How it Works

Getting Personal With Speedy Cash

At Speedy Cash, we understand that there are emergencies no one can plan for, and we aren’t limited to helping only consumers with perfect credit. Sometimes a run of bad luck comes up through no fault of your own. However, as long as you meet the requirements, we may be able to offer you a loan even if you don’t have perfect credit. Keep in mind that your credit history may impact the type of loan offers and the terms of a loan offer you may receive might not be as favourable if you have Bad Credit.

Convenient Online Form

Our online system makes it simple to see if you qualify for a loan. Just fill out our convenient online form and you may be able to get a loan offer in minutes. If approved, the funds can be deposited electronically into your checking account in as fast as one business day.

Eligibility Requirements:

Your credit does not need to be perfect to be considered for a bad credit loan from us. Borrowers with poor credit may still be able to qualify for a loan.

Requirements to complete the online form:

Here are a few things that affect your eligibility
Financial history / Credit history
Income and expenses
Loan purpose
Whether you have filed for bankruptcy
State of residence

Before you choose your loan offer, Speedy Cash will need the following documentation from you:

Proof of identity (such as a driver’s license, state-issued ID card, passport, or available third-party verification service)
Proof of residence (such as a driver’s license with current address, utility bill, or signed lease)
Proof of income (such as pay stubs or tax returns)

Loan Request Process:

From the start of the application to receiving the funds could be as quick as one day.

Completing the online loan application: Takes just minutes to complete and see your offers*
Signing your loan documents: After final loan approval, signing your closing documents takes about 30-45 minutes.
Receiving your funds: When using your debit card to receive funds, you can get your money as soon as an hour after signing the loan docs. Funds can also be paid out by direct deposit (ACH), which are available approximately 1-2 banking days after loan closing. A check can be issued as soon as the same day as the closing.

*Timing may vary based on: when you submit your application, how many documents are needed for approval, and how long it takes for Speedy Cash to receive, review, and verify those documents, and whether your loan is secured by collateral, among other factors.

Repayment:

You can pay off your personal loan early without penalties at any time.
To pay off your loan early, you can:

Make a one-time payment for the total outstanding balance.
Pay an extra amount each time you make your regularly scheduled monthly payment.