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Part of the Speedy Cash chain · locations
Speedy Cash in Jackson, TN
Jackson, TN's Speedy Cash location at Suites E&F offers fast payday and title loans with convenient hours.
Data compiled from public sources · Rating from CreditDoc methodology
Speedy Cash Review
Speedy Cash operates at Suites E&F in Jackson, TN as a standalone storefront serving the local community. The location is open Monday through Saturday, with extended hours on Monday and Friday (9 AM–7 PM) and reduced hours Tuesday through Thursday (9 AM–6 PM), plus Saturday morning service until 4 PM. Sunday closures allow staff time for processing and preparation.
This Jackson location specializes in payday loans and title loans for residents who need quick access to funds between paychecks or want to leverage vehicle equity. Customers can reach the team directly at +1 731-664-7070 to discuss loan terms, eligibility requirements, and the application process. Same-day funding is often available to qualified applicants.
Jackson residents using this Speedy Cash location should bring a valid ID, proof of income, and proof of residence to expedite the application. Whether you're facing an unexpected expense or need bridging funds before your next paycheck, Speedy Cash provides fast access to capital in Jackson with transparent terms and local service.
Services & Features
Check cashing services
Green Dot Visa debit card services
In-store loan applications with staff support
Line of credit up to $4,000 with flexible draw amounts and repayment over time
Loan counseling and term explanation prior to application
Money orders
Online loan applications and origination
Payday loans up to $425 with repayment on or around next paycheck
Phone support (1-888-333-1360)
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
- Multiple loan options with varying limits ($425 payday, $4,000 line of credit, $4,000 title loan) to match different emergency needs
- Nine Memphis-area locations plus online application option for accessibility and convenience
- Extended business hours (9am-7pm most weekdays) accommodate working customers without requiring time off
- Transparent pricing: company states borrowers know exact costs before signing loan agreement
- Line of Credit product allows flexible draws up to approved limit as needs change, with credit replenishing as principal is paid
- In-store application support with staff available to answer questions throughout process and discuss funding/repayment options
- Additional money services (check cashing, wire transfers, money orders) available in-store beyond lending products
- Same-day or next-day funding available through both in-store and online application channels
Cons
- Payday and title loans are high-cost products, typically carrying APRs exceeding 100% despite stated transparency—total cost of borrowing compounds quickly
- Payday loans require repayment in full by next paycheck, creating risk of rollover debt for customers with tight cash flow
- Title loans place vehicle at risk of repossession if payments are missed, requiring full vehicle insurance and clear title documentation
- Website does not disclose specific APRs, fees, or finance charges—borrowers must visit store or call to learn actual costs before committing
- Line of Credit up to $4,000 is still subject to approval based on employment and income verification; credit limits may be substantially lower than maximum advertised
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 Suites E&F, 375 Vann Dr Ste E, Jackson, TN 38305.
Quick Facts
- Headquarters
- Suites E&F, 375 Vann Dr Ste E, Jackson, TN 38305
- 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 one-time emergencies who need same-day or next-day funding and have exhausted lower-cost alternatives (employer advances, credit union PALs, personal loans from banks or credit unions). The critical caveat is that payday and title loans are high-cost products—APRs typically exceed 100%—and borrowers should view them as emergency-only solutions, not regular financing tools. Customers considering title loans must fully understand the risk of vehicle repossession if payments are missed.
Best For
- Employed individuals with stable income facing genuine one-time emergencies (medical bills, car repairs, urgent expenses) who need funds within 24 hours
- Vehicle owners with equity in their car who qualify for title loans and can afford repayment without risking vehicle loss
- Customers needing flexible access to credit for extended or fluctuating expenses who qualify for the line of credit product
- Customers already in the Memphis area with convenient store access who prefer in-person support and want to understand loan terms before signing
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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