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Venture Payday Loans
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Part of the Speedy Cash chain · locations
Speedy Cash in Mesa, AZ
Mesa, AZ's Speedy Cash at 1242 W Main St provides payday and title loans with convenient hours Monday–Saturday.
Data compiled from public sources · Rating from CreditDoc methodology
Speedy Cash Review
Speedy Cash maintains a standalone storefront at 1242 W Main St in Mesa, AZ, accessible to residents throughout the city's central business district and nearby neighborhoods. This Mesa location is built for quick processing—visitors can walk in, apply, and receive answers on loans the same day. Hours of operation are Monday and Friday, 9 AM–7 PM; Tuesday through Thursday, 9 AM–6 PM; and Saturday, 10 AM–4 PM (closed Sunday).
At this Mesa Speedy Cash branch, you can apply for payday loans, title loans, and other short-term credit options available under Arizona law. The staff will review your eligibility, discuss loan amounts and repayment terms, and explain what's required for approval. Call the Mesa location directly at +1 480-464-2274 to ask questions or start the application process.
If you live or work in Mesa and need quick cash for an unexpected expense, having a Speedy Cash location on W Main St means same-day service is within reach. Bring a valid government-issued ID, proof of your current income, and banking information to complete your application fastest. Speedy Cash specializes in rapid underwriting and funding for qualified borrowers.
Services & Features
Check cashing
Customer service in English and Spanish
Green Dot Visa Debit Cards
In-store loan applications and consultations
Lines of Credit up to $4,000
Loan document signing and review
Money orders
Online loan applications
Payday Loans up to $425
Title Loans up to $4,000 (vehicle collateral-based)
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
- Multiple loan products available (payday, line of credit, title loans) allowing borrowers to choose based on their specific situation
- Extended hours including evening service (until 7pm Monday and Friday) and Saturday availability accommodate working schedules
- Transparent pricing model where borrowers know exact costs before signing loan agreements
- In-store application support with team members available to answer questions throughout the process
- Flexible Line of Credit up to $4,000 allows draws as needed, with credit limit replenishing as principal is paid down
- Bilingual customer service available (English: 1-888-333-1360 and Spanish: 1-855-734-0111)
- Additional financial services (check cashing, money orders, wire transfers, Green Dot cards) in-store
Cons
- Payday loans capped at $425 may be insufficient for many emergency expenses, requiring alternative products or multiple loans
- Title loans create risk of vehicle repossession if borrower cannot repay, potentially eliminating transportation access
- As a short-term lender, rates and fees are substantially higher than traditional banks or credit unions, making these expensive options
- Requires in-store visit for initial application of title loans (vehicle appraisal needed), limiting convenience despite online options
- No disclosure of APR, fees, or total cost of borrowing on the website, preventing transparent cost comparison before visiting
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
Compare the Best Personal Loan Options
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Frequently Asked Questions
Is Speedy Cash legitimate?
Yes. Speedy Cash is a registered company, headquartered in 1242 W Main St, Mesa, AZ 85201.
Quick Facts
- Headquarters
- 1242 W Main St, Mesa, AZ 85201
- 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 Memphis-area consumers facing immediate cash shortages who can repay within weeks or have vehicle collateral for larger amounts. The critical caveat is that short-term lending products carry substantial costs compared to traditional credit sources; borrowers should only use these services when no other options exist and understand the full financial commitment before applying.
Best For
- Consumers needing $100-$425 quickly for urgent bills or expenses before next paycheck
- Borrowers with vehicle collateral seeking larger loans ($1,000-$4,000) than payday products offer
- Self-employed or gig workers with variable income unable to document consistent employment
- Customers in Memphis area without bank access seeking check cashing or money order services alongside lending
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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