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Speedy Cash in Scottsdale, AZ
Scottsdale, AZ: Speedy Cash at 7202 E McDowell Rd offers fast payday and title loans with same-day funding.
Data compiled from public sources · Rating from CreditDoc methodology
Speedy Cash Review
Located at 7202 E McDowell Rd in Scottsdale, AZ, the Speedy Cash storefront serves the East Scottsdale community. The standalone location is convenient for walk-in visitors seeking quick access to payday and title loans. Hours of operation are Monday and Friday 9AM–7PM, Tuesday–Thursday 9AM–6PM, and Saturday 10AM–4PM (closed Sundays).
This Scottsdale location specializes in short-term lending solutions including payday loans, title loans, and cash advances. The team at this branch can answer questions about loan terms, eligibility requirements, and the application process. For specific details about current rates or to discuss your financial situation, call the Scottsdale store directly at +1 480-945-9200.
Residents of Scottsdale, AZ looking for emergency cash can visit this McDowell Rd location with valid ID and proof of income. Walk-ins are welcome during posted hours, and the application typically takes 20–30 minutes. Speedy Cash provides accessible lending when you need funds quickly.
Services & Features
Bilingual customer service (English and Spanish)
Check cashing
Green Dot Visa debit card services
In-store loan applications with team guidance
In-store loan document review and signing
Lines of credit up to $4,000
Money orders
Online loan applications
Payday loans up to $425
Title loans up to $4,000 using vehicle collateral
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
- Same-day or next-day funding available through online and in-store applications
- No APR disclosed on website, but transparent about costs before loan signing
- Flexible Line of Credit product allows borrowing up to $4,000 with draw-as-needed structure
- In-store consultation allows customers to ask questions and review terms before committing
- Title loans leverage vehicle equity for loans up to $4,000, avoiding credit report reliance
- Bilingual customer service available in English and Spanish
- Extended weekday hours (up to 7pm Monday and Friday) and Saturday availability
- Additional money services (check cashing, wire transfers, money orders) at retail locations
Cons
- APR and finance charges not disclosed on website, making true cost opaque to consumers
- Payday loans capped at $425 provide minimal funds for larger emergencies
- Title loans require clear vehicle title and working vehicle, creating collateral risk if borrower defaults
- Short repayment terms on payday loans (next paycheck) create refinancing risk and debt cycles
- No mention of credit-building or financial counseling services despite high-cost lending model
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 7202 E McDowell Rd, Scottsdale, AZ 85257.
Quick Facts
- Headquarters
- 7202 E McDowell Rd, Scottsdale, AZ 85257
- 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 immediate cash needs ($100-$4,000) who can repay within short timeframes and have either stable paychecks or vehicle collateral. The primary caveat is that APR information is not disclosed online, and payday loans carry high refinancing risk due to short repayment windows tied to single paychecks, potentially creating debt cycles for vulnerable borrowers.
Best For
- Workers facing temporary cash shortfalls between paychecks with stable employment
- Vehicle owners needing larger emergency funds ($1,000-$4,000) who can afford loan repayment
- Consumers without access to traditional bank credit who need quick money services (check cashing, wire transfers)
- Bilingual Spanish-speaking borrowers in the Memphis area seeking accessible customer service
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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