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Lender
Rating by Finanso®
i

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.

Apply for a Cash Store's loan

Finanso.Multilogin™

How to apply

Loan Requirements

Cash Store has the following requirements for borrowers:

  • Age of at least 18 years old;

  • Permanent residence in the state where there is a branch of the store;

  • Permanent source of income;

  • Availability of an identification document;

  • You have an active account on the Cash Store website.

Besides, you can have a co-signer, like your family member or associate, to increase your approval chances.

To apply for Cash Store's services, you can visit their site and sign up. Once you enter all your details, the site will tell you an approximate amount of your pre-approved loan that you can receive at the store's office. The company does not publish complete and transparent information about their services on the website because they provide each client with individual conditions.

Application Review

You can receive a decision on your application from the branch manager. This information is not displayed in the user's personal account on the Cash Store website. For more information, you can call and speak with the company's employees or visit a store in person.

Applying for a Loan

Getting a loan from Cash Store comprises two steps:

  • Online application and paperwork on the site;

  • Getting cash in one of the departments of the store.

You can apply for any of their services on the site. For this, you need to have an active account.

If the website does not work properly, or you are against putting your personal details via online forms, you can always find the Cash Store office and do everything on the spot.

Go to the Cash Store website, fill out the form, collect all the necessary documents (proof of your residence, employment, paychecks, a car registration license for a title loan) and visit the Cash Store office. Most applications are processed very quickly, with funds issued the same day.

FAQ

What credit score do you need for the Cash Store?

Cash Store loans do not require a credit check, so anyone who lives and works in the same state where they intend to get a loan can apply.

What are the requirements for a Cash Store?

To qualify for a loan, you should be at least 18 years of age, have a permanent residence, and have a workplace where you have worked for at least 90 days at the time of application.

How long does it take a Cash Store to deposit?

Typically, applications are reviewed within 20 minutes. As soon as you get a decision, you will immediately be able to receive your fund at the cash desk of the store. Usually, the loan is issued on the day of the application.

Financial products

Cash Store
Personal loan
Rating by Finanso®
i

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.

Recommended FinScore™
0
300
650
1000
$500-$25,000
Rate
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Effective interest rate on the product

up to 780%
Term
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Loan term for the financial product

up to 7 months

Calculate loan payments in Cash Store

Cash Store calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount
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Enter the desired loan amount

USD
USD
500 $
25000 $
Loan term
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Specify the loan term for the calculation

months
days
1
7

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

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 Store 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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