Why Should I Choose the Cash Store? 

Let’s face it: A financial emergency is a stressful situation. You’ve already got a lot going on in your life, and now you have to worry about how to pay for it, too. But there’s no shame in asking for help when you need it. Since 1996, the Cash Store has provided personal alternatives to payday loans to help good people, just like you, cover unexpected expenses. 

Our services include secured loans, such as title loans and auto equity loans, as well as personal loans without collateral, such as installment loans and cash advances. Services vary by state, so check with your local Cash Store to see what’s available where you live. 

Our Personal Loans are Fast, Easy, and Flexible. 

We want to help you resolve your financial issues, not add to them. With Cash Store, you can get the cash you need in as little as 20 minutes. No credit score or history required. Our clear rates and competitive terms lead to high approval rates and satisfied customers. Return customers benefit from an even faster loan process—under 5 minutes! We also have flexible repayment options and refinancing opportunities to help you succeed in paying off your loan. Find out how much you can get today with our loan calculators

We Have Alternatives to Payday Loans for Your Unique Funding Needs. 

Cash Store offers two main types of loans: secured and unsecured. Unsecured loans (also known as signature loans or personal loans) do not require a collateral. An example of collateral is a home for a mortgage loan or a car title for a title loan. We provide installment loans and cash advances, both of which do not require collateral. Because there is no collateral, unsecured loans may have a lower borrowing limit than loans with collateral. With one of our installment loans, you can borrow up to $3,000. * 

If you need to borrow more than $3,000* and have a clear vehicle title, you could consider a title loan instead. The maximum amount you could borrow for one of our title loans is up to $20,000. * In this case, the collateral for the loan is the vehicle’s title. Again, loan terms and availability vary by state. You can give us a call or stop by a Cash Store near you to find out which personalized loan option best suits your needs. Our team members are here to answer your questions so you can make a well-informed decision that you’re comfortable with. We are here for you every step of the way. 

Your Privacy is Important to Us. 

Our SSL-certified, encrypted website keeps your personal information strictly confidential. Our stores have personal shredders to shred all paperwork containing customer information before it goes into the trash. Your personal rights and privacy concerns are of the utmost importance to the Cash Store. We take every possible precaution to make sure that customer information is kept private and secure. You’re putting your trust in us, and we take that very seriously. 

We Love Our Customers. 

We treat our customers like family because you are the cornerstone of our business. You never know what someone is going through in their personal lives. We believe that everyone deserves to be treated kindly, with dignity and respect.  

Sometimes just seeing a friendly face can make a huge difference. People can do almost everything online these days, from ordering groceries to buying a car, with no human interaction. After a while, that can make you feel more like a number and less like a person. At Cash Store, we strive to really make a personal connection with our customers. After all, we’re people, too--and we are here to help. Find out how much you’re pre-approved for now.

Trusted provider of cash loans since 1996


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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. Each applicant for credit is evaluated for creditworthiness. 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. Please see the Licenses and Rates page for links to Consumer Disclosures and choose the one for the product and amount that most closely relates to your loan request.

Customer Portal residency restrictions apply. Availability of funds may vary by financial institution.