Is Speedy Cash Legit? (Find Out)

Inflammation has made it difficult for everyone to fulfill their desires. Therefore, everybody tends to get some loan to manage their fundamental needs.

Getting a loan is not difficult as the market is overwhelmed with the companies that provide loans.

However, it is so difficult to decide which companies are legit. Speedy Cash is one of the most hyped companies today, but many doubt its legitimacy.

Speedy Cash is hundred percent legitimate. The company provides a variety of loan services to choose as per your needs. The company offers safe and secure loans on an urgent basis. Unlike other companies, you don’t even go through a long procedure to get approved for their services.

You can dive into this article to understand more about Speedy Cash’s services: methods to apply, ways to approach them, and their basic requirements. Eventually, you will understand all about its legitimacy.

So, here you go!  

Key Takeaways

  • Speedy Cash is present in almost 25 states and over 200 locations
  • You can get loans from $50 – $26,000
  • Different types of loans are available there, such as Installment Loans, Title Loan, Payday Loans
  • Features both physical location and online presence: Speedy Cash App and website
  • Easy application process
  • Safe and secure services

Why Speedy Cash Is Legit: Top Reasons

Speedy Cash is a legitimate loan provider company for various reasons; let’s explore them in detail.

Physical And Online Presence

You can confidently choose Speedy Cash to acquire loans suitable for you, as this short-term loan company operates in 200 locations and 25 states.

Its best thing is its online payday loans which borrowers use to fulfill their short-term cash needs and repay the company on the next payday with interest. On their website, you can select the state and check the loan amount and type of loans they offer.

Countless Methods To Contact Speedy Cash

There are no hard and fast rules to getting Speedy Cash loans; you can easily apply using various methods. For borrowers who prefer face-to-face interaction, the company offers in-store services.

If you want to take advantage of their services, visit them at the store or go to the website, create an account, and wait for a reservation.

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You can also call them by dialing the customer service phone number:

  • 1-888-333-1360
  • 1-855-734-0111

Or send an email at

Various Types Of Loans

The great news about Speedy Cash is their variety of loans, so you can pick the one that best suits your financial needs.

Payday Loans

Payday advance loans are preferred options for many customers. It is a short-term loan that the borrower needs to repay the next time they receive the paycheck. It is best to cover sudden expenses but remember you have to pay a little flat fee too when paying them back.

Installment Loans

Another great loan option on Speedy Cash is their installment loans. The company offers this loan for up to $3,000. If borrowers choose installment loans, they must repay the money in installments instead of paying the full amount on the next payday.

Speedy Cash can check the following to make sure whether you qualify for this loan or not:

  • Credit Score
  • Credit History
  • Proof of income
  • Debt to income ratio

Title Loans

In title loans, borrowers can use the vehicle title as collateral. The amount of the loan is based on the vehicle’s value. The lender’s name will be based on the title until they pay the full amount.

Requirement For Title Loans

  • Valid ID
  • Proof of address
  • Vehicle insurance Proof
  • Clear title or proof of 1st lien
  • Vehicle in good condition

Personal Lines Of Credit

It is the same as a credit card, where the loan is approved to receive the maximum loan amount and withdraw the money they need until the maximum limit is reached. For example, if you are approved to borrow $750, it is the exact amount that you can withdraw.

Key Takeaway:

Speedy Cash does not hide anything from the borrowers; they mention the APR (Annual Percentage Rate), loan types, terms, and policies on the website. Normally Speedy Cash provides loans from $50-$26,000. To avoid any inconvenience,  it is advised to read the policies and choose the loan that can fulfill your financial need. 

Positive Reviews On Many Platforms

Speedy Cash has received many 4 and 5-star ratings on prestigious platforms such as Trustpilot. You can check the reviews on the Speedy Cash official Website too.

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Quick Application Process

In most cases, Speedy Cash presents their online applicants with a lending decision within minutes. To secure the loan-acquiring process, the company asked for documents from applicants, such as valid identity cards. You can give the documents as screenshots or send them through email.

The in-store application process is also very fast; the process takes hardly ten minutes from application to transferring cash. Moreover, the cash may transfer on the same day if the applicant gets approval.

Security Center

Many scammers always try to earn money through fraudulent activities. To save customers time and money Speedy Cash has a well-established Security Center. They safeguard their valuable borrowers’ accounts through encryption, SSL validation, and activity alerts. They got 20 industry certifications and ran a secure site.

Speedy Cash never asks for your account details through random calls, such as username, account number, or Social Security number. They never ask you to load money in the prepaid card nor demand users to prepay the amount for granting loans.

What Are The Requirements For The Speedy Cash Loans?

Speedy Cash has been in business for the last 26 years, and applying for its number of loans is safe and secure. To get the loans, you need to be:

  • More than 18 years of age
  • Must have a Valid photo ID
  • Source of income
  • Email ID
  • A bank Account
  • A resident of the USA

Ways To Apply

There are multiple ways to apply for Speedy Cash Loans.

WebsiteAppIn-Person
Speedy Cash allows you to apply online by visiting the website.   Start by entering the E-mail ID and PasswordCheck the reservation number in the Email and get started        For user convenience, Speedy Cash App is there to offer tons of benefits.   You can  Find the nearest Speedy Cash store on this app. Receive Push Notifications for important reminders. Request for a loan refinance.Check current loan information. Make fast and secure payments.They have stores in almost 25 states where users can apply for a payday loan. You can find the store in 200 locations.    

States And Loans Speedy Cash Offers

  1. Alabama – Title Loans, Payday Loans, and Installment Loans
  2. Alaska – Payday Loans
  3. Arizona – Title Loans and Express Title Loans
  4. California- Payday Loans
  5. Colorado – Installment Loans
  6. Delaware – Line of Credit Loans
  7. Idaho – Line of Credit Loans
  8. Indiana – Payday Loans
  9. Kansas – Line of Credit Loans, Payday Loans, and Title Loans
  10. Louisiana – Title Loans, Payday Loans
  11. Mississippi – Title Loans, Payday Loans, and Installment Loans
  12. Missouri – Title Loans, Line of Credit Loans, and Installment Loans
  13. Nevada – Title Loans, Payday Loans, and Installment Loans
  14. North Dakota- Payday Loans
  15. Ohio – Installment Loans
  16. Oklahoma – Installment Loans
  17. Oregon – Title Loans and Payday Loans
  18. Rhode Island – Line of Credit Loans
  19. South Carolina – Installment Loans
  20. Tennessee – Title Loans, Line of Credit Loans, and Payday Loans
  21. Texas – Title Loans, Payday Loans, and Installment Loans
  22. Utah – Line of Credit Loans
  23. Washington – Payday Loans
  24. Wisconsin – Installment Loans
  25. Wyoming- Payday Loans
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Why Some Borrowers Are Not Satisfied With Them?

Undoubtedly, Speedy Cash offers remarkable services for everyone. Yet, there are a few customers who have a few issues with the company. Some of those issues are;

Not Available In All States

This legitimate company provides its services in more than 26 states of the USA, but keep in mind that loan services are unavailable for all states. Before applying for a loan from Speedy Cash, check their availability in your state. Instant funding is only for some debit cards and is also not workable in states such as Ohio, Oklahoma, Oregon, or South Carolina.

Additional Fees To Pay

Sometimes, customers must pay additional fees to Speedy Cash as the loan terms vary from state to state and loan type. For example, fees are based on daily interest on the Speedy Cash line of credit. Reading the loan terms before signing the loan documents would be better.

High-Interest Rates

Speedy Cash charges a high APR (Annual Percentage Rate) on payday and other loans. The interest rate can also vary on installment loans, lines of credit, and title loans. They mentioned state terms and rates on their website to keep customers away from inconvenience. Financing fees and annual interest rates are also mentioned in detail, so before selecting the loan option, it is recommended to read every detail carefully.

Our Summary

Speedy Cash is one of the top-notch companies that provide loans to people in need. The entire procedure of applying and selection is so transparent. Moreover, there are no big requirements to get selected for a loan. Everything is so smooth, seamless, and fast.

 Despite having multiple stores, Speedy Cash has amazing customer services to serve its customers. Though the company has a bit high-interest rate, it is all legit and reliable. You can read the entire discussion to understand Speedy Cash’s services and loan procedures.