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Texas Payday Loans

Cash Advances up to $3,000*

A cash advance (also known as a payday loan) is a fast, easy way to get up to $3,000. At the Cash Store we help you get the cash you need and the respect you deserve – all with competitive terms, high approval rates, and no credit required. And unlike many competitors, all of our loan options give you cash or check in hand the same day – no overnight wait.


No Credit Check

It's Quick and Easy

Typically, a first-time customer can walk out of any Cash Store location with cash or check in hand in less than 20 minutes*. Once you have established a Cash Store account, future transactions can be completed in under 5 minutes.

Walk In – Walk Out

See how much you could qualify to receive with our online form, then visit our store and walk out with cash or check in minutes.

No Credit Required

No credit history or score required. Our goal is to have the highest approval rates with the least amount of hassle.

Minimal Documentation

Find out how much you could get with our online form, then drop by any Cash Store location and bring along:

  • A recent paycheck stub or proof of income 
  • A recent checking account statement
  • A personal check or debit card from this account
  • A valid driver's license or state ID

That’s all it takes!


Cash Store has over 190 locations in Texas. Click here to find a store near you.

Installment Loans

The Cash Store also offers installment loans, which allow the borrower to make smaller, regular payments that are spread out over a longer period of time instead of one large loan repayment.

Just find out how much you could qualify to receive with our online form and decide on your loan type at the store!

They helped me figure out what a good amount of money was to loan from them. Other places would just try to make you pay a high rate on the loan. This company actually stopped to help me out. - Alan

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 loan lenders out there, we pay you cash money just minutes after we process your application!
The best way to know how much you could qualify for is by filling out our online form!  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! 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.
You can see up to how much you could be able to receive with our online form. Then, simply come in to quickly complete the process and get your cash at any one of our Cash Store locations.
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. Once you have a Cash Store account, future cash loan services can take as little as 5 minutes!
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.
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!
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.
You can see how much you could qualify to receive with our online 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!
The security of your identity is important to The Cash Store. That is why we request that you bring all required documentation to the store.

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 Illinois, 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
Utah - -
All states must also provide:  Most recent 30-day checking account statement Most recent statement associated with account
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
If you have any questions about the Cash Store that are not answered on this website, simply call 1-888-950-2274 1-888-950-2274 to speak with a knowledgeable professional at the Cash Store location nearest you!

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

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.

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.

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.
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.
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 1-888-950-2274 or visit your local store for details.
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.
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.

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 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.

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.

*Subject to loan approval. Loan terms and availability may vary by location. Cottonwood Financial uses a proprietary model to evaluate the credit worthiness of each applicant for credit. Vehicle is subject to evaluation for title loans. In Texas, the Cash Store is a Credit Services Organization and Credit Access Business; loans are provided by a non-affiliated third-party lender.

Approval rate based on completed applications received across all Cash Store locations. Individual store approval rates may be lower. Customers can typically expect to receive loan proceeds in less than 20 minutes; however, processing times vary by customer and transaction and are not guaranteed.