Background
The Cash Store, a Cottonwood Financial brand, is one of the largest privately held retail consumer finance companies in the United States. Founded in 1996 and headquartered in Irving, Texas, The Cash Store specializes in providing best-in-class customer service and a mix of financial products, including cash advances, installment loans, and title loans. The company operates both online and through over 340 company-owned retail locations, with a strong presence in several states.
History
Since its founding in 1996, The Cash Store has grown rapidly, establishing itself as a reputable emergency lender for short-term financial needs. The company is known for its innovative approach to consumer lending, offering same-day funding and requiring no credit history or credit checks for loan approval. Over the years, The Cash Store has expanded its services and geographic reach, serving thousands of customers in need of quick cash solutions.
Types of Loans and Fees Charged
Cash Advances: Short-term loans designed to be paid back in a single payment on the borrower’s next payday. Loan amounts up to $5,000.
Installment Loans: Longer-term loans with monthly repayments, available up to $5,000. Example: A $500, 217-day installment loan with automatic debit authorization has an APR of 388.55%.
Title Loans: Loans secured by the borrower’s vehicle title, with amounts up to $25,000, repaid on a monthly basis.
Prepaid Bank Cards: The Cash Store also offers prepaid bank cards for use as an alternative to cash, which are not credit cards and carry no credit line.
Fees & APRs: APRs for installment loans can be as high as 780%, and all rates and fees are disclosed during the application process. There are no early payment penalties.
Locations
The Cash Store operates more than 340 company-owned retail locations and also provides online services. Its retail footprint includes:
Idaho
Utah
Texas
Illinois
Michigan
Wisconsin
New Mexico
States Where Loans Are Offered and Not Offered
Available States: Idaho, Utah, Texas, Illinois, Michigan, Wisconsin, and New Mexico.
Unavailable States: The Cash Store does not operate outside the seven states listed above.
How to Contact The Cash Store
Toll-Free Customer Service: (866) 506-5035
Corporate Office: 600 E Ben White Blvd Ste 400, Austin, TX 78704, United States
Additional Phone Numbers:
(888) 950-2274 (General)
(972) 753-0822 (Corporate, Irving, TX)
State-specific branch numbers available on the company website
Website: www.cashstore.com
Business Hours: Monday–Friday: 10:00 AM – 6:00 PM; Saturday: 10:00 AM – 2:00 PM; Closed Sunday
Applicants can start their loan application online and complete the process at a local Cash Store branch, often receiving funds the same day.
