At 2926 Lamar Ave in Memphis, TN, Speedy Cash provides payday and title loans.
Data compiled from public sources · Google rating shown when a stored review count is available
Speedy Cash operates at 2926 Lamar Ave, Suite 109, a standalone storefront in Memphis, TN. The Lamar Avenue location serves the midtown area with drive-by access and parking. Specific business hours are not published online, so call ahead at +1 901-744-3230 to confirm availability.
This Memphis Speedy Cash branch offers payday loans and title-secured loans for qualified customers. Contact the location directly at +1 901-744-3230 to discuss your specific loan needs, qualification process, and repayment terms. You can visit in person to apply or ask questions about available loan products.
If you're a Memphis resident researching short-term cash access, bring your ID, proof of income, and banking information to the Lamar Ave location. Speedy Cash provides short-term lending solutions for residents facing immediate expenses. Hours vary, so verify the schedule by phone before visiting.
Review lender profiles, APR ranges, fees, minimum-score fields, and funding-speed notes before deciding what to do next.
This is state-level context for Emergency Cash consumers in Memphis, TN. It does not confirm that Speedy Cash or this specific location is licensed.
State regulator
Tennessee Department of Financial Institutions
Consumer protection
Status: Permitted
Rate context: Maximum fee of 15% of the advance amount
Amount context: $500
Term context: 31 days
Regulated under Tennessee Deferred Presentment Act (Tenn. Code Ann. § 45-17-101 et seq.). Borrowers limited to two outstanding payday loans at any time. Lenders must be licensed with Tennessee Department of Financial Institutions. No statewide database system currently in place.
Status: Permitted
Rate context: 24% APR for consumer finance installment loans; rates may vary for other installment loans
Governed by Tennessee Consumer Finance Act (Tenn. Code Ann. § 45-1-201 et seq.). Lenders must disclose all terms including finance charges, payment schedule, and total amount financed.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Speedy Cash offers 11 services including Payday loans up to $425, Lines of credit up to $4,000, Title loans up to $4,000 (vehicle secured), Check cashing, Money orders, and 6 more.
Speedy Cash has profile signals associated with Employed individuals with short-term cash needs before payday who prefer in-person application assistance, Vehicle owners needing larger emergency loans ($2,000-$4,000) willing to use car title as collateral, Consumers without bank accounts or credit access seeking check cashing and wire transfer services alongside lending.
Key strengths: Multiple loan products available ($425 payday loans, $4,000 lines of credit, $4,000 title loans) providing flexibility for different borrowing amounts; Nine store locations across Memphis area providing physical accessibility and in-person service for customers who prefer face-to-face interaction; Extended weekday hours (9am-7pm Monday and Friday) accommodate working individuals unable to visit during standard business hours. Areas to consider: Specific APR, interest rates, and fee information not disclosed on website, making cost comparison and transparency difficult; Maximum payday loan of $425 is low and may not cover larger emergency expenses.
In the Emergency Cash category, comparable providers include Advantage Credit Counseling Service, Blue Gate Capital, Jerry's Jewelry & Loans. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
Speedy Cash serves customers in 4 states including Tennessee, Arizona, Texas, California.
CreditDoc Profile Note
Speedy Cash is profile signals for employed individuals in the Memphis area with short-term cash needs who have either stable income (for payday loans) or vehicle collateral (for title loans) and prefer in-person service. The primary caveat is that specific pricing, APR, and total cost information are not disclosed on their website, making it impossible to assess whether these loans are competitively priced compared to credit unions, payday alternative loans, or other emergency lending options—and given the regulatory restrictions noted, costs are likely higher in listed context than traditional lending.
Non-profit credit counseling agency offering free debt management, bankruptcy, and housing counseling services. NFCC member with 50+ years serving 400,000+ clients.
Google rating from 61 reviews
Profile signals: Individuals with multiple credit card and unsecured debts seeking structured repayment guidance, First-time homebuyers or homeowners seeking foreclosure prevention counseling
Blue Gate Capital is a private money lender specializing in asset-based lending for real estate investors, offering fast capital for fix-and-flip, bridge, and rental property loans.
Google rating from 143 reviews
Profile signals: Real estate investors with identified fix-and-flip or bridge loan deals requiring rapid capital deployment, Rental property investors seeking DSCR or portfolio loans outside traditional mortgage underwriting
Family-owned pawn shop in Lynnwood, WA since 1964 specializing in jewelry sales and collateral-based loans with a 96% customer satisfaction rating.
Google rating from 57 reviews
Profile signals: Lynnwood-area residents needing quick collateral-based loans without extensive credit checks, Customers seeking to sell or trade quality jewelry or other valuable items for short-term cash access
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
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.
Lenders are required to 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 lower-cost 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.
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.
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.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
The Military Lending Act protects active-duty servicemembers and their families from high-cost 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.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
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.
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.
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.
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.
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.
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.'
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.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
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 may only be required to repay the principal — no interest or fees.
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.
Cash advances are a repeat-borrowing risk: 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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