My daughter's credit is shot anyway so what's one more ding. If they put a bad mark on her credit report, I will write an explanation to go with it. I think we have done everything possible to pay this loan. I've used 2 bank accounts, 5 credit cards and 1 prepaid card. Speedy Cash has no office anywhere near us (over 500 miles away) so we can't pay cash. What else can we do? I really think they aren't accepting a pay off because they want to keep charging us their ridiculous amount of interest, and the longer they keep us on the line, the more we owe. I hope these people will some day be put out of business. They are obviously crooks and preying on desperate people.

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    Staff

    Reviewed Sept. 20, 2023

    Please exhaust ALL of your options before even thinking about taking out a loan from them. They do not provide borrowers with adequate information before signing the contract because if they did, they would be out of business. If I had known my initial loan of $2,190 would end up costing me $4,600, I would have never in my life taken this loan out, no matter how desperate I was. I have been paying $370 worth of CAB fees monthly that... Get this, does not even go toward my balance. CAB fees only "keep the loan open." They are disgustingly predatory and prey on desperate people who feel they have no other options. Please do your research; Speedy Cash has also had several lawsuits due to its relentless APRs and predatory nature.

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    Indi increased rating by 2 stars.
    After a positive interaction with Speedy Cash, Indi increased their star rating on Aug. 10, 2023.

    Updated review: Aug. 10, 2023

    As soon as I posted my previous review, I received an email from Speedy Cash resolving the issue I had and they invited me to reapply for the loan I never received.

    Original Review: Aug. 9, 2023

    I was approved for a loan online and never received the funds. It has been a week now back and forth on hold 10,000 different times every day trying to resolve this or cancel the loan I never received! But as of today Speedy Cash says I owe $300 when my loan comes due on money I NEVER RECEIVED! They keep telling me they are “looking into it”.

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    Reviewed July 21, 2023

    Please be aware that Speedy Cash will pre approve you for a loan initially. Then they will request verification of everything except the color of underwear you’re wearing and when you've provided them w/ your birthright, they will tell they still need more info…. True scam artists….

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    Speedy Cash Company Information

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