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- by Clarence W. on 07/18/2015
I received an advertisement in the mail from speedy cash which contained a reservation number. After securing a $210 loan that I qualified for, I would need to pay $247.06 on a specific date. This went well for three loans. The lawns take a while to get to your bank but that's because I'm in Redding California and there are no speedy cash stores here therefore all business must be conducted via The Internet website, telephone, or app. An error occurred and when I attempted to rectify the error which was the loan due date which was off by only seven days, I was met with resistance and skepticism. My request was not honored to have the due date correct, and as a result the fourth loan I had attempted to take out defaulted. This occurred yesterday, 17 July, 2015. I received A phone call from the customer relations department and was trying to figure out a resolution to my defaulted loan and how to pay it back. We decided that a payment needed to be made by the 18th, and that payment arrangements needed to be made to pay the defaulted loan off. If I could do this, a $15 late fee which I had incurred would be waived. This was a one time courtesy, I was told. I made a payment IN FULL! However, the late fee of $15 could not be waived because I didn't set up ongoing payments. In other words, they would've worked with me on the late fee if I made partial payments, but not if I made the payment in full. The bottom line, speedy cash can get cash for you if you need alone, but if there is ever a problem that you need to work with resolution department about... Have fun getting them to do what they say they are going to do. Since I had a great record with them, I don't see why they treat me like someone who's been in collections since the loan was paid in full. Has been paid in full on every occurrence, and yes, I took out another loan which I qualify for because I'm still in good standings with them. They however, are not in good standings with me. I pulled this long again because my financial situation is rough. I didn't have much of a choice especially since my bank account was overdrawn by $12 as a result entering another $30 fee from my bank for nonsufficient funds. If I wanted to play dirty games with them, I could avoid pulling the loan by calling my bank and paying $25 for a stop payment. Since I don't do business this way, I just took note that this is the way this business operates. Get your loan, pay it off- but if there are problems don't expect them to help you. I take loans out with four other places in town including Check N Go- and have dealt with many resolutions to problems. All of these companies do what they say they are going to do. They don't make promises that they can't keep, and they don't look for loopholes to see how they can milk you for everything you've got. It would be my recommendation to any friends or family or person looking for a loan, to explore other options first before loaning with speedy cash.
- by wsmit39 on 05/22/2013
If you set a payment arrangement with them they will tell you it is good and still take the full amount out of your account on your payday! It is totally understandable to owe the money but they lie to your face
- by shanhunter on 02/20/2013
- by janetstevenson on 12/18/2012
- by emmijean on 07/24/2011
Sadly I didn't find out until after I applied for the loan that Ohio is not a eligible state. However calling customer service they were very polite.