Cash Store Title Loans

Cash Store Title Loans Review

Cash Store Title Loans is offered by Cottonwood Financial, a direct lender founded in 1996 and based in Irving, TX. Cash Store Title Loans are available in 6 states across the USA.

Cash Store Title Loans FAQ

What rates does Cash Store Title Loans charge?

Cash Store Title Loans offers auto title loans with a fixed APR that ranges from 304.17% up to 390%.

Does Cash Store Title Loans charge an origination fee?

Yes, Cash Store Title Loans charges a loan origination fee.

Does Cash Store Title Loans charge a late fee?

Yes, Cash Store Title Loans charges borrowers a late payment fee.

Does Cash Store Title Loans charge prepayment fees?

No, Cash Store Title Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

How much can you borrow from Cash Store Title Loans?

Loan amounts start at $200 and go up to $3,995. Note that loan amounts also vary by state and product, but the minimum in all states is $100. Vehicle is subject to evaluation for title loans.

What is the maximum loan term you can get with Cash Store Title Loans?

Cash Store Title Loans offers auto title loans with terms ranging from 1 to 12 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto title loan, the more interest you will pay.

What do you need to qualify for Cash Store Title Loans?

Cash Store Title Loans does not have or does not disclose a minimum annual income eligibility requirement. Cash Store Title Loans only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the Cash Store Title Loans product fall outside of the MLA limits, and as a result, the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

U.S. citizens are eligible to apply for the services offered by Cash Store Title Loans.

To qualify, applicants may need to provide the following documentation:

• Proof of income
• Driver's license

What is the estimated funding time for an auto title loan via Cash Store Title Loans?

Cash Store Title Loans will typically provide a credit approval decision in less than an hour and fund the loan within 0 and 1 business days.

Is Cottonwood Financial a legit company?

Cottonwood Financial was founded in 1996, it is a well-established company that has been in business for 27 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.