Speedy Cash
Payday loans · also title loans, check cashing, money transfer, money orders · 13482 Northwest Fwy #100, Fairbanks / Northwest Crossing
★ 4.9 · 2,099 ratingsHours listed
Open lateSame-day money
Should you go here?
Well reviewed, but the loan itself is expensive.
Borrowers leave fewer bad reviews here than at 63% of Houston stores. The risk is the product: fees are high and renewing adds the fee again. Compare a cheaper option first.
2,099 ratings. Known for fast service. Known for explaining the terms clearly.
of its written reviews are 1–2★, a lower share than at 63% of Houston stores. 10th of 11 Speedy Cash branches here.
In fees on a $1,000 loan, at the Houston area average. Texas sets no cap on these fees.
You need a checking account for a payday loan. Income from benefits or retirement counts. Money can go to your debit card (online loans).
Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.
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
Bad reviews by year · 1% in 2026
What borrowers say
- Ask for Clarissa
- Usually done in about 15 minutes
- Known for fast service
Counted in 1,616 written reviews. Bars: mentions per 100.
What borrowers appreciate
What to watch for
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
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
Walk in, no appointment · Wheelchair access · Apply online first
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.
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.
Nearby alternatives
The closest real storefronts — at least two take a different route. Numbers match the map.
- 1ACE Cash ExpressPayday loans · 0.1 mi★ 4.9Few bad reviews
- 2Cash StorePayday loans · 0.1 mi★ 4.7Many bad reviews
- 3OneMain FinancialInstallment loans · 0.2 mi★ 4.0Many bad reviews
- 4Arcadia Financial LtdSmall loans · 0.3 mi★ 1.0
- 5Republic FinanceInstallment loans · 0.5 mi★ 4.5
- 6Regional FinanceInstallment loans · 1.2 mi★ 4.5Many bad reviews
Been to Speedy Cash?
Tell other borrowers what it was like. We read every review before it goes up, good or bad.
Write a reviewIn borrowers’ own words
- “& I was in and out in less than 10 minutes”
- “Alejandra muy amable me explico súper bien todo lo de mi préstamo”
- “AWWAL was very nice and respectful as well as helpful he helped me with everything I had questions about”
- “Shameria was very upfront about all of the fees, payments, how I could receive my funds, and even due dates”
- “Clarissa got me in and out with cash in hand(:”
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.