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Is Speedy Cash Legit? Full 2026 Review
Adheres to
Adheres to 
Reviewed by Ricardo LaizoSpeedy Cash exemplifies the high-cost, high-convenience model typical of payday lenders.
While they excel at providing quick access to emergency funds with minimal barriers, their extremely high interest rates can create significant financial burdens for borrowers.
The company operates transparently within legal frameworks but relies on a business model that profits from repeat borrowing cycles.
Best used only for genuine short-term emergencies when all other options have been exhausted.
Instant Funding Options: Eligible borrowers can get money instantly to a debit card, pick up cash in-store the same day, or receive direct deposit (typically next business day).
Multiple Ways to Borrow: Offers payday loans, installment loans, lines of credit, and title loans—online or in-store, depending on your state.
Early Payoff Allowed on Many Installments: Product pages highlight “pay off early and save,” letting you cut interest if you repay ahead of schedule.
Speedy Cash is not a verified partner
We would just like to make you aware that Speedy Cash is not a verified Financer partner. Consider other top options below.
How Speedy Cash compares - Financer Score™
Financer score™ is our own point system which is updated live and based on several criteria that gives you a balanced view of the company quality.
Pricing
20
Speedy Cash offers payday loans, installment loans, and lines of credit with extremely high APRs, typically ranging from 200% to over 700% depending on state regulations. Their fee structure includes substantial origination fees.
Customer Support
60
Response times are generally prompt during business hours, especially for existing customers. However, support for resolving payment difficulties or understanding complex fee structures can be limited.
Terms and Flexibility
40
Loan terms are relatively inflexible with short repayment periods for payday loans and somewhat longer terms for installment products. While terms are legally compliant and disclosed before signing, they often create difficult repayment situations.
Popularity
56
The popularity score indicates the percentage of customers choosing this company the last 90 days.
Customer Experience
Some customers report quick approvals, fast funding, and friendly in-store service, but these positives are often overshadowed by complaints about very high/unclear costs and debt-cycle risk, aggressive collection tactics, issues with ACH/NSF fees.
Speedy Cash - Personal Loan in Speedy Cash – Details
Terms & fees
Loan amount$100 - $5,000
Term7 days - 3 years
Annual interest rate199.99% - 729%
Origination feeVaries by state (typically 0-5% of loan amount)
Monthly fees$0
Requirements
Minimum age18
Minimum income$1,000
National bank requiredYes
National phone number requiredYes
Citizenship requiredYes
Electronic identificationYes
Features
Cosigner possibleNo
Revocation periodYes
Accept bad credit historyYes
Weekend payoutYes
Loan extensionsYes
Early paybackYes
Payment within 24 hoursYes
Loan brokerNo
Interest free loanNo
Additional fields
High approval rateNo
Recommended companyNo
Company information – Information
Company nameSpeedy Cash
Websitehttps://www.speedycash.com
Phone1-888-333-1360
Emailcustomerservice@speedycash.com
Address3527 N Ridge Rd, Wichita, KS 67205
