FAQs - General

General

Why should I choose Cash Store?

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, 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 loan lenders out there, we pay you cash money just minutes after we process your application!

How much can I get?

By simply making a quick visit to your local Cash Store, you can get up to $5,000* cash with a cash advance or installment loan — or up to $25,000* with a title loan — almost instantly! You can also apply online to see 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.

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.

Will my information be kept private?

Absolutely. Your personal rights and privacy concerns are always top of mind at Cash Store. Throughout the process, our security measures will keep your information strictly confidential. For more details, review our complete privacy policy.

Where can I get more information?

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

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 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.

Process

How does it work?

Our secure online loan application form is quick, easy, convenient, and gives you a head start on your cash advance, installment loan or title loan! Once you've completed your online application, simply come in to quickly complete the process and get your cash at any one of our Cash Store locations.

I’ve had a loan with the Cash Store before, can I apply for a new loan online?

If you have paid off a loan with Cash Store, you can take out a new loan in store at any Cash Store location. Click here to see our store locator for store hours and locations.

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!

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 renewal policy?

If applicable law permits it, customers may apply to renew 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 APR for Cash Store loans?

Our loan rates, loan fees, and loan products vary from state to state according to local regulations. Please visit our Licenses and Rates page for more information.

Why do we show APR?

APR is Annual Percentage Rate. At Cash Store, we are state licensed and regulated, and we follow all applicable regulations, which include disclosing a calculated APR for our loans.

By paying back your loan on time, as 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.

Requirements

Is my credit score needed?

No, 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!

Can I fax or email the required documents before coming to the store?

The security of your identity is important to Cash Store. That is why we request that you bring all required documentation to the store.

What if I don’t have a personal check?

To obtain a cash advance or installment loan, we require you to bring a personal check associated with your checking account. If you do not have a personal check and you live in New Mexico, Texas, or Wisconsin, we will also accept a debit card associated with your checking account or a prepaid, reloadable debit card provided by your employer.

What are the acceptable forms of collateral? 
Personal Check     Debit Card    Payroll Card
Idaho--
Michigan--
New Mexico
Texas
Wisconsin
All states must also provide:Most recent 30-day checking account statementMost recent statement associated with account
What if I only have a payroll card?

A payroll card - a prepaid reloadable debit card that is provided by an employer as a paycheck - is acceptable in place of a debit card or blank personal check. You will still need to provide:

  1. Your driver's license or state-issued ID card
  2. Your most recent paycheck stub and
  3. Your most recent account statement associated with your payroll card
Where can I find my checking account and routing 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 example

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 example

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 and a bank statement showing direct deposit)
  • Child support (payment stub from a distributing agency or a bank statement showing direct deposit)

How Much Can I Get?

Fill out our short form to see how much money you are pre-qualified to receive. Checking your amount will not affect your credit score.

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*Loan Amount is subject to loan approval. Loan terms and availability may vary by location.  Approval rate based on complete applications received across all Cash Store locations. Customers can typically expect to receive loan proceeds in less than 20 minutes; however, processing times may vary.

Loans / Advances are provided based on approved credit. Cottonwood Financial uses a proprietary model to evaluate the creditworthiness of each applicant for credit. Vehicle is subject to evaluation for title/auto equity loans. Please see the Licenses and Rates page for additional product details.

Cottonwood Financial offers consumer credit products that are generally short-term in nature and not intended for long-term borrowing needs. In Texas, Cash Store is a Credit Services Organization and Credit Access Business. Loans are provided by a non-affiliated third-party lender. 

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