Cash Store Installment Loans
Cash Store Installment Loans
in Personal Loans from Cottonwood Financial

Cash Store Installment Loans

in Personal Loans from Cottonwood Financial
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APR  (Fixed APR) 390% - 780%
Loan Amount $100 - $5,000
Loan Term (Months) 1 - 30 months

Cash Store Installment Loans Review

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

Key Takeaways

  • APRs starting at 390%. Interest rates vary by state. Personal loan interest rates typically range between 5% and 36%. The starting rates for Cash Store Installment Loans are on the higher end of the spectrum.
  • Charges a prepayment fee. This is rare for personal loans. It means you will have to pay a fee if you pay off your Cash Store Installment Loans early.
  • Short loan terms. Cash Store Installment Loans have loan terms as short as 1 month.

Cash Store installment loans Pros & Cons

Pros Cons
  • Considers applicants with fair credit.
  • APRs as high as 780%.
  • Charges an origination fee.
  • Do not offer pre-approval with soft credit pull.
  • Cash Store Installment Loans does not report to credit bureaus.
  • Charges prepayment fees.
  • Charges a late fee.

Cash Store installment loans FAQ

What interest rates and personal loan terms does Cash Store installment loans offer?

Cash Store installment loans has higher than average interest rates for lenders reviewed on SuperMoney.

What interest rates does Cash Store installment loans offer?

Cash Store installment loans offers a fixed APR personal loan product that ranges from 390% APR up to 780% APR. Interest rates vary by state.

How much can you borrow via Cash Store installment loans?

Business loan amounts start at $100 and go up to $5,000.

What is the maximum loan term you can get with Cash Store installment loans?

Cash Store installment loans offers loans with terms of up to 30 months.

Cash Store installment loans Interest Rates & Loan Terms
Personal Loan Amount $100 - $5000
Loan Term 1 - 30 months
APR 390% - 780%

What fees does Cash Store installment loans charge?

Does Cash Store installment loans charge an origination fee?

Cash Store installment loans may charge a personal loan origination fee (origination fees and requirements vary by state).

Does Cash Store installment loans charge a late fee?

No, Cash Store installment loans will not charge you a late fee if you miss one of the monthly payments.

Does Cash Store installment loans charge prepayment fees?

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

Cash Store installment loans Fees
Origination Fee No
Prepayment Fee N/A
Late Payment Fee No

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

Cash Store Installment Loans does not have or does not disclose a minimum annual income eligibility requirement. Cash Store Installment 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 Installment 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 Installment Loans. Permanent resident / green card holders are also eligible to apply.

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

  • Recent pay stubs
  • Proof of income
  • Blank personal check and/or debit card
  • Proof of identity
Cash Store installment loans Eligibility Criteria
Minimum Age N/A
Bank Account Required? No
Credit Score 300 - 650

Is Cottonwood Financial a legit company?

Cottonwood Financial was founded in 1996, it is a well-established company that has been in business for 26 years.

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

Cash Store Installment 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. In Texas, the Cash Store is a Credit Services Organization and all loans are provided by a non-affiliated third-party lender.
SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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Other Services by Cottonwood Financial


  Available in 6 states
  • Idaho
  • Illinois
  • New Mexico
  • Texas
  • Utah
  • Wisconsin

Feature Breakdown

Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Non-Military
  • Veterans
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Verification Documents Required
  • Recent Pay Stubs
  • Proof of Income
  • Proof of Identity
  • Social Security Number
  • Blank Personal Check and/or Debit Card
Credit Score Range 300 - 650
APR Type Fixed APR
Loan Amount $100 - $5,000
APR (Fixed APR) 390% - 780%
Loan Term 1 - 30 months

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