ONLINE LOANS

Basics for Borrowing Loans Online

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Select your state to see loans and amounts.

What is an Online Loan

A Speedy Cash Online Loan is a way to borrow money from us through a completely online process. Online Loan applications can be completed on your mobile device or desktop.  After your submission, a lending decision is displayed on your screen and you could have funds in your account as quickly as the same day if approved. Make sure you have the following items on hand for quickest verification: 

  • Banking information including routing and checking account numbers 
  • Government issued identification 
  • Proof of income (this can be verified electronically with banking information) 

Benefits of an Online Loan

  • Apply anywhere you have an internet connection 
  • Accept funding electronically 
  • Skip the trip to the store 
  • Verification online means you won’t have to head home if you forget something, simply pause your application and resume when you’ve located the required information

Where can I apply for an Online Loan?

Choosing an Online Loan from Speedy Cash is convenient and can be completed from the comfort of your home or anywhere you have an internet connection. The entire process, from application to funding, takes place online. You can apply from your desktop or mobile device, receive a swift lending decision, and accept funding at home or on the go. When you need fast funding, no matter where you are, Speedy Cash has you covered.

ONLINE OR IN-STORE

Alabama

Online: $50 - $500

Alaska

Online: $50 - $500

California

Online: $50 - $225

Indiana

Online: $50 - $715

Kansas

Online: $100 - $500

Louisiana

Online: $50 - $300

Mississippi

Online: $100 - $400

Nevada

Online: $100- $500

North Dakota

Online: $50- $500

Oregon

Online: $50- $3,000

Texas

Online: $50- $3,000

Washington

Online: $100- $500

Wyoming

Online: $50- $200

What can I use an Online Loan for?

Deciding if you need a personal loan can be difficult, especially with the uncertainty of getting an online loan with bad credit. Online loans can offer quick financial assistance, with clear-cut fees and various repayment options.

 IN GENERAL, CUSTOMERS OF SPEEDY CASH HAVE REPORTED* UTILIZING LOANS FOR:

  • Everyday bills and utilities -50%
  • Emergencies -32%
  • Major home or car repair -12%
  • Medical bills -7%


*Data collected from a survey from January – February 2020

Safe and Ethical Online Lending

We treat our customers right, and we're a proud member of the  Online Lenders Alliance, whose Code of Conduct and Best Practices align with our values! We invite you to visit our OLA blog, where you can gain insight and access further details!

How do Online Loans work?

1

APPLY ONLINE AND PREPARE YOUR DOCS

You can apply for an online loan from the comfort of your home with just a few clicks! No need to fax, print or visit a store (unless you’d prefer it!). 

2

RECEIVE A LENDING DECISION AND SELECT YOUR AMOUNT

You will receive a quick lending decision, typically in a matter of minutes! Once approved for an online loan, you can select an amount from your approval amount, up to the maximum available.

3

REVIEW AND SIGN YOUR DOCS

Take a moment to go over your loan amount, fees, and repayment schedule for your online loan. Once you're satisfied, you can proceed to accept the terms by digitally signing your loan documents.

4

GET YOUR CASH

Speedy Cash will directly deposit funds from your online loan to your bank account! You could also select Instant Funding† to a debit card or pick up cash in store.

5

REPAYMENT

We’re here to support you! That’s why payments are typically due around your pay dates to make repayment as manageable as possible. You can make a payment toward your online loan anytime by logging in to the customer portal.

What do I need to apply?

  • Contact Information (phone number, birth date, home address and valid email address)
  • Identification number (driver’s license, state ID or passport)
  • Gross income (before taxes are taken out)
  • Net income (after taxes are taken out)
  • Source(s) of Income
  • Banking information
  • Debit card information (required for instant funding)

Ready to start your financial journey with Speedy Cash?

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Product Loan Help Center

Still have questions about loans online?

We know that online lending can sometimes be complex and stressful, that’s why we strive to be as informative as possible! If you still have questions, we’re happy to assist you!

visit help center

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© 2025 Speedy Cash. All Rights Reserved.

Loan Products: Subject to state regulations, eligibility, credit check, underwriting & approval, and meet state database eligibility, where required based on type of lending product requested. All products are not available at all locations. Rates, terms and conditions apply. See associate for details. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision.

Non-Loan Store Services: Rules, restrictions, and fees apply. See store for details.

Short term loans should be used for short-term financial needs and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

The credit decision on your application may be based in whole or in part on information obtained from a national database including, but not limited to, TransUnion, Equifax, LexisNexis or FactorTrust, Inc.

†Instant funding is not applicable for all debit cards and is not available in Ohio, Oklahoma, Oregon, or South Carolina. Subject to system limitations. Some restrictions may apply.

∞Cash advances only available up to approved credit limit; some restrictions may apply.

Green Dot: Must be 18 or older to open an account. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Mobile number verification, email address verification and mobile app are required to access all features.

1. Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your Green Dot account to prevent fraud restrictions on the account.

2. Opt-in required. Account must be in good standing and chip-enabled debit card activated to opt-in. Initial and ongoing eligible direct deposits are required for overdraft coverage. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Overdrafts are paid at our discretion. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee.

3. See app for free ATM locations. 1 free in-network withdrawal per calendar month. $3.00 per withdrawal thereafter. $3.00 for out-of-network withdrawals and $1.00 for balance inquiries, plus any fee the ATM owner may charge. Limits apply.

Green Dot® cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. And by Mastercard International Inc. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits. ©2023 Green Dot Bank. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739

NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.

California: Company is licensed by the California Department of Financial Protection and Innovation pursuant to California Deferred Deposit Transaction Law, Cal. Fin. Code §23000 et seq.

California: Compañía está autorizada por el Departamento de Protección e Innovación Financiera bajo la ley de Transacciones Depósito Diferidas de California, Cal. Fin. Código § 23000, et seq.

Customers who are California residents may request information from us to know what personal information we may collect, have, or maintain about them and what we do with it per the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). If you are a California resident and wish to make a request under CCPA or CPRA, click on the “Do Not Sell or Share My Personal Information” button or link.

Nevada: The use of check-cashing services, deferred deposit loan services, high-interest loan services or title loan services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

Oregon: Licensed by the Oregon Department of Consumer and Business Services to make Deferred Deposit Loans, NLMS Id. #0267-004-S.

Texas: Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party.

If you have an unresolved complaint regarding the company’s money transmission or currency exchange activity, please direct your complaint to the Texas Department of Banking: 2601 North Lamar Boulevard, Austin, TX 78705-4294, 1-877-276-5554 (toll free), www.dob.texas.gov.

Corporate office: Speedy Cash, 2312 E Trinity Mills Rd, Ste 100, Carrollton TX 75006