Speedy Cash Title Loans Review: How They Compare to Other Lenders

Speedy Cash is best known for payday loans and cash advances, so many people are surprised to learn it also offers car title loans in some states. If you are considering speedy cash title loans, the useful questions are the same as for any title lender: is it licensed where you live, what will the loan cost in total, and what happens if you cannot pay? In this review from Auto Cash Title Loans, we cover who operates the brand, how its title loans generally work, what to confirm before applying, and how it compares with lenders that focus mainly on title loans.

Part of our Lender Reviews guide →

About Speedy Cash

Speedy Cash is a consumer lending brand that has been operated by CURO Group Holdings, a Kansas-based company. CURO went through a Chapter 11 restructuring in 2024. Corporate ownership and structure can change, so check the company’s website and your state regulator for the current licensed entity.

The brand offers a mix of products, which may include payday loans, installment loans, lines of credit, and title loans, depending on state law. Title loans are offered only in some of the states where Speedy Cash operates. Use the company’s website or call a location to confirm whether title loans are available where you live.

How Speedy Cash title loans generally work

1. Apply in a store or start online where the company offers it.
2. Bring the car and documents for an inspection and valuation.
3. Review the offer, which is based largely on the car’s value and your state’s limits.
4. Read the disclosures, including the APR, finance charge, and total of payments required by the Truth in Lending Act.
5. Sign and receive funds, often the same day for in-store loans.

Depending on the state, the loan may be a single-payment loan due in about a month or an installment loan paid over several months. Ask which structure applies to you, because it changes the risk considerably.

Rates, terms, and fees

Speedy Cash does not publish a single nationwide title loan rate, because pricing is set within each state’s rules. In states with few limits, title loan APRs often reach triple digits. Typical title loan fees around 25% per month equal roughly 300% APR. Installment versions spread the cost out but can raise the total amount paid. Always ask for:

• The APR and the total of payments for the exact amount you want.
• Every fee, including late, lien, and repossession fees.
• Whether you can pay early without a penalty.
• What renewing or refinancing would cost.

Typical requirements

• A vehicle with a title in your name, usually lien-free.
• Valid government-issued photo ID.
• Proof of income, such as pay stubs, bank statements, or benefits documentation.
• Proof of residence.
• The vehicle for inspection.
• A checking account, which some locations or products may require.

Like most title lenders, approval depends more on the car’s value than your credit score. That makes the loan accessible, but it also means the car is what you put at risk.

How it compares with title-focused lenders

• Product range: a multi-product lender may offer alternatives in the same visit, such as an installment loan that does not use your car as collateral. That can be lower risk, though not always cheaper.
• Loan amounts: lenders that specialize in title loans may offer different maximums. Compare offers for the same car.
• Experience: staff at title-focused lenders may handle title questions more often, but any licensed lender must give the same disclosures.
• Online access: Speedy Cash has an established online platform, though title loans may still need an in-person inspection.

Our guide to Speedy Cash vs. Check Into Cash compares two multi-product lenders, and our list of places like Speedy Cash covers other options.

Checking reviews and complaints

Speedy Cash has many online reviews, but a lot of them concern payday loans rather than title loans. Large lenders also draw more complaints simply because of volume. Instead of counting complaints, read what they are about. Search the CFPB’s consumer complaint database by company name and check your state regulator for license status and any enforcement actions.

Pros and cons

• Possible pros: established brand, storefront and online access, several product types, and approval that does not depend mainly on credit score.
• Cons: title loans available only in some states, high cost typical of the industry, repossession risk if you default, and the temptation to stack products.

Should you choose Speedy Cash for a title loan?

It can be one quote in your comparison, especially if a store is nearby. A familiar name is not a reason to skip comparison shopping. Get a written quote and compare it with at least one or two other licensed lenders, using the total of payments as the main yardstick. Before that, check cheaper options. Credit union Payday Alternative Loans are capped at 28% APR. See how they compare in our guide to title loans vs. Payday Alternative Loans. And remember that CFPB research found about one in five single-payment title loan sequences ends with the car repossessed. Our review of Check Into Cash title loans covers a similar lender, and the title loan lenders hub has more.

Before you visit a store: a checklist

1. Confirm that title loans are offered in your state and at that location.
2. Bring your title, photo ID, proof of income, proof of residence, and the car.
3. Decide the smallest amount you need and stick to it.
4. Ask for the APR, finance charge, and total of payments in writing, and compare them with at least one other licensed lender.
5. Ask what happens if you miss a payment: grace periods, late fees, and when repossession can begin.
6. Ask whether a non-title installment loan would be available, and compare its total cost too.
7. Make a written plan for repaying the loan without renewing it.

Our state guides and your state regulator’s website can tell you what limits apply where you live.

Frequently asked questions

Does Speedy Cash offer title loans?

In some states. Availability depends on state law and the company’s licenses, so confirm on its website or with a store before applying.

Who owns Speedy Cash?

The brand has been operated by CURO Group Holdings, which restructured through Chapter 11 in 2024. Check the company’s website for its current corporate details.

How much does a Speedy Cash title loan cost?

It depends on your state, the loan amount, and the structure. Ask for the APR and total of payments in writing before you sign.

Do I need good credit for a Speedy Cash title loan?

Approval generally depends more on your car’s value and income than your credit score, but the lender sets its own criteria.