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Part of the Speedy Cash chain · locations
Speedy Cash in Tucson, AZ
Tucson's Speedy Cash location on N Alvernon Way offers quick payday and title loans with convenient Saturday hours.
Data compiled from public sources · Rating from CreditDoc methodology
Speedy Cash Review
Speedy Cash operates at 2351 N Alvernon Way, Suite 100, in Tucson, AZ. This standalone payday and title loan store is conveniently located and open Monday through Saturday. Monday and Friday hours extend to 7 PM, while Tuesday through Thursday and Saturday offer earlier closing times to accommodate Tucson residents' schedules.
At this Tucson location, customers can apply for payday loans, title loans, and other short-term lending solutions. The staff can be reached at +1 520-881-2274 to discuss loan options, eligibility requirements, or to answer questions about the application process.
If you're in Tucson, AZ and need quick cash, this location provides accessible financing alternatives. Bring a valid ID, proof of income, and banking information when you visit to speed up the application process.
Services & Features
Check cashing
Green Dot Visa prepaid debit card services
In-store loan applications and consultations
Lines of credit up to $4,000
Loan document review and signing support
Money orders
Online loan application initiation
Payday loans up to $425
Title loans up to $4,000
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 same-day with transparent cost disclosure before signing
- Lines of credit up to $4,000 offer flexible borrowing and repayment as balance decreases
- Title loans allow borrowers to leverage vehicle equity for larger loan amounts up to $4,000
- Extended hours (9am-7pm most weekdays) accommodate working customers
- In-store team provides application guidance and answers questions throughout process
- Multiple locations across Memphis area for convenient access
- Offers online application initiation for faster in-store completion
Cons
- Payday loans carry inherently high APRs (typical for category) and trap borrowers in debt cycles
- Title loans require clear title and vehicle appraisal, creating collateral risk for borrowers
- Repayment on payday loans due in ~2 weeks creates financial strain for low-income borrowers
- No mention of APR, fees, or cost examples on website despite emphasis on transparency
- Limited loan caps ($425 payday, $4,000 title/LOC) insufficient for major expenses
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
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Frequently Asked Questions
Is Speedy Cash legitimate?
Yes. Speedy Cash is a registered company, headquartered in 2351 N Alvernon Way #100, Tucson, AZ 85712.
Quick Facts
- Headquarters
- 2351 N Alvernon Way #100, Tucson, AZ 85712
- 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 borrowers with immediate cash needs ($100-$4,000) and acceptable credit for emergency situations, particularly those preferring local in-person service. The main caveat is that payday and title loans carry extremely high APRs (typically 400%+ annual) and structured repayment terms create significant risk of repeat borrowing; consumers should only use this option after exhausting payday-alternative programs, employer advances, and credit union PALs.
Best For
- Employed consumers needing $100-$425 for emergency expenses with next paycheck approaching
- Vehicle owners with poor credit needing larger loans ($1,000-$4,000) via collateral-based title loans
- Borrowers preferring in-person support and local presence over online-only lenders
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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