Cash Store Title Loans

Cash Store Title Loans

in Auto Title Loans from Cottonwood Financial


Cash Store Title Loans


in Auto Title Loans from Cottonwood Financial

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Loan Amount $200 - $3,995
APR  (Fixed APR) 304.17% - 390%
Credit Score Range Starting at 300

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 is available in 6 states across the USA.

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?

The minimum age to be eligible is 18 or the state minimum, whichever is higher.

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, of course, eligible 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.

CASH STORE TITLE LOANS Disclosure: *Subject to loan approval. Loan terms and availability may vary by location. 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. Vehicle is subject to evaluation for title loans. In Texas, the Cash Store is a Credit Services Organization and all loans are provided by a non-affiliated third-party lender.
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  • Headquarters
  •   1901 Gateway Drive, Suite 200
    Irving, TX 75038 USA

Message from Cottonwood Financial

If you’re looking for a trustworthy lending source — one that offers competitive fees and convenient hours — then you have come to the right place! For over 20 years, the Cash Store has provided emergency cash loans to help customers finance unexpected expenses. We have a long history as a reputable personal lending company where qualified customers can have their cash advance approved quickly — with absolutely NO credit history or credit score required. Vehicle is subject to evaluation for title loans.

What truly sets us apart from other personal lending companies is our commitment to the people we serve. Regardless of how much cash you receive or which of our loan services works best for you, our experienced staff will work to make the entire loan application and approval process as simple as possible.

Here at the Cash Store, we believe that good people who work hard — just like you — make the best customers. And with our easy, stress-free, fast cash services, you can have the money you need in your hand within minutes, not hours! Apply now!

Other Services by Cottonwood Financial


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 6 states
  • Idaho
  • Illinois
  • New Mexico
  • Texas
  • Utah
  • Wisconsin

Feature Breakdown

No Prepayment Fee  
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
  • Self-Employed
Immigration Status Considered U.S. Citizen
Military Status Non-Military
Minimum Age 18
Vehicle Requirements
  • Clear Title
  • Not Salvaged/Branded Title
  • Vehicle Paid Off
Verification Documents Required
  • Proof of Income
  • Driver License (or other photo ID)
Credit Score Range 300 -
Loan Term 1 - 12 months
Loan Amount $200 - $3,995
APR (Fixed APR) 304.17% - 390%

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