Loans $500–$350K
Funds in 24 Hours
Bad Credit OK. We verify income, not just history. Plus, get Free Credit Restoration with every funded loan.
Est. Monthly Payment
$998
Rate (APR)
6.99% - 35.99%
Flexible Options for Every Need
Debt Consolidation
Combine high-interest cards into one manageable payment.
Lower your total APR Simplify to 1 due date
Emergency Funds
Unexpected expenses? Medical bills? Car repairs? We cover it.
Funding in 24 hours No prepayment penalties
Why Speedy Lending?
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No Hard Pull Pre-Approval
Checking your rate will not affect your credit score. We only do a hard pull if you accept the loan.
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Free Credit Restoration
While you pay off your loan, our team works to remove negative items from your report for free.
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Credit Building
We report your on-time payments to all 3 major bureaus to boost your score fast.
James T.
Consolidated $45k Debt
"I was drowning in 24% APR card debt. Speedy consolidated it all into one payment at 9%. I saved $600 a month immediately."
Real Borrower Stories
"The 24 hour funding is real. I applied at 9am and had the money in my Wells Fargo account the next morning."
Amanda L.
"My credit score was 580. Everyone denied me except Speedy. They looked at my job income, not just my score."
David K.
"No prepayment penalty was huge for me. I paid the loan off 2 years early and saved a ton on interest."
Sarah J.
Eligibility & FAQ
Basic Requirements
18+ Years Old Valid US Bank Account Steady Income Source No Active Bankruptcy Bad Credit is OK
What documents do I need?
Usually just a government ID and proof of income (pay stub or bank statement).
How fast is the funding?
If approved by 2pm EST, funds are typically deposited the next business day.
Can I pay off early?
Yes! There are zero prepayment penalties. You only pay interest for the time you borrow.