Frequently Asked Questions (FAQ)

We invite you take a look below at the list of our most frequently asked questions. Read our comments under each FAQ section for some good information about specific cash loan options. If you still have questions about our services after reading through our FAQs, simply give us a call at 888-950-2274. We’re here to help!

For answers to frequently asked questions on cash advances, payday loans, installment loans.

For answers to frequently asked questions on title loans.

  • Why should I choose the Cash Store?

    The Cash Store is here to help good people, just like you, get the fast cash they need today to cover expenses, pay the mortgage or cover unexpected fees. Whether for medical, personal, home or emergency expenses, the Cash Store has competitive terms and high approval rates, with absolutely NO credit score or history required to apply or qualify! And unlike many other payday loan lenders out there, we pay you cash money just minutes after we process your application!

  • How much can I get?

    By simply paying a quick visit to your local Cash Store, you can get up to $3,000* cash with a cash advance or installment loan — or up to $25,000* with a title loan — almost instantly! You can also use our easy payday loan calculator to estimate in an instant how much cash you can expect to take home today! For car title loans, your final loan approval amount will be determined by the value of your vehicle. Loan amounts are also subject to state regulations. Some restrictions apply. See your local Cash Store for details on each specific cash loan offer, including interest rates and required personal information.

  • How does it work?
    Our secure online loan application form is a quick, easy and convenient process that gives you a head start on your cash advance! Plus, your Internet application is free! Then, simply come in to quickly complete the process and get your cash at any one of our Cash Store locations.
  • How long will it take?
    Typically, for a first-time Cash Store customer, our experienced managers can have you out the door with cash in-hand in less than 20 minutes — a short process that’s even faster when you begin by filling out our easy, secure online loan application form. Once you have a Cash Store account, future cash loan services can take as little as 5 minutes!
  • Will I get a fair deal?

    Yes! We want to help you get a fair deal — even if you have bad debt, no credit score or no credit history. Your interest rate will be set by market rates and key industry regulations, while your fees and terms will be determined by which cash loan option you choose and the actual amount of your cash advance. Our mission is to have highly competitive services and helpful alternatives to other, more costly loan options.

  • Is my credit score needed?

    No, the Cash Store does not require a credit score to apply for any cash advance, title loan or installment loan. Our top goal is to have the highest loan approval rates with the least amount of hassle!!

  • Will my information be kept private?
    Absolutely. Your personal rights and privacy concerns are always top of mind at the Cash Store. Throughout the process, our security measures will keep your information strictly confidential. For more details, review our complete privacy policy.
  • Can I complete the whole cash loan process on your website?
    You can get a head start on your personal loan application by using our secure, online loan application form. All Cash Store services must be completed in person at one of our Cash Store Locations — allowing you to walk out with cash in-hand within minutes!
  • Where can I get more information?

    If you have any questions about the Cash Store that are not answered on this website, simply call 1-888-950-2274 to speak with a knowledgeable professional at the Cash Store location nearest you!

  • Where can I find my Checking Account Number?

     

    Find Your Bank Routing Number

    Look at the bottom edge of your check. Starting at the far left side of your check, the first group of 9 numbers is your Bank Routing Number. This number is always 9 digits long.

    Routing Number

    Find Your Check Number

    At the bottom edge of your check, locate the string of numbers that matches the Check Number in the upper right-hand corner of your check. This number is usually 4 digits long, and may include a zero as the first digit.

     

    Find Your Account Number

    The remaining group of numbers — those that are neither the Bank Routing Number nor the Check Number — is your Account Number. NOTE: If there are extra zeroes at the beginning or end of your account number, be sure to include them as part of your Account Number.

    Account Number

  • Can I update the kind of information I receive from The Cash Store?

    Yes! Just update your contact preferences to subscribe or unsubscribe to email or postal mail notifications regarding your Cash Store account or news about Cash Store products, services, special offers and store openings. You can update your personal contact preferences at any time.

  • What are the implications of late payment or non-payment?

    If a customer has chosen to provide us with a check or an electronic debit authorization, and a scheduled payment is not received we will attempt to make a payment for the customer by debiting their bank account or depositing their check. If the check or debit is returned unpaid, we may assess a returned item fee of up to $30 if permitted by state law. The customer may also incur a fee from their bank. We will then attempt to contact the customer in order to make alternate payment arrangements. The customer may also incur additional finance charges.

    If a loan is secured by the title to a motor vehicle, the customer may be subject to their vehicle being repossessed. The customer may also be charged a late payment fee and incur additional finance charges.

  • What are your collection practices?
    While we prefer to work with our customers to make alternate payment arrangements, we collect past due accounts in a professional, fair and lawful manner in accordance with the Fair Debt Collection Practices Act and all other applicable state and federal laws and regulations.
  • What is your Policy on Responsible Lending?
    We endeavor to provide credit in accordance with applicable laws and only when we have formed a reasonable belief that the loan will be repaid. We believe that our customers are best suited to make their own financial decisions.
  • What is your Renewal Policy?
    If applicable law permits it, customers may apply to renew or extend their loan. We believe that our customers are best suited to make their own financial decisions. However, we include reminders in our customer agreements and in-store signage that our products are not intended for long-term use. Renewal fees and charges vary by location and loan type. Please call 1-888-950-2274 or visit your local store for details.
  • What is the potential impact to my credit score?
    Non-payment could affect your ability to obtain future loans with us or other lenders, depending on the credit reporting companies and scores used by each lender to grant credit.
  • What is the APR for Cash Store loans?
    Annual Percentage Rate (APR)
    Cash Advance Installment Loan Title Loan
    Idaho 521.43% 401.50 - 780% 304.17 - 365%
    Illinois 404.11% 403% 325 - 390%
    Michigan 330.24 - 391.07% - -
    New Mexico - 520.04 - 780% 304.17 - 365%
    Texas 585.56% 581.76% 286.42 - 432.03%
    Utah - 401.50 - 780% 304.17 - 365%
    Wisconsin - 401.50 - 650.02% 325 - 390.01%
  • What documents are accepted as proof of income?
    Acceptable proof of income includes a recent paycheck stub, Social Security benefits or Pension benefits (statement of benefits or a bank statement showing direct deposit), and child support (payment stub from a distributing agency or a bank statement showing direct deposit).
  • Why do we show APR?

    APR is Annual Percentage Rate. Most of our products have terms much shorter than a year so APR is not necessarily an accurate reflection of the interest rate you will pay. At Cash Store we are state licensed and regulated, and we follow regulations very closely, which include disclosing a calculated APR for our loans.

    Example of APR calculation: If you borrow $100 for 14 days from Cash Store, you pay a total of $22.50, or 22.5%, in fees. 22.5% is the per-period interest rate. To calculate the APR in this example, you would have to multiply 22.5 by 26 (26 is the number of 14-day periods in a year): 22.5 * 26 = ~585% APR.

    By paying back your loan on time, as the Cash Store encourages you to do, your loan fees will likely be cheaper than the costs of a bounced check, overdraft fees, a missed credit card payment or a neglected bill.

  • Is there a penalty for paying off my loan early?
    No. You can pay off your loan at any time. To see how an early payoff will affect your interest rate, please refer to your loan documents or contact us for assistance.
For any questions, please call