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Last Updated: 04/18/2025

Cash Store Installment Loans

in Personal Loans from Cottonwood Financial

Last Updated: 04/18/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

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Highlights

APR (Fixed APR)

390% - 780%(Verified 06/21/2024)

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Amount Range

$100 - $5,000

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Loan Term (Months)

1 - 30

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 are available in 6 states.

Key Takeaways

APRs starting at 390%. Interest rates vary by state. Personal loan interest rates typically range between 9% and 36%. The starting rates for Cash Store Installment Loans are on the higher end of the spectrum.
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 of all credit types.

APRs as high as 780%.
Charges an origination fee.
Does not offer pre-approval with soft credit pull.
Cash Store Installment Loans does not report to credit bureaus.
Charges prepayment fees.
No co-sign option available.

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?

Personal 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?

Cash Store installment loans does not disclose whether it charges late payment fees.

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

Prepayment Fee

N/A

Late Payment Fee

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.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Cash Store Installment Loans.

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?

Credit Score

300 - 650

Does Cottonwood Financial perform a hard credit pull?

Yes, Cash Store installment loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

Are Cash Store Installment Loans legit?

Cottonwood Financial was founded in 1996, it is a well-established company that has been in business for 30 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: SuperMoney.com 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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1901 Gateway Drive, Suite 200

Irving, TX 75038

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