Speedy Cash

Payday loans · also title loans, check cashing, money transfer, money orders · 1160 Edgebrook Dr, Edgebrook Area

★ 4.9 · 3,098 ratingsHours listed

Open lateSame-day moneySe habla español

Should you go here?

Well reviewed, but the loan itself is expensive.

Borrowers leave fewer bad reviews here than at 65% of Houston stores. The risk is the product: fees are high and renewing adds the fee again. Compare a cheaper option first.

Good sign

What borrowers say4.9★

3,098 ratings. Known for fast service. Known for explaining the terms clearly.

What borrowers say ↓

Good sign

Bad reviews2%

of its written reviews are 1–2★, a lower share than at 65% of Houston stores. 9th of 11 Speedy Cash branches here.

How it compares ↓

Watch out

What it costs$308 / month

In fees on a $1,000 loan, at the Houston area average. Texas sets no cap on these fees.

Work out your cost ↓

Check it

Who they lend to

You need a checking account for a payday loan. Income from benefits or retirement counts. Money can go to your debit card (online loans).

Before you go ↓

Check it

LicenceLook it up

Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.

OCCC licence search ↗

A cheaper routeA credit-union loan could save you about $857 on $1,000 over 3 months →0.2 mi away · installment loansWorld Finance — ★ 4.9, few bad reviews →

From ratings and written reviews of this store, state fee data (OCCC, Q2 2026) and the chain’s own website. Checked September 2026. We don’t lend and no store pays us.

How it compares

Against every loan store in Houston and every other Speedy Cash branch.

Rating

4.9Higher than 55% of Houston loan stores. City average is 4.4.

Lowest rated in HoustonHighest

Bad reviews (1–2★), share of written reviews

This store2%

Average Speedy Cash branch in Houston1%

Average Houston payday loan store5%

Bad reviews by year · 1% in 2026

212223242526

What borrowers say

Ask for Mel or Angel
Usually done in about 30 minutes
Known for fast service

Counted in 2,261 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service232 reviews · 10.3 per 100
Explains the terms clearly139 reviews · 6.1 per 100
Treats you with respect15 reviews · 0.7 per 100
Money the same day7 reviews · 0.3 per 100
Short waits5 reviews · 0.2 per 100
Upfront about costs3 reviews · 0.1 per 100

What to watch for

Rude staff7 reviews · 0.3 per 100

Complaints are counts only.

Work out what you’d repay

Payday lenders in the Houston area report an average fee of $17.46 per $100 for 17 days (OCCC, Q2 2026) — about $30.81 per $100 a month. Texas sets no cap on these fees, so ask this store for its own.

I want to borrow

and pay it back

You’d pay in total

$1,308

$1,000 you borrowed$308 in fees

Paid back in one go after about a month. If you can’t pay, renewing costs another $308 each month and doesn’t reduce what you owe.

Before you go

What to take, and what to ask before you sign.

Bring these

IDProof of incomeBank statementsSSN or ITINClear car titleThe car, so they can inspect it

Who they lend to

You need a checking account for a payday loan
Income from benefits or retirement counts
Money can go to your debit card (online loans)

At the store

Wheelchair access · Apply online first · Se habla español

Loans in Texas Payday loans up to $3,000Customer service 1-888-333-1360

From speedycash.com, checked September 2026

Ask these at the counter

1
What is the total I’ll repay, in dollars, and when?
Borrowers here mention: known for explaining the terms clearly.
2
What happens if I can’t pay on the due date?
Ask what a renewal costs and whether they call your employer or references.
3
Can I pay it off early, and is there a fee?
Texas law says your contract must allow early payoff with no penalty. Ask them to confirm.

Payday loans in Texas: how they work, your rights, how to get out →

Check the licence: OCCC licence search or call 800-538-1579.

A cheaper route

Need $1,000 for 3 months? A credit-union loan could save you about $857.

A Payday Alternative Loan (PAL) from a federal credit union is $200–$2,000, repaid over 1–12 months, capped at 28% a year plus a $20 fee at most. You usually join the credit union first, which can take a day.

Credit-union PAL$1,067

This payday loan, renewed twice$1,924

Total repaid on $1,000 over 3 months, at the Houston area average fee (OCCC) and the federal PAL cap (12 CFR 701.21).

Nearby alternatives

The closest real storefronts — at least two take a different route. Numbers match the map.

Been to Speedy Cash?

Tell other borrowers what it was like. We read every review before it goes up, good or bad.

Write a review

In borrowers’ own words

“Ana was very patient very helpful she did an amazing job helping quick and easy”
“Always welcoming, friendly staff, Ms.Lourdes help me today, explain all details very well and help me get approved for a loan”
“First time going into speedy cash loan I was greeted by nae she attended me well explained step by step about the loan and very polite and respectful”
“I was denied online but was able to walk out working 20 minutes with cash in hand”
“All the employees are very professional and there is never a long wait.”

Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.

About this lender

Payday loans, and also title loans, check cashing, money transfer, money orders.

Part of a chain: Speedy Cash has 28 locations across the Texas cities we cover — Houston (11), San Antonio (5), Austin (4), Fort Worth (3), Laredo (2), Corpus Christi (1), McAllen (1), Dallas (1). See the Speedy Cash brand page.

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