Speedy Loans has been offering loans to people in the area since 1999. A payday advance provides you with short-term cash until your payday. Customers choose payday advances to cover unexpected expenses while avoiding costly bounced-check fees and late payment penalties. With Speedy Loans you can apply for a payday loan online and have up to $1,000 electronically deposited to your checking account within 6 hours.
How do I apply for a loan?
Simply call us at 208-410-4499 to be pre-approved for a loan. We will then fax you our application.
What do I need to be approved for a payday loan?
You will be approved for a payday loan if you meet the following simple requirements:
What if I have bad credit?
Bad credit will not prevent you from receiving a payday loan at Speedy Loans. Our friendly managers will work with you, even if you have already been turned down by other lenders.
How much can I receive?
We offer loans from $50.00 to $10,000.00
When will I receive my payday loan?
Your application will be processed within 10 minutes. When approved, you will receive your cash immediately or if you prefer we will deposit your cash into your checking account within 6 hours. Once you receive the loan, we will help you to schedule you repayment dates so that you won’t have to worry about bounced checks or missed deadlines.
When will my loan be due?
Your due date will normally be due on your next payday that is between 4 and 17 days away.
May I refinance (extend) my loan beyond the due date?
Yes. You may refinance your loan by simply by contacting us at least 24 hours before your due date.
Once I have paid off a loan, how long do I have to wait to apply for another loan?
There is no waiting period. For example: if your loan is paid in full today, you can apply for another loan on the same day. Simply provide proof that the payment has cleared your account and we will then deposit the requested funds into your checking account. The funds will then be available immediately.
How much does a payday loan cost?
Click here to view our rates.
What Happens if My Loan Goes Into Default?
If your loan goes into a default status, Speedy Loans is committed to collecting your debt in a professional, fair and lawful manner. You will be charged a one-time $20 fee for checks or electronic transactions that are returned unpaid. Additional interest will not accrue after default. We will contact you via phone and mail to ask for payment in full, and we may make reasonable repayment arrangements with you. If the loan remains unpaid and/or we do not receive a response from you, we may file a claim with the small claims court and obtain a judgment. This will affect your credit. Filing a claim is always the last resort and is only filed when all other attempts to collect the debt has failed. You can reach Speedy Loans Payment center at 208-736-1065 for more information.
Customer Notice: Payday loans should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling. Speedy Loans follows the best practices as published by the Community Financial Services Association (CFSA).