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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Cash Express


About lender

Cash Express, LLC was established in 1995. The company's headquarters are ‌in Cookeville, Tennessee.

Cash Express offers financial services, including flex loans, payday loans, installment loans, pawn loans, and title loans. Also, the service cashes all types of checks and buys gold and jewelry. Cash Express exclusively originates loans and makes credit transactions at its authorized shop locations. Thus, Cash Express does not accept or process credit transactions online.

Cash Express Stores are registered in the eastern United States in Tennessee, Kentucky, Alabama, and Mississippi. To find out whether there are any Cash Express Stores near, enter the company's website and find the store locator section.

Pros and cons


  • Cash Express application procedures are easy and fast

  • There is an opportunity to choose from different ‌loans

  • It isn't difficult to qualify.


  • Unavailability of information. Customers can not find out the conditions of Cash Express services without consulting their workers.

  • Cash Express customers complained about charging fees and penalties they didn't expect.

  • Problems with contacting the lender. Some of the customers suspect their personal data of being transmitted to third-party services.

Terms and conditions

The lender does not provide customers with important loan details, such as interest rates, repayment conditions, and the amount of fees and penalties online. A borrower can only address the Cash Express Store or call their office to find out the information required. Thus, be attentive and read the whole loan agreement carefully before signing it.

As it has already been mentioned, Cash Express, LLC offers seven different types of financial services, including flex loans, payday loans, installment loans, title loans, check cashing, pawn loans, and cash for gold. Here are the main terms and conditions of each of these services explained:

Payday loans

A payday loan is a high-cost loan for a short period‌. Sometimes loan terms are as little as two weeks. To get a payday loan, you hand over a personal check to the lender for the amount you want to borrow, plus the fee charged by the lender. The lender gives you the cash minus the amount of the charge. On your next payday, pay the lender the amount you borrowed, plus the fee, in cash.

The lender does not disclose the interest on its payday loans, but payday loan companies are not allowed to charge fees that are greater than 15% of the face value of the payback check under Tennessee law.

Flex loans

People usually apply for flex loans to pay unforeseen expenses, such as unexpected medical bills, car repairs, moving expenses, or any other. Flex loans are typically small-dollar loans ‌borrowers can repay on a flexible schedule.

Flex loans work like lines of credit; in fact, think of a flex loan as a credit card that offers long-term installment payments and open lines of credit. The money borrowed is available. It can be used partly or in the full amount. All the customer has to do is call Cash Express, consult a lender, find out how much money he qualifies for, and then use the money as needed.

An open credit line of Cash Express, known as a Flex loan, enables customers to borrow up to $4,000 and pay interest only for the time that they keep the money they borrow.

Flex Loans are not available in all US states. You can find out whether it is possible to take out a Flex Loan in your state using a store locator.

Title loans

A title loan is secured, similar to a payday loan. It is a small loan for a short period – usually for 30 days. In exchange for the loan, you give the lender the title to your car until you pay off the loan in full. And if you don't pay, the lender can repossess the vehicle.

Despite the main pack of documents similar to other Cash Express loans, the borrower should bring a clear title, an extra set of car keys, vehicle registration, and the car itself.

Check cashing

Check cashing in Cash Express is easy and fast. The company cashes all types of checks, from payroll and insurance checks to money orders and student loan checks. To cash a check in Cash Express, just bring it and attach a government-issued photo ID.

The organization does not disclose the list of its fees, but it operates under state law. Fees vary depending on the type of check cashed.

Pawn loans

Cash Express accepts almost any type of item of value as a backup for a short-term loan. When you take something there, the lender evaluates its condition and offers you the equivalent of a certain percentage of the value. Then, you have a short period to repay the loan with interest.


How do I receive money from Cash Express?

Go to the Cash Express store or call the office to discuss it and choose the most convenient option for receiving money.

What bank is Cash Express?

Cash Express is a non-bank small-dollar lender. 

What is the interest rate on Cash Express?

To find out your individual interest rate and loan details, go to one of the Cash Express stores near or call the Cash Express office. 

Company documents

Privacy Policy
Terms and Conditions

Let us help you find the right service to fit your needs.

© Cash Express

Calculate loan payments in Cash Express

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What to focus on before applying for a loan with Cash Express

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Cash Express and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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