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Part of the Speedy Cash chain · locations
Speedy Cash in Converse, TX
Converse, TX's Speedy Cash at 8320 FM78 offers payday and title loans with extended Friday hours until 8PM.
Data compiled from public sources · Rating from CreditDoc methodology
Speedy Cash Review
Located at 8320 FM78 Suite 3 in Converse, TX, this Speedy Cash storefront is a standalone payday and title loan facility. The location is accessible during extended business hours: Monday through Thursday from 9AM to 7PM, Friday from 8AM to 8PM, and Saturday from 10AM to 6PM (closed Sundays). Converse residents and nearby communities can access quick loan services at this convenient FM78 location.
At the Converse Speedy Cash office, customers can apply for payday loans, title loans, and other short-term financial solutions. Staff can answer questions about loan terms, rates, and eligibility requirements. For specific inquiries or to discuss your financial needs, call the Converse location at +1 210-662-5973.
If you need fast cash in Converse, TX, bring a valid photo ID, proof of income, and proof of residency. The Speedy Cash team at this FM78 location works with customers to find solutions that fit their immediate financial needs.
Services & Features
Bill payment services
Check cashing
Customer service phone support (English and Spanish)
Green Dot Visa debit card services
In-store application and approval
Lines of credit up to $4,000 with flexible draw and repayment
Money orders
Online application initiation
Payday loans up to $425 with repayment on next payday
Title loans up to $4,000 using vehicle as collateral
Vehicle appraisal for title loan qualification
Wire transfers
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Payday loans available for amounts up to $425 with transparent pricing disclosed before signing
- Lines of credit up to $4,000 offer flexibility to draw and repay amounts as needed with credit limit recovery upon repayment
- Title loans up to $4,000 provide larger loan amounts for consumers with vehicle collateral and extended repayment terms
- Same-day or next-day funding available through in-store application process
- Extended store hours (9am-7pm most days) accommodate working customers
- In-store staff available to answer questions throughout application and document review process
- Multiple money services available including wire transfers, check cashing, and money orders at single locations
Cons
- High-cost borrowing with payday loans typically carrying 300%+ APR despite transparent disclosure
- Limited loan amounts ($425 payday maximum) may not cover larger emergencies without requesting multiple loans
- In-person store visit required for final approval and funding; not fully online process despite 'get started online' option
- Title loans require clear title in most states and vehicle appraisal, creating barriers for some borrowers
- Payday loan repayment due in short timeframe (around next paycheck) can create debt cycle for those unable to pay in full
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
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Frequently Asked Questions
Is Speedy Cash legitimate?
Yes. Speedy Cash is a registered company, headquartered in 8320 FM78 Ste 3, Converse, TX 78109.
Quick Facts
- Headquarters
- 8320 FM78 Ste 3, Converse, TX 78109
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Speedy Cash
Speedy Cash is best for employed individuals facing genuine short-term cash emergencies ($100-$4,000) who can repay within weeks or months and understand the high costs involved. The critical caveat is that payday and title loans carry triple-digit APRs and should only be used when no cheaper alternatives (credit cards, credit union PALs, employer advances, family loans) are available, as they can create debt cycles if used repeatedly.
Best For
- Workers needing $100-$425 quickly before next paycheck for genuine emergencies
- Vehicle owners seeking collateral-based loans up to $4,000 with longer repayment periods than payday loans
- Consumers with flexible borrowing needs who benefit from line of credit structure over fixed loan amounts
- People without access to credit cards or traditional bank loans seeking rapid funding within hours
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
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.
Why it matters
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.
Compound 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.
Why it matters
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.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
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.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
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.
How Loans Work
Collateral — Loan Collateral
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.
Why it matters
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.
Fees & Costs
Late Fee — Late Payment Fee
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.
Why it matters
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.
NSF Fee — Non-Sufficient Funds Fee
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.'
Why it matters
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.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
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.
Credit Cards
Cash Advance — Credit Card Cash Advance
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.
Why it matters
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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