Payday Loans

Need a cash advance until your next payday? Speedy Cash provides payday advances to residents across Washington State.
View Payday Loan Fees

Our locations:

Longview | Centralia | Chehalis | Olympia

We also offer payday loans to outlying towns like Winlock, Toledo, Castle Rock, Grand Mound, Cathlamet, Kalama, Woodland, Rainier and Rochester.

Introduction to Payday Loans

Welcome to Speedy Cash. Thank you for choosing us. We know that making informed financial decisions is important to you, and we invite you to take a moment to review these answers to frequently asked questions about Speedy Cash loans.

Loan Amount Fee Write  Post Dated
Check for
30 Day APR Rate
$50.00 $7.50 $57.50 182.50%
$100.00 $15.00 $115.00 182.50%
$150.00 $22.50 $172.50 182.50%
$200.00 $30.00 $230.00 182.50%
$250.00 $37.50 $287.50 182.50%
$300.00 $45.00 $345.00 182.50%
$350.00 $52.50 $402.50 182.50%
$400.00 $60.00 $460.00 182.50%
$450.00 $67.50 $517.50 182.50%
$500.00 $75.00 $575.00 182.50%
$550.00 $80.00 $630.00 176.97%
$600.00 $85.00 $685.00 173.36%
$650.00 $90.00 $740.00 168.46%
$700.00 $95.00 $795.00 165.12%

Facts About Our Payday Loan Services

Why do people choose a Payday Loan to borrow money for a short period of time?

Surveys show that while most people typically do a good job of managing their household budgets, most of us need occasional help. An increasing number of consumers choose a Payday Loan to cover unexpected expenses or bridge a short-term cash shortage between paydays. A Payday Loan is a short-term loan that provides a sensible alternative to bounced checks, late payment charges or tarnished credit rating.

How often do people typically borrow money?

A Payday Loan is a short term loan to cover an occasional, unexpected cash shortage between paydays. A Payday Loan does not provide the kind of help intended if used repeatedly to the point of incurring additional debt. We recommend that you investigate other financing options if you are planning on borrowing money beyond your next payday.

A Payday Loan is not a long-term solution for ongoing budget management.

How does Speedy Cash determine how much I can borrow?
State laws regulate the amount of money that can be loaned. Within the limit, Speedy Cash qualifies you to borrow only an amount you can reasonably repay from your next paycheck.
How does Speedy Cash determine what to charge?
State laws regulate loan fees. It is our goal to offer loans at a competitive rate.

Payday Loans

Does Speedy Cash vary the loan fee based on my credit rating?
Although banks and other financial institutions charge varying rates depending on a customer’s credit-worthiness, Speedy Cash charges a standard rate to all customers. Speedy Cash does not review your credit report, but bases our lending decision on your ability to repay your loan.
If a payday loan is quick and simple why is there so much information in the Loan Agreement and Disclosure Statement?
The Loan Agreement and Disclosure Statement is a contract between you and Speedy Cash. It outlines the terms of the loan, including the cost of the loan expressed as a dollar amount and as an annual percentage rate.
Can I just pay the loan fee to extend the loan? Washington State law prohibits "rollovers".
Because this is a short-term loan rather than a revolving credit option, Washington State requires you to repay your loan in full on the due date.
What is a Checkless Loan and how do I get one?

A checkless loan is a payday loan that does not require a personal check. Instead of depositing your check into the bank or coming in and buying the check back Speedy Cash simply debits the funds directly from your checking account.

To qualify for a checkless loan you need a drivers licence, most recent bank statement with full account number printed on the statement, and your most recent pay stub. You must have direct deposit of your funds into the banking account that you will be using for the loan.

Call us today with any questions and to get started.

Speedy Cash Centralia Check Cashing:

Speedy Cash Longview Check Cashing