Koke is an independent comparison site, not a lender. We may be paid when you visit a lender or send an enquiry through Koke. How we make money

Speedy Cash payday loans: costs, licences and review

Last reviewed November 7, 2026 by the Koke editorial team.

Speedy Cash offers payday loans of $100 to $1,500 online in eight provinces and in stores in Alberta, BC, Nova Scotia and Saskatchewan. It charges up to $14 per $100, so a $300 loan costs $42, and pays out by e-Transfer, instant debit card or cash in store.

Last reviewed November 7, 2026

Speedy Cash at a glance

Provinces served
Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Saskatchewan
Apply
Online, In store
Borrow
$100 to $1,500
Repay within
7 to 62 days
Cost per $100
$14.00
On $500 for 14 days
$70.00 fee · $570.00 total
Annual rate on that example
365.0%
Money arrives
Same day (e-Transfer, instant debit card funding, or cash in store)
Credit check
No credit check stated by lender: “No credit check required, as stated in published reviews”
If a payment bounces
—
If you pay late
—
Support hours
—

Is Speedy Cash licensed where I live?

Provincial regulators license payday lenders. Rows marked Verified were checked on the provincial register on the date shown. Rows marked Listed by lender are the provinces the lender says it is licensed in, which we haven’t checked yet. Either way, licences can change, so use the Verify link before you apply.

ProvinceLicence numberStatusRegulatorChecked on
Alberta Not published Listed by lender, not yet checked by Koke Service Alberta and Red Tape Reduction · Verify
British Columbia Not published Listed by lender, not yet checked by Koke Consumer Protection BC · Verify
Manitoba Not published Listed by lender, not yet checked by Koke Manitoba Consumer Protection Office · Verify
New Brunswick Not published Listed by lender, not yet checked by Koke Financial and Consumer Services Commission (FCNB) · Verify
Newfoundland and Labrador Not published Listed by lender, not yet checked by Koke Digital Government and Service NL · Verify
Nova Scotia Not published Listed by lender, not yet checked by Koke Service Nova Scotia (Consumer Affairs) · Verify
Ontario Not published Listed by lender, not yet checked by Koke Ministry of Public and Business Service Delivery and Procurement (Consumer Protection Ontario) · Verify
Saskatchewan Not published Listed by lender, not yet checked by Koke Financial and Consumer Affairs Authority (FCAA) · Verify

Apply now opens Koke’s application page, which sends your answers to our matching partner LeadScout. It may match you with Speedy Cash or with other lenders. Koke may be paid for referrals and for clicks to lender websites; that never changes our rating. Disclosure

Borrowing $500 for 14 days at $14.00 per $100 costs $70.00. You’d repay $570.00 on Sunday, November 22. As an annual rate, that’s 365.0%. Try your own numbers

How applying with Speedy Cash works

Apply online or in a store with ID, proof of income and banking information. Approved loans can be sent by e-Transfer, loaded instantly to a debit card, or paid in cash at a store. Repayment is due in full on your next payday, except where provincial rules require instalments.

What to watch

Published reviews list different minimum loan amounts and store counts, and at least one listed licence had an expiry date that has since passed. Confirm the licence for your province on the regulator’s site before applying.

What we like

  • Several funding options, including instant debit card
  • Stores in four provinces
  • No credit check stated

What to watch

  • Charges the provincial maximum of $14 per $100
  • Store network is small outside the West
  • Published reviews give conflicting minimum loan amounts; confirm before applying

Where Speedy Cash lends

Other licensed lenders in Alberta

Cash Money

5.0/5

Cost per $100
$14.00
Borrow up to
$1,500
Funding
Next business day
Apply
Online and in-store

Licence verified AB, BC, MB, NB, NL, NS, ON, SK

Apply now Read review

Applications go through our partner Loans Canada, which may match you with this or other lenders. Koke may be paid for referrals. Lenders decide approval, cost and terms.

Cashco Financial

5.0/5

Cost per $100
$14.00
Borrow up to
$1,500
Funding
Same day
Apply
Online and in-store

Licence verified AB, BC, SK

Apply now Read review

Applications go through our partner Loans Canada, which may match you with this or other lenders. Koke may be paid for referrals. Lenders decide approval, cost and terms.

iCash

5.0/5

Cost per $100
$14.00
Borrow up to
$1,500
Funding
Same day
Apply
Online

Licence verified AB, BC, MB, NB, NS, ON, PE

Apply now Read review

Applications go through our partner Loans Canada, which may match you with this or other lenders. Koke may be paid for referrals. Lenders decide approval, cost and terms.

A payday loan isn’t your only option. See lower-cost alternatives

Sources

Update log

  • — Profile published from public sources. Licences listed as stated by the lender; register check by Koke pending.

Apply now

$500
Most a payday loan can cost
$70
You’d pay back
$570

Based on the $14 per $100 legal maximum. Lenders can charge less, never more.

About 3 minutes. Koke is not a lender; we may be paid when you apply. No SIN or banking login asked.

One application. A real offer. Your decision.

Tell us what you need once. Our matching partner LeadScout looks for the lender that fits your answers and takes you straight to the offer. Read the cost, compare it with the alternatives, and only sign if it works for you.

Koke is not a lender and may be paid when you apply. Lenders decide approval, cost and terms. No SIN, online-banking login or ID photos asked.