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
- Poor credit accepted. Even if you have bad or poor credit, you can apply. Borrowers with a credit score as low as 300 are considered for Cash Store Installment Loans.
- Hard credit pull required. You can't check your rates or see if you prequalify for Cash Store Installment Loans without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
- 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 offers loan terms as short as 1 month. Most personal loans have a minimum term of 12 to 36 months.
Cash Store Installment Loans Pros and Cons:
| Pros | Cons |
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What rates and terms does Cash Store Installment Loans offer?
Cash Store Installment Loans has higher interest rates than the average for lenders reviewed on SuperMoney.
What APR rate 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.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.
How much can you borrow via Cash Store Installment Loans?
Loan amounts start at $100 and go up to $5,000.
What can a personal loan from Cash Store Installment Loans be used for?
Personal loans from Cash Store Installment Loans are typically used for special purchases, medical expenses & procedures or similar purposes.
What is the maximum loan term you can get with Cash Store Installment Loans?
Cash Store Installment Loans offers personal loans with terms ranging from 1 to 30 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 loan, the more interest you will pay.
| 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 loan origination fee (origination fees and requirements vary by state).
Does Cash Store Installment Loans charge a late fee?
Yes, Cash Store Installment Loans may charge borrowers a late payment fee.
Does Cash Store Installment Loans charge prepayment fees?
Yes, Cash Store Installment Loans may charge additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a loan early.
| Origination Fee | N/A |
| Prepayment Fee? | Yes |
| Late Payment Fee | N/A |
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
| Minimum Age | N/A |
| Bank Account Required? | No |
| Credit Score | 300 - 650 |
Contact
- Headquarters
-
1901 Gateway Drive, Suite 200
Irving, TX 75038 USA
Other Services by Cottonwood Financial
Message From Cottonwood Financial
Availability
- Idaho
- Illinois
- New Mexico
- Texas
- Utah
- Wisconsin
Feature Breakdown
| Employment Statuses Considered |
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| Immigration Status Considered |
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| Military Status |
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| Supported Income Types |
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| Verification Documents Required |
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| Credit Score Range | 300 - 650 |
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