Is Speedy Cash licensed to operate

United States → Speedy Cash operates as a licensed lender in multiple states. However, licensing requirements vary by state, and the interest rates they charge may exceed what is legal in your jurisdiction.

United Kingdom → Speedy Cash Limited is a registered company, but you MUST verify their FCA authorization independently.

Canada → Speedy Cash operates under the Cash Money brand in Canada.

Nigeria → SPEEDY CASH IS NOT LICENSED TO OPERATE IN NIGERIA. Any app using this name or a similar name (like "Speedy Choice") is operating illegally and has been blacklisted by the CBN .

YOUR RIGHTS Regardless of Licensing Status

Whether a lender is licensed or not, YOU HAVE RIGHTS. Here is what you must know and exercise:

Right #1: The Right to Be Free From Harassment

No lender, licensed or not, has the right to call you 20 times a day, threaten you, or contact your employer or family about your debt.

Right #2: The Right to Written Verification

You have the right to receive a written verification of any debt claimed against you, including the original amount, interest charged, and fees added.

Right #3: The Right to Dispute

If you believe a debt is incorrect, you have the right to dispute it in writing and demand proof.

Right #4: The Right to Privacy

No lender has the right to access your phone contacts, photos, or personal data without your explicit, informed consent.

Right #5: The Right to Legal Recourse

If a lender violates your rights, you have the right to report them to relevant authorities (CBN, FCCPC, police) and potentially sue them.

Right #6: The Right to Negotiate

You have the right to negotiate repayment terms that are realistic for your financial situation.

Right #7: The Right to Cease Communication

You have the right to send a cease and desist letter demanding that a lender stops contacting you, except for specific legal notifications.

🚨 Remember: Just because a lender claims you owe money does not mean they can break the law to collect it. Exercise your rights.