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Part of the Speedy Cash chain · locations
Speedy Cash in Round Rock, TX
Round Rock, TX Speedy Cash location on N Interstate Hwy 35 offers fast payday and title loans with extended Friday hours until 8PM.
Data compiled from public sources · Rating from CreditDoc methodology
Speedy Cash Review
The Speedy Cash location at 907 N Interstate Hwy 35 B in Round Rock, TX is a standalone storefront on the I-35 corridor. This Round Rock location operates extended hours throughout the week—Monday through Thursday 9AM-7PM, Friday 8AM-8PM, and Saturday 10AM-6PM—making it accessible for both working customers and weekend visitors.
At this Round Rock Speedy Cash, you can apply for payday loans and title loans with quick approval times. Contact the location directly at +1 512-244-3038 to discuss your loan options or to submit an application in person. The staff can answer questions about required documentation and help you complete the application process.
Bringing a valid ID and proof of income are standard requirements when visiting this Speedy Cash in Round Rock. Whether you're facing an unexpected expense or need bridge cash before your next paycheck, this convenient location serves the community with quick processing times. Plan your visit during business hours—the location is closed on Sundays.
Services & Features
Bilingual customer service (English and Spanish)
Check cashing
Green Dot Visa Debit Card
In-store loan application assistance
Line of credit up to $4,000
Money orders
Online loan application
Payday loans up to $425
Title loans up to $4,000
Wire transfers
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Three distinct loan products covering a range of amounts: payday ($425), line of credit ($4,000), and title loans ($4,000)
- Line of credit product allows flexible draws and repayments — credit limit restores as you pay down
- In-store staff available to walk applicants through the full process including document review and repayment questions
- Bilingual customer service with separate English (1-888-333-1360) and Spanish (1-855-734-0111) hotlines
- Multiple financial services in one location: money orders, wire transfers, check cashing, Green Dot Visa Debit Card
- Both in-store and online application paths available
- Open six days a week with extended hours Monday and Friday (9am–7pm)
Cons
- Payday loan maximum is capped at $425 — low for larger emergency needs
- Payday loans due on next payday, giving very little repayment flexibility
- Title loans require a clear vehicle title and in-store appraisal — vehicle is at risk if you default
- Closed on Sundays
- Store webpage contains a copy error referencing competitor brand 'Check Into Cash,' suggesting quality control issues
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 907 N Interstate Hwy 35 B, Round Rock, TX 78664.
Quick Facts
- Headquarters
- 907 N Interstate Hwy 35 B, Round Rock, TX 78664
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Speedy Cash
Best for Memphis-area consumers who need fast cash and have exhausted bank or credit union options, particularly those who want in-person help navigating loan products. The main caveat is that payday and title loans carry high costs and short repayment windows — borrowers who cannot repay quickly can end up in a debt cycle, and title loan defaulters risk losing their vehicle.
Best For
- Memphis residents needing a small emergency cash advance before their next paycheck
- Borrowers with a paid-off vehicle who need up to $4,000 and can tolerate secured lending risk
- Customers who prefer in-person guidance and want to ask questions during the application process
- Spanish-speaking borrowers who need native-language phone support
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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