Rapid Cash (operating as Speedy Cash) offers payday loans, installment loans, and title loans with same-day or fast funding at 12 Las Vegas locations and online.
Editorially reviewed by Harvey Brooks
Rapid Cash operates under the Speedy Cash brand and provides short-term lending solutions across Nevada with a significant presence in Las Vegas. The company has been established as a storefront lender offering both in-store and online loan products. Their Las Vegas operation includes 12 physical store locations throughout the city, providing local access to borrowers who prefer face-to-face service. The company also operates a customer service infrastructure with bilingual support (English and Spanish) and maintains an online platform for remote applicants.
Rapid Cash's core offerings include payday loans designed for short-term cash needs until the next paycheck, installment loans that spread repayment over multiple periods, title loans using vehicle collateral, and cash advance loans. They also provide ancillary financial services including check cashing, money orders, and money transfers. The company offers a Green Dot prepaid debit card option with features like early direct deposit and overdraft protection. Applicants can choose between in-store application or online application, with the company emphasizing quick funding timelines.
The company distinguishes itself through its dual-channel availability (12 physical locations plus online options) and multilingual customer service (1-888-333-1360 for English, 1-855-734-0111 for Spanish). They position themselves as a locally-based team while offering digital alternatives to avoid in-store wait times. The inclusion of title loans and a broader financial services suite (check cashing, money orders, money transfers) sets them apart from payday-only lenders. Their website emphasizes accessibility and convenience across multiple service modalities.
However, borrowers should recognize that Rapid Cash operates in the high-cost short-term lending space with rates and terms determined on a state and individual basis. The website provides minimal transparency on actual APRs or typical loan costs, requiring customers to visit stores or complete online applications to see specific terms. Lending decisions are subject to credit checks, underwriting, ability-to-repay analysis, and state database eligibility requirements. Military personnel and their spouses/dependents are ineligible. The lack of published rate information is a significant limitation for price comparison shopping before application.
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Yes. Rapid Cash is a registered company headquartered in 2710 S Maryland Pkwy a, Las Vegas, NV 89109. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Rapid Cash is best for Las Vegas-area residents in immediate financial need who have access to a nearby store location or prefer online application, vehicle equity for collateral, or multiple loan product options. The critical caveat is the complete lack of transparent pricing—borrowers cannot comparison shop APRs or fees online and must commit to an application to learn actual costs, making rate shopping difficult for a price-sensitive emergency borrower.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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