Cash Store

Posted January 29, 2018 by JP in
Installment Loans Direct Lender*
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Founded in 1996, Cash Store is one of the largest privately-held consumer finance companies in the U.S.

Cash Store offers financial products and services at 340+ company-owned locations

Installment Loans

Cash Store is a reliable and reputable financial products and services provider and a direct lender. The company offers a variety of loan options, including Cash Advance, Installment Loans, and Title Loans. Cash Store has been in business since 1996; the company has grown rapidly and currently operates over 340 store locations in 5 states.

Cash Store has more than 20 years of experience helping customers with emergency cash loans for unexpected expenses, delivering excellent customer service, providing competitive rates and terms, quick approvals, and same-day funding.

Cash Store has over 340 store locations in the following states:- Idaho, Michigan, New Mexico, Texas, and Wisconsin.

Cash Store is committed to the people they serve. It provides the best customer service possible, with the help of its professional and skilled team and over two decades of experience in the financial market. Their fully trained, knowledgeable, and qualified staff will work with you to locate which loan service works best for you and will make the entire loan application and approval process as simple as possible. Furthermore, with their secure, stress-free, quick cash services, you can have the cash you require in your hand within minutes, not hours!

Products and Services offered by Cash Store.

Cash Advance/Payday Loan

Cash advances, also referred to as payday loans, are designed to support people overcome short-term cash needs when unforeseen expenses occur and to create a small breathing space in your budget until the next payday.

A cash advance loan allows you a fast way to get cash when you need it, even with imperfect credit. The loan repayment term may vary depending on the state of residence. At Cash Store, you can also pay off your loan before the due date – whichever is most comfortable for you!

Cash Store currently provides cash advance in Michigan (up to $600*).

Cash Store is a state-licensed lender and complies with all applicable state laws and regulations.

Installment Loans

Cash Store provides access to installment loans, which are quick and easy to borrow and range up to $5,000*. An installment loan is an excellent alternative if you need urgent cash but at the same time need some additional time to pay it back.*

Installment loans can help you to bridge the gap in times of financial hardship – emergencies, car or home repair, or in covering any unexpected bills. Also, there is no need to be concerned about immediately paying your installment loan back in one single lump sum. Installment loans can provide you with the flexibility to repay the borrowed funds in multiple payments, which means you can comfortably schedule your due dates according to your pay date frequency (biweekly/monthly).

Cash Store currently provides installment loans in Idaho, Texas, Wisconsin (up to $3,000*), and New Mexico (up to $5,000*).

Title Loans

If you require quick funds, when stressed over unexpected bills, a family emergency, or due to an urgent maintenance expense, but you do not have any other alternatives left to borrow funds. A title loan might be the better choice.

To obtain an auto title loan, you will have to pledge the vehicle you own as collateral by providing your vehicle’s title to the lender till the borrowed funds are entirely paid back.

At Cash Store, you can get up to $25,000* depending on the valuation of your vehicle. You need a car having a free-and-clear title. Additionally, you can get yourself a title loan from Cash Store even if you have less than perfect credit or no credit. Furthermore, an additional benefit which you’ll find attractive is you get to keep using your car for the duration of the loan! Plus, the repayment schedule for your loan will be a series of convenient payments, giving you ample time to repay.

Cash Store currently provides title loan in Idaho (up to $500*); New Mexico (up to $5,000*); Texas & and Wisconsin (up to $25,000*). Auto Equity Loans are also available in Idaho (up to $20,000*).

Notice:- Vehicle is subject to evaluation for title loans and auto equity loans.

How to Get a Loan from Cash Store?

Getting a loan from Cash Store is easy and can be completed in 3 simple steps:

Apply Online.

Cash Store aims to provide its customers with a platform that simplifies the borrowing process and makes it quick and convenient. The company also believes in removing the complexity people often encounter while borrowing money.

The online application form is created using the latest technology, ensuring complete privacy and security of your personal information.

The application is built looking at the comfort of borrowers; on submitting the online application, your information is sent to the nearest local stores ahead of your visit. Also, you fill out one form for all available loan products, which allows you to save time when you visit the store to complete the approval process and discuss the final loan amount.

Visit the store.

Cash Store has 340+ locations in seven states, use the store locator tool on the website to locate the nearest local storefront for an in-person visit to complete the approval process. Be sure to carry the following documents:

For a Cash Advance or Installment Loan, bring in:

  • A recent pay stub or any other proof of income.
  • The most recent checking account statement.(account must be active for 30 days or more)
  • A personal check (and/or debit card in NM, TX and WI only)
  • Valid driver’s license or state-issued ID.

For a Title or Auto Equity Loan, bring in:

  • Bring the vehicle you own along with the free and clear title.
  • Valid driver’s license or state-issued ID.
  • Illinois residents should carry recent pay stub or other proof of income.

Get Your Cash.

The store staff will verify the documents and complete the approval process; once approved, you can walk out with your cash the same day. It’s that easy.

Notice:

In Texas, the Cash Store is a Credit Services Organization and Credit Access Business. Loans are provided by a non-affiliated third-party lender.

*Subject to loan approval. Loan terms and availability may vary by location. 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.

*Approval rate based on complete applications received.

Service Details

Safety

256-Bit SSL Verified by Symantec Corporation.

State Licensed

Yes, Cash Store is state-licensed and regulated and complies with all applicable regulations.

Loan Amount

Cash Advances up to $865*.
Installment Loans up to $3,000*.
Title Loans up to $25,000*.

APR

APR varies by state

Loan Period

Loan Period varies by state

BBB Rating

Business is not BBB Accredited

Credit Score Required

NA

Funding Time

Customers can typically expect to receive loan proceeds in less than 20 minutes; however

Notice:

In Texas, the Cash Store is a Credit Services Organization and Credit Access Business. Loans are provided by a non-affiliated third-party lender.

*Subject to loan approval. Loan terms and availability may vary by location. 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.

*Approval rate based on complete applications received.

States Serviced by Cash Store

The states serviced may change without prior notice, visit the lender’s website for up to date information.

Cash Advance/Payday Loans

  • Michigan

Installment Loans

  • Idaho
  • New Mexico
  • Texas                       Serviced as Credit Access Business(CAB).
  • Wisconsin

Title Loans

  • Idaho
  • New Mexico
  • Texas                        Serviced as Credit Access Business(CAB).
  • Wisconsin

Notice:

In Texas, the Cash Store is a Credit Services Organization and Credit Access Business. Loans are provided by a non-affiliated third-party lender.

*Subject to loan approval. Loan terms and availability may vary by location. 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.

*Approval rate based on complete applications received.

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LendingPoint Personal Loan Disclosure

* Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; Midland States Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates (“APR”) may vary based upon LendingPoint’s proprietary scoring and underwriting system’s review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees up to 10% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $1,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $2,000. For a well-qualified customer, a requested loan of $10,000 serviced by LendingPoint over a period of 48 months that has an APR of 26.59% with an origination fee of 10% may have a payment of $340.52 per month. (Actual terms and rate depend on credit history, income, and other factors.) The total amount due under the loan terms provided is $16,345.12 and the disbursal amount is $10,000. In the example provided, the total financed amount is increased to receive the full requested loan amount after the origination fee is deducted. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.

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SoFi Personal Loan Disclosure

Fixed rates from 8.74% APR to 35.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 11/12/25 and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.

Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive.

PERSONAL LOAN INTEREST RATES AND FEES | ELIGIBILITY AND IMPORTANT DETAILS. Annual percentage rates (APRs) shown include the 0.25% autopay discount. If approved for a loan, the rates and terms offered will depend on things like creditworthiness, the length of the loan, and other factors, and will fall within the range of rates available by applicable loan term; check out our full APR examples and terms. Remember, not all applicants will qualify for the lowest rate. Want to learn more? See our eligibility criteria at SoFi.com/eligibility-criteria. SoFi reserves the right to change interest rates at any time without notice, changes would only apply to applications begun after the effective date of the change.

Fixed Rates: Fixed rates range from 8.74% APR to 35.49% APR (with autopay). The SoFi 0.25% autopay interest rate reduction requires you to agree to make your scheduled monthly payments by an automatic monthly deduction (ACH) from a savings or checking account. Enrolling in autopay is not required to receive a loan from SoFi. Loan Terms: SoFi Personal Loans offer loans with a period of repayment between 2 and 7-year terms. Loan Fees: SoFi personal loans have no fees required; specifically, no origination fees required, no late fees, no prepayment penalties.

PERSONAL LOAN | REPAYMENT EXAMPLE. The following example depicts the APR, monthly payment and total payments during the life of a $30,000 personal loan with a 2-year repayment term, a 0.25% autopay discount, and a fixed rate between 8.74% APR to 35.49% APR. It works out to 24 monthly payments ranging from $1,356.68–$1,529.07 for a total amount of payments ranging from $32,560.37–$36,697.76. This repayment example assumes that the borrower is signed up for autopay and that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term, loan amount, creditworthiness, and other terms and conditions. SoFi does not offer variable rate personal loans. State restrictions may apply.

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Universal Credit Personal Loan Disclosure

Personal loans made through Universal Credit feature Annual Percentage Rates (APRs) of 11.69%-35.99%. All personal loans have a 5.25% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 36 to 60 months. For example, if you receive a $10,000 loan with a 36-month term and a 28.47% APR (which includes a 22.99% yearly interest rate and a 7% one-time origination fee), you would receive $9,300 in your account and would have a required monthly payment of $387.05. Over the life of the loan, your payments would total $13,933.62.
 
The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Universal Credit’s bank partners. Information on Universal Credit’s bank partners can be found at https://www.universal-credit.com/bank-partners/
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Upstart Personal Loan Disclosure

Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000).

Although educational information is collected as part of Upstart’s rate check process, neither Upstart nor its bank partners have a minimum educational attainment requirement in order to be eligible for a loan.

If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. When the funds will be available to you will depend on your bank’s transaction processing time and policies.

The full range of available rates varies by state. A representative example of payment terms for an unsecured Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 20.10% and a 8.53% origination fee of $853, for an APR of 24.65%. In this example, the borrower will receive $9,147 and will make 60 monthly payments of $267. APR is calculated based on 5-year rates offered in June 2025. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.

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Upgrade Personal Loan Disclosure

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.74%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade’s bank partners.

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