Serving Twin Falls and the surrounding areas

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What is a payday advance loan?


With a payday advance, we provide you with short-term cash until your payday. You can choose payday advances to cover unexpected expenses while avoiding costly bounced-check fees and late payment penalties from your bank. With Cash Now & Auto Sales, you can apply for a payday loan online, then have up to $1,000 electronically deposited to your checking account within 15 minutes.


How do I apply for a loan?


It's easy. Just call us at 208-410-6080 to be pre-approved for a loan. We will fax you an application.


What do I need to be approved for a payday loan?


If you meet the following requirements, you will be approved for a payday loan:


•  Income of at least $1,000 per month.

•  Spent at least 8 months employed at your current job.

•  Have an active checking account.

•  No pay garnishments including child support.

•  You must be at least 18 years old.


What if I have bad credit?


Bad credit will not prevent you from receiving a payday loan. The friendly managers at Cash Now & Auto Sales will work with you, even when other lenders turn their back on you.


How much cash can I receive?


You can apply for loans from $50.00 to $10,000.00.


When will I receive my payday loan?


Your application will be processed within 10 minutes. As soon as you are approved, you will receive your cash. Or we will deposit your cash into your checking account within 15 minutes. Once you receive the loan, we will schedule your repayment dates. Now you won't have to worry about bounced checks or missed deadlines.


When will my loan be due?


Your due date will normally be your next payday. That could be between 4 and 17 days.


Can I refinance or extend my loan past the due date?


Yes. You may simply refinance a loan by contacting us at least 24 hours before your due date.


Once I have paid off a loan, do I have to wait to apply for another loan?


No, there is no waiting period to apply for another loan. If your loan is paid in full today, you can apply for another loan today. Just provide proof that the payment has cleared your account. We can then deposit the requested funds into your checking account. The funds will be available immediately.


What if my loan goes into default?


If your loan goes into default, Cash Now & Auto Sales will collect your debt in a professional, fair and lawful way. You will be charged a one-time $20 fee for checks or electronic transactions that are returned unpaid. Additional interest will not accrue after default. We'll inform you about the default by phone and mail to ask for payment in full. Also, we may make reasonable repayment arrangements with you. If the loan remains unpaid, we may file a claim with the small claims court and obtain a judgment. This will negatively affect your credit. Filing a claim is always the last resort and is only filed when all other attempts to collect have failed.


Customer Notice: Payday loans should be used for short-term financial needs only. It is not a long-term financial answer. Customers with credit difficulties should seek credit counseling. Speedy Loans follows the best practices as published by the Community Financial Services Association (CFSA).