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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 Store's pay off


Repayment of loan

Payment terms depend on the type of services you take out. The installment loan will need to be repaid in monthly installments. Cash advances are paid in one installment on the due date: you have 14 days for it. Title loans are calculated based on the value of your car and are repaid in monthly installments.

You can repay the loan in cash at the Cash Store cash desk: this is the only option, so you can not make any payments online. Installment loans and title loans are repaid in monthly installments, while the advance loan is repaid in one payment. Do not miss the dates of mandatory payments that are specified in the contract. If you need to make payments every month, then the deadline for the monthly payment can be found in the contract. In addition, the store manager will call you the day before and remind you of the need to make a payment.

Early Payoff

With Cash Store you can improve your financial situation only temporarily. A very attractive feature of Cash Store is that it does not charge any penalties for early repayment of the loan. The main thing is not to miss the deadline for the payment. You can pay off your loan early to hoping it would improve your credit. If you want to pay back the loan in advance, then you can simply deposit money at the store's cashier.


What happens if you don't pay at the Cash Store?

If you cannot make your loan payments on time, the lender will charge penalties (up to $30, depending on the state regulations). Besides, such delays will affect your credit history and spoil your credit score, which might make it hard to get other loans in the future. Cash Store will report to the credit bureau on all delayed payments.

Will the Cash Store sue you?

If you do not return the loan, the Cash Store will have grounds for suing you. There are several cases related to Cash Store suing their borrowers, with the latest one related to November 2021.

Financial products

Cash Store
Personal loan
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.

Recommended FinScore™

Effective interest rate on the product

up to 780%

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

Enter the desired loan amount

500 $
25000 $
Loan term

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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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All Cash Store’s reviews by September 2022
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