Speedy Cash

Payday loans · also check cashing, money transfer, money orders · 7120 San Bernardo Ave

★ 5.0 · 643 ratingsHours listed

Open lateSe habla español

Should you go here?

Many bad reviews, and the loan is expensive.

Borrowers leave more bad reviews here than at 61% of Laredo stores. The risk is the product: fees are high and renewing adds the fee again. Compare a cheaper option first.

Watch out

What borrowers say5.0★

643 ratings. Known for fast service. Known for explaining the terms clearly.

What borrowers say ↓

Watch out

Bad reviews1%

of its written reviews are 1–2★, a higher share than at 61% of Laredo stores.

How it compares ↓

Watch out

What it costs$570 / month

In fees on a $1,000 loan, at the Texas 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 $1,643 on $1,000 over 3 months →1.5 mi away · installment loansSun Loan Company — ★ 5.0, 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 Laredo.

Rating

5.0Higher than 49% of Laredo loan stores. City average is 4.8.

Lowest rated in LaredoHighest

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

This store1%

Average Laredo payday loan store1%

Bad reviews by year · 1% in 2026

23242526

What borrowers say

Ask for Cynthia or Maria
Known for fast service
Known for explaining the terms clearly

Counted in 377 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service36 reviews · 9.5 per 100
Explains the terms clearly19 reviews · 5 per 100
Treats you with respect3 reviews · 0.8 per 100

Work out what you’d repay

Payday lenders in the Texas report an average fee of $26.60 per $100 for 14 days (OCCC, Q2 2026) — about $57.00 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

$1,570

$1,000 you borrowed$570 in fees

Paid back in one go after about a month. If you can’t pay, renewing costs another $570 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 ITIN

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 $1,643.

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$2,710

Total repaid on $1,000 over 3 months, at the Texas 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.

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In borrowers’ own words

“A lot of great deals, they have more options, more advanced, quick n easy!!”
“Always explaining everything along the way.”
“Positive respectful and very helpful and informative 👌 definitely recommend to stop by with her”

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

About this lender

Payday loans, and also 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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