Home SpeedyCash App Loan Review 2020 – READ THIS BEFORE Applying!

SpeedyCash App Loan Review...When you urgently need a financial boost, the biggest challenge might be selecting one out of the many service providers out there. SpeedyCash is among these providers, but is it the right platform for you?

In this comprehensive review of the SpeedyCash app, we will find out what loans you can access from the platform. We will also look at the benefits and potential downsides of borrowing through the app.

By the end of it, you will be in a position to determine whether or not you should sign on SpeedyCash. Let’s dive right in.

In This Guide

Apply for a Payday Loan Now! | Best Payday Lender 2020

Our Rating

Viva payday loan app company logo
  • Loans From $100 to $15,000
  • Instant Application & Approval
  • Bad Credit Considered
  • Lenders From All 50 US States Onboard
Viva payday loan app company logo

SpeedyCash app is a highly versatile and convenient platform for borrowers. As a mobile device platform, it offers easy access to multiple loan opportunities and manages them on the go. And from the wide range of loan options, you can easily get the perfect fit for your needs and circumstances.

What is SpeedyCash App?

SpeedyCash App Loan Review...

SpeedyCash app is a mobile device app from SpeedyCash that allows customers to manage their loans with ease from the convenience of a mobile device. Using this app, you can take out a new loan from the service provider. You can also access additional cash on an existing loan.

About SpeedyCash

SpeedyCash is one of the top short-term loan providers operating in a number of US states and beyond. The direct lender has been in existence since 1997.

Founded in Riverside, California, the service provider is a brand of Curo Financial Technologies. Though it only started out with one store in California, it has rapidly expanded and now serves users in almost 30 US states.

It offers a number of financial services, both online and in its physical stores.

Pros and Cons of a SpeedyCash App Loan


  • Easy access on mobile devices
  • Wide variety of loan options
  • Same-day funding accessible in-store or via the Opt+ debit card
  • Flexible repayment options that include loan refinancing
  • High loan limits
  • Offers extra services like check-cashing


  • Not accessible in all states
  • Relatively high rates and costs
  • You will need to pay a one-time service fee when you take out a loan
  • Less than stellar customer reviews

Speedcashapp Vs online short term companies, how does it compare?

Speedycashapp is an app-based lending service that specializes in offering online installment loans. Its greatest selling point yet is the app’s extended loan limit and an equally attractive loan repayment period. But how does it compare to such other online installment loan lenders like Opploans, Oportun, or Check N Go? We break down their varied attributes in the table below:

SpeedyCash App

  • Access mobile app loans of between $50 and $26,000
  • No minimum credit score
  • Loan APR ranges from 5.36% to 420%
  • Loan repayment period depends on approved loan amounts and your State laws


  • Borrow limit $1,000 to $4,000
  • Bad credit score is allowed
  • Annual payment rate starts from 99% to 199%
  • Payment period of 9 to 36 months


  • Loan amount starts from $300 to $9,000
  • No minimum credit score required
  • Annual rates fall between 20% to 67%
  • Loan should be repaid in a span of 6 to 46 months

Check N Go

  • Borrow from $100 to $500
  • Minimum credit score of 300 FICO
  • Fee rate starts from $10 to $30 (depending on the State)
  • Payday loan repayment period of between 2 and 4 weeks

How does a SpeedyCash App loan work?

The SpeedyCash app is a convenient platform on which you can access a wide array of financial services from this direct lender.

Here are some of the top features accessible on the app:

  • Applying for loans (for new and old customers)
  • Locating the nearest SpeedyCash store
  • Getting push notifications for important reminders
  • Viewing loan information
  • Managing your SpeedyCash account
  • Making payments securely and conveniently
  • Sending messages to customer service in the US
  • Signing loan documents
  • Making a due date change
  • Getting cash on a line of credit
  • Requesting for a loan refinance
  • Selecting a funding option

The terms for the loans accessible on the app vary from state to state. However, the amount ranges from $50 all the way to $26,000 under its different loan packages. Other aspects that will determine the amount you can access include your income and the loan product that you select.

What loan products does SpeedyCash App offer?

Let us take a look at the various loan products that you can access on SpeedyCash app:

SpeedyCash Payday Loans

These are small-dollar, short-term loans that are typically repayable in full, plus all additional costs, on your next payday. You can use your debit card to make repayment, but you can also set up an automatic bank payment directly from your account.

The lender also accepts cash and post-dated checks. In certain states, you can request for a loan refinance in case you are unable to make full repayment by the due date.

SpeedyCash Installment Loans

Installment loans offer a greater deal of flexibility than payday loans. These allow you to borrow a lump sum and to pay it back over a period of time in installments. In this case, the loan accrues daily interests and may thus end up costing a lot, especially if you repay over a long time.

In case you get approval for this type of loan and experience difficulties making repayment, the lender can offer payment arrangements.

SpeedyCash Auto Title Loans

The lender offers loans on automobiles. These are secured loans in which your vehicle acts as collateral. They will require that you bring the vehicle in for inspection. Following the inspection, they will give you a lending decision.

If they approve your application, you will sign relevant documents on the spot and drive away with the cash. Both the amount you get and the repayment term will depend on your situation at the time.

In certain states, you may have to provide proof of first lien or a clear title, while in others, it is not mandatory. And there are no restrictions on the make, type and year of manufacture of the vehicle.

SpeedyCash Lines of Credit

Another type of loan that you can access from the app is the line of credit. With this type of loan, you can get access to about three times the amount you would get with a payday loan. When you get approval, you can take out any amount of money within the approved limit.

Like the installment loan, this form of credit is repayable over a period of time. What makes it unique, however, is the fact that you can access the funds again and again after making repayment. In this regard, it functions more or less like a credit card.

You only have to pay interest for the amount you actually withdraw and the time you have the cash. And you can make extra payments any time to reduce the total interests payable. The maximum credit accessible under this arrangement depends on your credit score, maximum limit that your state allows and your monthly income.

SpeedyCash Opt+ Prepaid Card

In case you do not have a bank account, you can still access funding on the platform. SpeedyCash provides an exclusive debit card using which you can withdraw funds from an ATM or pay your bills. The card works at any Visa location, any ATM and has a full system for bill payment.

The main advantage to using their pre-paid card is that you can access your funds immediately your application gets approval. But if you are using a bank account, applications may take up to two business days for funds processing.

There are three types of cards available:

  • Monthly Card – Ideal for day to day purchases, this card features a monthly fee.
  • Direct Deposit Card – This is similar to the Monthly Card, the only difference being that you can receive your paycheck directly into it. In case the monthly direct deposit amount exceeds $1,000, they will waive the monthly fee on the card.
  • Pay as You Go Card – With this card, there is no monthly fee, and you only need to pay when you use it. You can use it to make withdrawals for free from any SpeedyCash store location and for a fee at any Visa location.

What other store services does SpeedyCash App offer?

SpeedyCash also offers the following services:

  • Check-cashing
  • Money transfers
  • Money orders
  • Cash for gold

SpeedyCash App Account Creation and Borrowing Process

1. To start borrowing from the SpeedyCash app, start by visiting Google Play Store or Apple App Store and downloading the app.

2. Follow the prompts to install the app on your smartphone or other mobile devices.

2. Next, create an account on the app by providing your name and email address.

SpeedyCash App Loan Review...

Provide the rest of the required information to complete account creation and create a profile on the app.

4. Once your account is set up, you can start requesting for new loans by tapping “Apply Now.”

It’s essential to be cautious during the sign up process for these products. This is because you can end up owing two to three times what you borrow on the longer-term loans, and many have difficulty repaying the short-term loans without reborrowing.

Eligibility Criteria for SpeedyCash App Loan

The eligibility requirements for these loans will depend on the type of loan. Here are some of the general thresholds you need to meet:

  • Be at least 18 years of age (19 in Alabama)
  • Have an open and active checking account
  • Have a valid phone number
  • Show proof of income
  • Proof of address
  • Have a valid ID
  • Social security number
  • Valid email address

For the auto-title loan, you will also need:

  • Proof of title or first lien
  • Proof of insurance
  • A vehicle in good condition

Information Borrowers Need to Provide to Get SpeedyCash App Loan

During the application process, you will need to provide the following information:

  • Full name
  • Home address
  • Email address
  • Phone number
  • Date of birth
  • Social security number
  • Government-issued ID
  • Employer’s name
  • Employer’s address
  • Employer’s phone number
  • Income details
  • Bank account details

What states are accepted for SpeedyCash App loans?

SpeedyCash operates in the following states:

  • Wyoming
  • Wisconsin
  • Virginia
  • Utah
  • Texas
  • Tennessee
  • Rhode Island
  • Oklahoma
  • Illinois
  • Hawaii
  • Delaware
  • Colorado
  • Ohio
  • Nevada
  • North Dakota
  • Mississippi
  • Missouri
  • Louisiana
  • Kansas
  • Idaho
  • California
  • Arizona
  • Arkansas
  • Alabama

What are SpeedyCash App loan borrowing costs?

Borrowing a loan from this platform will attract varying charges, which mostly depend on the states of residence and your creditworthiness. The higher the risk for the lender, the higher the rates they are likely to charge.

Note that the lender charges a service fee for every application. Additionally, if you fail to pay off the loan at the required time, you will pay late fees. Refinancing also comes at a cost.

Find out all you need to about the total cost of the loan by reviewing loan documents carefully prior to signing.

SpeedyCash App Customer Support

SpeedyCash has a lot of mixed reviews online. As is the case with most short-term lenders, complaints revolve around high fees, which are to be expected.

But there are complaints about poor customer service as well and lack of communication and response from the team. It comes as no surprise that the business gets a BBB rating of B and that there are almost 200 unresolved complaints.

Is it safe to borrow from SpeedyCash App?

SpeedyCash app makes use of advanced encryption technology to secure user data. The app does not store any sensitive information such as bank account details. And fortunately, you do not have to connect your bank account so as to use the service.

SpeedyCash App Review Verdict

As a direct lender, SpeedyCash offers a lot more options than your average short-term lender. And its app also supports lots of services. Using this app, you can access most of the loans on the platform and manage your account with ease.

It can help you find stores near you and make payments or change your due date. There are lots of other more comprehensive loan apps out there, with tons more features. And most of these offer services all over the US. In these regards, the SpeedyCash app is limited.

Additionally, the rates for their loans are quite high and the customer reviews are also disturbing. Though you can get a loan from the platform even with poor credit, it would be best to consider other options before committing to a loan from this lender.

Apply for a Payday Loan Now! | Best Payday Lender 2020

Our Rating

Viva payday loan app company logo
  • Loans From $100 to $15,000
  • Instant Application & Approval
  • Bad Credit Considered
  • Lenders From All 50 US States Onboard
Viva payday loan app company logo


Is it possible to cancel a SpeedyCash loan?

How soon can I get funds from SpeedyCash?

How do I make repayment for the loan?

What if I am unable to repay my loan on time?

Can I get a loan from SpeedyCash if I have poor credit?

US Payday Loan Reviews – A-Z Directory



Nica specializes in financial technology and cryptocurrency. At her young age, she was already able to work with a Y Combinator-backed startup and another startup founded by Harvard graduates.