Speedy Cash

Payday Loan

Products & Services

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

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.