Speedy Cash can easily get you in a vicious cycle of borrowing over and over again. If you need a small amount of money (100 dollars or less) to meet a deadline, purchase something while it's 'hot', or to stop a check from bouncing, then Speedy is highly recommended - because once you are approved and get a gold card, you are literally in and out of the place with cash in hand. However, if you are already bad with managing your money and take out large loans - those fees add up (15 dollars per hundred borrowed) and you're out a whopping sum when the due date comes up. Most likely, you'll end up coming back to borrow another large amount because of the substantial setback. This is how they keep you hooked and how they make their money. Just be careful.