Speedy Cash

Rated 5.0 from 1 Reviews
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Speedy Cash was founded in 1997 with a simple mission: to provide fast, accessible credit to individuals who may not qualify for traditional loans. Over the years, the company has grown to serve millions across North America, offering both in-store and online lending options.

As a direct lender, Speedy Cash evaluates and funds most applications internally, making the borrowing process quick and straightforward. Their focus is on helping customers get access to cash when they need it most, with transparency, flexibility, and convenience at the core of their service.

spTime in business:

SINCE 1998

spCustomers:

OVER 1,000

spTotal funded:

UNDISCLOSED

Products Offered

AMOUNT

$100 - $1,500

INTEREST RATE

Varies

TERMS

14-31 Days

Payday Loan

Products & Services

Speedy Cash offers a range of short-term financial products designed to cover urgent or unexpected expenses.

Product / Service Description Typical Limits & Terms
Payday Loans / Cash Advances Short-term loans that must be repaid by your next payday. Ideal for covering immediate expenses like bills or emergencies. Up to $1,500, usually due within 14–31 days.
Online Loans Apply entirely online, receive instant decisions, and get funds through direct deposit or onto a debit card. Funds can be received the same day or next business day.
In-Store Loans & Services Visit a local branch to apply, verify documents, and receive funds in cash. 19 locations across Canada.
Other Services Check cashing, money transfers, bill payments, and prepaid debit cards. Available at select locations.

How It Works

  1. Apply Online or In-Person
    Start your application online anytime or visit a nearby store.

  2. Get a Quick Decision
    Most applications are reviewed within minutes.

  3. Review & Sign
    Review the loan terms, total repayment amount, and any applicable fees before signing.

  4. Receive Your Funds
    Choose how to receive your money — by direct deposit, instant transfer to a debit card, or in cash at a store.

  5. Repay the Loan
    Repay automatically on your next payday or according to the repayment schedule provided.


Eligibility Requirements

To qualify for a Speedy Cash loan, you typically need to:

  • Be of legal age in your province

  • Have a steady source of income

  • Provide valid government-issued photo ID

  • Have an active bank account for deposits and repayments

  • Show proof of address and recent income documentation


Cost of Borrowing

Speedy Cash operates under provincial lending laws that regulate maximum fees and interest.

  • Typical payday loan fee: $14 per $100 borrowed

  • Example: A $300 loan over 14 days would cost $42 in fees, for a total repayment of $342.

  • Late or missed payments may result in additional charges such as NSF or default interest.

Borrowers are encouraged to only take short-term loans for temporary financial needs and to ensure repayment will not cause financial hardship.


Why Choose Speedy Cash

  • Fast approvals — Get an instant decision and receive funds as soon as the same day.

  • Flexible application options — Apply online or in-store, whichever suits you best.

  • Access for all credit types — You may qualify even with less-than-perfect credit.

  • Transparent terms — All costs and fees are clearly presented before you sign.

  • Established reputation — Over two decades of experience helping customers with short-term financial needs.


Risks & Considerations

Payday and short-term loans are expensive forms of credit and should be used responsibly. Borrowers should ensure they can repay on time to avoid additional fees or debt cycles. Speedy Cash encourages responsible borrowing and compliance with all lending regulations.


Frequently Asked Questions

How fast will I receive the money?
If approved, you may receive your funds instantly to a debit card or by direct deposit the same or next business day.

Can I cancel a payday loan after taking it?
Yes, many provinces allow you to cancel a payday loan within a short grace period (for example, until the end of the next business day) without penalty.

What happens if I miss a payment?
You may be charged additional fees or interest. Contact Speedy Cash as soon as possible to discuss repayment options.

Is Speedy Cash a legitimate lender?
Yes. Speedy Cash is a licensed lender that complies with provincial lending laws and provides full disclosure of fees and repayment terms.

Does Speedy Cash check my credit score?
Credit checks may be performed depending on the product, but approval does not solely depend on traditional credit scores.


Contact information

  • contNo head office address provided
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Availability:

Ontario, British Columbia, Nova Scotia, Alberta, Saskatchewan

Support Offered:

  • Email Support

Call Center:

No call center hours provided
Speedy Cash Reviews
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Avg. Rating: 5.0 (1 review)

Treated well
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“They always treat me like a valued customer in store and over the phone. I'm happy that I found a new spot that actually explains every detail of the loan. ”



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