Information
About Lender
Cash Store has been providing cash loans with great terms and high approval rates since 1996. They have over 250 locations in 4 states. The company is a trusted alternative to payday loans. They help more people and have a 90% approval rate. Clients get their cash fast – sometimes in as little as 20 minutes for repeat customers – because they are committed to customer satisfaction and reliability.
Cash Store offers several loan products to fit your financial needs: Installment Loans, Cash Advances, Title Loans, and Auto Equity Loans. These loans offer flexible solutions: single payment loans for emergencies, installment loans for longer terms, or using your vehicle as collateral for higher loan amounts. Each loan is designed to provide practical and timely financial help so you can get the cash you need on terms that work for you.
Key Features
Quick and Easy Application. The Cash Store loan application is quick and easy. You can apply online, over the phone or in person at one of the locations.
No Credit Check. The lender doesn’t do credit checks. This is great for people with bad credit or no credit at all.
Flexible Payment Options. The company offers flexible payment options so you can choose a payment plan that works for you. You can pay in person, online or over the phone.
Same Day Funding. Once approved you can get your cash the same day. This is great for people who need cash fast.
High Interest Rates. Cash Store loans have high interest rates. You will pay back more than you borrowed. Be sure to understand the cost of borrowing before you borrow.
Pros and Cons
Pros
90% Approval Rate. Cash Store has a 90% approval rate so more people can get the cash they need.
Multiple Loan Products. Offers Installment Loans, Cash Advances, Title Loans, and Auto Equity Loans to fit your financial needs.
Fast Cash Access. For the repeat customers they offer cash in as little as 20 minutes so you can get cash when you need it.
Friendly Service. Cash Store puts customer safety first so every customer is treated with respect and given clear and concise information so you have a positive experience.
Convenience. Online application saves time and you can pick up cash the same day at one of the locations.
Loyalty Perks. Repeat customers in good standing are pre-approved for their next loan so the process is even easier for repeat borrowers.
Cons
Limited Locations. Only available in a few states (Idaho, Texas, Wisconsin) so not available for people outside those areas.
Interest Rates and Fees. Cash loans like Cash Store loans have high interest rates and fees compared to traditional bank loans.
Collateral for Higher Loans. Title Loans and Auto Equity Loans require your vehicle as collateral which can be a risk if you can’t pay back the loan.
Debt Cycle. The convenience of cash loans can lead to a debt cycle for people who use them for recurring financial needs.
Documentation and Physical Presence. Although they have an online application process you will need to gather required documents and visit one of the locations to get your cash which may not be convenient for everyone.
Reliability
Regulation. Cash Store operates in states where it’s licensed to do so. Make sure Cash Store is licensed in your state and follows state regulations.
Reputation. A lender’s reputation is a good indicator of their reliability. You can check online reviews, ratings and feedback from previous customers to see what others have to say about Cash Store.
Established Business. This lender has been offering cash loans with competitive terms since 1996, over 2 decades in the financial services industry.
Low Rates. Cash Store has only 2,5 on Trustpilot.
How to Apply for a Cash Store Loan?
Visit the Website. Start by going to Cash Store's official website. Browse through the available loan options such as Installment Loans, Cash Advances, Title Loans, and Auto Equity Loans. Select the one that best suits your needs.
Pre-Qualify Online. Click on the "Pre-Qualify Now" button associated with your chosen loan type to begin the application process.
Complete the Application Form. Fill out the short, secure online application form with your personal, employment, and financial information as prompted.
Gather Required Documents. Prepare the necessary documents which may include a valid government-issued ID, proof of income, bank statements, and proof of residency, among others.
Visit a Cash Store Location. After completing the online pre-qualification, locate the nearest Cash Store branch using the "Locations" feature on the website and bring your required documents with you.
Finalize the Loan Process. At the Cash Store location, a staff member will assist you with the remaining steps, including document verification and final loan approval.
Receive Your Cash. Once approved, you'll be able to pick up your cash the very same day, ensuring you have immediate access to the funds you need.
Conditions and Requirements
Conditions
Loan Amounts. Cash Store offers personal loans from $500 to $3,000. Title loans up to $25,000 and auto equity loans up to $20,000.
APR. APR for Cash Store loans up to 825.35%.
Loan Terms. Loan terms up to 7 months.
Requirements
18 Years Old or Older. Applicant must be 18 years or older to apply.
Permanent Residence. Applicant must have a permanent residence in a state where they have a location, Idaho, Texas or Wisconsin.
Source of Income. Stable and verifiable source of income required.
Identification. Applicant must have a valid ID.
Ways to Receive the Money At Cash Store, customers have a quick and easy way to get their cash. Once approved, which can be the same day, customers can pick up their cash at any Cash Store location. This is a fast process so you can get the cash you need without the wait. Returning customers in good standing may get even faster service and can get their cash in as little as 20 minutes. They designed the process to get you the cash when you need it most, that’s their commitment to you and your convenience. Products Cash Advances. Payday loans are short term loans that are due on your next payday. Cash Store offers payday loans depending on your state and income. Installment Loans. Installment loans allow you to borrow more money and pay it back in smaller, more manageable installments. Cash Store offers installment loans depending on your state and income. Title Loans. Title loans allow you to borrow money using your car as collateral. Cash Store offers title loans based on your car’s value and income. Other Personal Loans Discover the Best Personal Loans Available Online Your Guide to Loans with Bad Credit Understanding No-Credit Loans: How Do They Work? Understanding Starter Loans: A Guide for Beginners Unlocking the Mysteries of First-Time Loans Understanding the Power of a Line of Credit Easy and Quick Online Loans Applications Your Comprehensive Online Line of Credit Resource Reasons for Loan Refusal
In the lending industry it’s common for applications to be declined due to factors such as insufficient income, missing documents, not meeting residency or age requirements, bad credit history or unable to provide collateral when required for secured loans like Title Loans and Auto Equity Loans. Cash Store has a high approval rate and offers many loan products so they likely review each application individually and consider the applicant’s ability to repay the loan among other things. Applicants should make sure they meet all the requirements and provide all necessary documents to increase their chances of approval.
How to Repay a Cash Store Loan?
To repay a loan from Cash Store, visit the cash desk and pay the amount in cash; they do not accept online payments. Repayment terms vary by loan type: installment and title loans are paid in monthly installments, advance loans are paid in one lump sum. Make sure to follow the repayment schedule in your contract and don’t miss any payment dates. Payment due dates are in your contract and the store manager will also call you the day before to remind you to pay on time.
Loans like Cash Store
OppLoans
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Rise Credit
RISE Credit is a reliable online lender that provides loans up to $5,000. They have a streamlined application procedure, allowing borrowers to have funds transferred to their accounts as early as the next business day. They present the flexibility of choosing a payment schedule that fits with the financial preferences of the customers, although some state-based restrictions might apply. A notable feature of RISE Credit is its 5-Day Risk-Free Guarantee, which permits borrowers to revoke their loan and return the principal with zero fees or interest within the given period. Additionally, RISE Credit grants customers complimentary access to their credit score and credit monitoring alerts through Credit Score Plus, offering valuable financial insight.
OneMain Financial
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Universal Credit
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Editorial Opinion
Cash Store is a trusted and convenient option for those who need cash now through various loan products including Installment Loans, Cash Advances, Title Loans and Auto Equity Loans. They have been in the financial services industry since 1996 and have a high approval rate and same day cash makes them committed to meeting your urgent needs. While the convenience and accessibility of Cash Store is great, borrowers should be cautious as short term loans come with high interest rates and fees and using personal assets as collateral. But products are short term not long term. Cash Store is a straightforward way to get the cash you need with customer focused service and support.
Important
Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.
How to Choose a Lender
Make sure to confirm whether the lender is licensed to operate in your state. You can verify this information with your state regulator or attorney general.
Check if the lender is a member of a reputable association, such as the Community Financial Services Association of America. Membership in such organizations may provide an extra level of reliability.
Carefully review all the terms and conditions of your payday loan contract.
Thoroughly examine the interest rates on payday loans and ensure that your contract includes a detailed breakdown of the total cost of the loan.
Take advantage of your right of rescission. Usually, you can rescind the loan within three days after signing the agreement. Alternatively, there is typically a "cooling-off" period, which allows you several days to thoroughly review the contract before making an informed decision to enter into a consumer loan agreement based on the terms specified by the lender.
Choosing a payday lender is a significant decision that demands careful consideration and a good understanding of how such organizations operate.
Additional Resources
- Full Cash Store Account Review
- How to Apply for a Cash Store Loan
- How to Repay a Cash Store Loan
- Cash Store Customer Reviews
- All Cash Store Coupons and Promo for May 2026
- Cash Store Loans for May 2026
Sources
More info
FAQ
How do you qualify for a Cash Store loan?
To qualify for a loan from Cash Store, you will typically need to meet certain eligibility requirements. These requirements may vary depending on the loan product you choose and the state in which you live. Generally, you will need to provide proof of a steady income, such as a pay stub or bank statement, and have a checking account in good standing. You will also need to provide a valid government-issued ID, such as a driver's license, and be at least 18 years of age. Additionally, your credit history may be taken into consideration, although Cash Store does not require a credit check to approve your loan. It's important to carefully review the eligibility requirements before applying for a loan to ensure that you meet the criteria and increase your chances of being approved.
How much can you borrow from Cash Store?
Cash Store offers short-term loans to individuals who need immediate cash. The maximum amount you can borrow from Cash Store depends on the loan product you choose and the state in which you live. Typically, Cash Store offers cash advances and installment loans up to $5,000 and title loans of up to $25,000, although the maximum loan amount may vary depending on your income and creditworthiness. It's important to carefully review the terms and conditions of the loan product you are considering to understand its loan amount, fees, and repayment terms. Additionally, it's a good idea to borrow only what you need. It can afford to repay on time to avoid additional fees and negative consequences such as damage to your credit score.
Does Cash Store approve everyone?
Cash Store does not approve everyone who applies for a loan. While Cash Store does not require a credit check to approve your loan, there are still eligibility requirements that you must meet. To be approved for a loan from Cash Store, you typically need to provide proof of a steady income, have a checking account in good standing, provide a valid government-issued ID, and be at least 18 years of age. Additionally, your credit history may be taken into consideration when you apply for a loan, although it is not the sole determining factor in the approval process. Your application may be denied if you do not meet the eligibility requirements or Cash Store determines that you cannot repay the loan. It's important to carefully review the eligibility requirements before applying for a loan to ensure that you meet the criteria and increase your chances of being approved.
Is Cash Store a good lender?
Whether Cash Store is a good lender depends on your financial situation and borrowing needs. Cash Store offers short-term loans to individuals who need immediate cash, and they do not require a credit check to approve your loan. This can be an advantage for individuals who have poor credit or no credit history. However, Cash Store loans typically come with high-interest rates, which means that you may end up paying back significantly more than you borrowed. It's important to consider the cost of borrowing before taking out a loan and to ensure that you can repay the loan on time. Additionally, the availability of Cash Store may be limited to only a few states in the US, so it may not be an option for individuals who live outside of those states. Cash Store can be a good option for individuals who need cash quickly and have poor credit. Still, it's important to consider the cost of borrowing carefully and to compare multiple lenders to find the option that best suits your needs.
- Information
- About Lender
- Key Features
- Pros and Cons
- How to Apply for a Cash Store Loan?
- Conditions and Requirements
- Ways to Receive the Money At Cash Store, customers have a quick and easy way to get their cash. Once approved, which can be the same day, customers can pick up their cash at any Cash Store location. This is a fast process so you can get the cash you need without the wait. Returning customers in good standing may get even faster service and can get their cash in as little as 20 minutes. They designed the process to get you the cash when you need it most, that’s their commitment to you and your convenience. Products Cash Advances. Payday loans are short term loans that are due on your next payday. Cash Store offers payday loans depending on your state and income. Installment Loans. Installment loans allow you to borrow more money and pay it back in smaller, more manageable installments. Cash Store offers installment loans depending on your state and income. Title Loans. Title loans allow you to borrow money using your car as collateral. Cash Store offers title loans based on your car’s value and income. Other Personal Loans Discover the Best Personal Loans Available Online Your Guide to Loans with Bad Credit Understanding No-Credit Loans: How Do They Work? Understanding Starter Loans: A Guide for Beginners Unlocking the Mysteries of First-Time Loans Understanding the Power of a Line of Credit Easy and Quick Online Loans Applications Your Comprehensive Online Line of Credit Resource Reasons for Loan Refusal
- How to Repay a Cash Store Loan?
- Loans like Cash Store
- Editorial Opinion
- More info
- FAQ
