Written by
Joe Chappius
Company name
Speedy Cash
Website
https://www.speedycash.com
Phone
1-888-333-1360
customerservice@speedycash.com
Address
3527 N Ridge Rd, Wichita, KS 67205
Is Speedy Cash Legit? Full 2025 Review
— Review updated Aug 2025
Speedy 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.
Speedy Cash At glance
Read reviewsPros & Cons
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.
Extended Payment Plan (Some States): In states like Kansas, you may elect a no-cost Extended Payment Plan (EPP) once every 12 months if you request it before your due date.
High Cost vs. Traditional Credit: Typical two-week payday loans run about $15 per $100, which is ~400% APR—far higher than most credit cards or personal loans.
Availability & Limits Vary by State: Products, loan sizes, and terms aren’t uniform nationwide, so eligibility depends on where you live.
Short Terms Can Trigger Repeat Borrowing: Consumer guidance warns payday structures can lead to rollovers or re-borrowing, increasing total cost.
Details
Speedy Cash - Personal Loan
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
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