Important Disclosures: Cottonwood Financial offers consumer credit products that are generally short-term in nature and not intended for long-term borrowing needs. In Texas, the Cash Store is a Credit Services Organization and Credit Access Business. Loans are provided by a non-affiliated third-party lender. Loans / Advances are provided based on approved credit. Cottonwood Financial uses a proprietary model to evaluate the credit worthiness of each applicant for credit. Loan Amount is subject to loan approval. Vehicle is subject to evaluation for title loans. Customers can typically expect to receive loan proceeds in less than 20 minutes; however, processing times may vary.