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Part of the Speedy Cash chain · locations
Speedy Cash in Culver City, CA
Culver City, CA's Speedy Cash location at 10404 Venice Blvd. offers fast payday and title loans to local residents.
Data compiled from public sources · Rating from CreditDoc methodology
Speedy Cash Review
Speedy Cash is located at 10404 Venice Blvd. in Culver City, CA, just off the main commercial corridor. This standalone storefront is open Monday through Friday from 9 AM to 7 PM, and Saturdays from 10 AM to 4 PM, making it convenient for Culver City residents to visit during evenings and weekends.
At this Culver City location, customers can apply for payday loans and title loans to cover unexpected expenses. The team is available at 310-558-8433 to discuss loan options, answer questions about application requirements, and help with the approval process.
If you're a Culver City resident needing quick access to funds, bring your government-issued ID, proof of income, and banking information for faster processing. Speedy Cash's straightforward application makes it easy to get the help you need without unnecessary hassle.
Services & Features
Bilingual customer service
Check cashing
Green Dot Visa debit card services
In-store loan consultations and applications
Lines of credit up to $4,000
Money orders
Online loan applications
Payday loans up to $425
Same-location funding availability
Title loans up to $4,000 (secured by vehicle)
Vehicle appraisal for title loans
Wire transfers
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Payday loans available up to $425 with clear repayment timeline (due on next paycheck)
- Lines of credit up to $4,000 with flexible borrowing and repayment structure
- Title loans up to $4,000 for customers with vehicle collateral
- Extended hours (9am-7pm most weekdays, 9am-4pm Saturday) accommodate working customers
- In-store consultation allows customers to review terms and ask questions before signing
- Multiple additional services: money orders, wire transfers, check cashing, Green Dot debit cards
- Bilingual customer service available (English and Spanish)
- Online application option available for initial convenience
- Eight additional Memphis-area locations provide neighborhood accessibility
Cons
- APR and total finance charges not disclosed on website; payday loans typically carry 200-400% APR
- Low maximum payday loan amount ($425) limits usefulness for larger emergencies
- Title loans require vehicle collateral appraisal and proof of insurance, limiting accessibility
- Payday loans require repayment in full within ~2 weeks, creating risk of rollover debt cycles
- High-cost debt products not suitable for non-emergency or long-term financial needs
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 10404 Venice Blvd., Culver City, CA 90232.
Quick Facts
- Headquarters
- 10404 Venice Blvd., Culver City, CA 90232
- 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 consumers facing genuine emergencies who need $100-$4,000 in rapid funding and have either stable payday income (for payday/personal loans) or vehicle collateral (for title loans). The critical caveat is that these are expensive short-term loans with APRs typically exceeding 200%; they should never be used for non-emergency expenses or as a substitute for traditional credit, and borrowers risk entering debt cycles if they cannot repay within the short timeframe.
Best For
- Consumers with immediate small emergency expenses ($100-$425) and stable paycheck income
- Vehicle owners needing moderate emergency funds ($1,000-$4,000) willing to pledge collateral
- Customers seeking rapid funding who prefer in-person guidance and document review
- Borrowers comfortable with high-cost short-term debt as a genuine emergency solution only
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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