Cash Store Review 2025 - All You Need to Know

— Review updated Oct 2025

Written by Joe Chappius

- Oct 30, 2025

Reviewed by Ricardo Laizo

Cash Store provides rapid emergency funding without credit checks, making it accessible for those with limited options.

However, their extraordinarily high APRs (up to 780%) make this one of the most expensive borrowing options available.

Moreover, you need to pick up the cash at a store, making this company a very limited option.

Consider other alternatives before committing to their loans, as the convenience comes at a substantial long-term cost that could lead to a cycle of debt.

Read the full review

This company is not recommended

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Cash Store At glance

Popularity

The popularity score indicates the percentage of customers choosing this company the last 90 days.

Customer Experience

Many praise specific store employees for friendly, helpful service. However, numerous complaints mention extremely high interest rates, with some customers reporting confusion about repayment terms.

Company name

Cash Store

Website

https://www.checkintocash.com

Phone

1-877-242-3242

Email

customerservice@checkintocash.com

Address

201 Keith Street SW, Suite 80, Cleveland, TN 37311

Pricing

Cash Store charges extremely high interest rates with APRs up to 780%. Their example shows a $500 loan with a 388.55% APR, resulting in almost double repayment over 7 months - pricing that places significant financial burden on borrowers.

Customer Support

Cash Store has friendly staff and service. Their physical store locations provide personal assistance, and the two-step application process is well-explained. However, the lack of an online account management system limits service quality.

Terms and Flexibility

While Cash Store provides straightforward loan application, their high-cost lending model lacks transparency in total cost presentation. Terms are rigid, and the requirement to visit physical stores for cash pickup adds inconvenience.

Pros & Cons

Fast Cash (within minutes)
Easy 2 step application
Both online and store locations available

Only available in 7 states
Cash must be picked up in-store
No login service to view payments

Details

Loans Cash Store

Terms & fees

Loan amount$100 - $25,000

Term1 month - 6 months

Annual interest rate390% - 780%

Origination fee$0

Monthly fees$0

Requirements

Minimum age18

Minimum income$0

National bank requiredNo

National phone number requiredYes

Citizenship requiredYes

Electronic identificationYes

Features

Cosigner possibleNo

Revocation periodNo

Accept bad credit historyYes

Weekend payoutYes

Loan extensionsYes

Early paybackYes

Payment within 24 hoursYes

Loan brokerNo

Interest free loanNo

Additional fields

Payment hours9am-7pm

High approval rateNo

Recommended companyNo

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Summary

A reputable short-term cash lender
No credit history needed.
Cash advances and installment loans up to $5,000, title loans up to $25,000.
Available in Idaho, Utah, Texas, Illinois, Michigan, Wisconsin, and New Mexico.

Apply for a Cash Store Loan Now

What Is Cash Store?

The Cash Store has been offering emergency lending since 1996. They are a cash loan lender offering cash advances, installment, and title loans.

They have three different loan options: Cash Advance, Installment, and Title Loans. The loan terms and availability differ by state.

Cash Store is available in seven states: Idaho**, Utah, Texas, Illinois, Michigan, Wisconsin, & **New Mexico. They have over 340 locations.

>> Don't live in these states? Find a loan in your state here.

Because of the different loan types, the loan amounts vary. Cash advance and installment loans can be up to $5,000. Title loans can be up to $25,000.

Product Offered

Cash Store offers the following:

Cash advance
Installment loans
Title loans

Visit CashStore.com to get started

How Cash Store Works

Cash Store is unique in that they have both an online presence and brick-and-mortar store locations in specific states.

Cash Store applicants** do not need a credit history** to apply for a loan.

Because Cash Store does not require a credit check, they require some documentation of income to ensure a customer is a viable option.

Documentation can be a pay stub, social security check, or other proof of income. Cash Store loans are available in these states:

Idaho
Illinois
Michigan
New Mexico
Texas
Wisonsin

Borrowers do all necessary paperwork online and then visit a physical Cash Store near them to get cash in hand within 20 minutes.

Loan Requirements

Here are the loan requirements when applying for a Cash Store loan:

Age 18 or older (depending on state requirements)
Live in a state serviced by Cash Store
Regular source of income
A state-issued ID or driver’s license
Active checking account

The Cash Store website is where you initially apply for your loan. Once you have entered your information, the site will inform you of the amount you can borrow.

The Cash Store website is simple to use. It offers an informative FAQ section and has a straightforward layout.

If you have exhausted all other alternatives and need Cash on the spot for an emergency, they will offer this service.

However, if you have time to shop around and have a good credit score, then looking for a cheaper lender may be advisable.

Rates & Fees

The Annual Percentage Rate (APR) for installment loans can be as high as 780%.

Example

The APR for a $500.00 217-day installment loan with automatic debit authorization is 388.55%. The loan consists of 6 payments of $190.94 and a final payment of $190.88 due at maturity.

Payment Terms

Payment terms depend on the type of loan you take out. Installment loans are offered with monthly repayments, whereas cash advances are paid back in one single payment on your next pay date.

Title loans are based on the value of your car and are repaid on a monthly basis. Title loans are available for up to $25,000.

Cash Store works in a unique way compared to most lenders. Their process of getting a loan is divided into two portions: the online application and paperwork, and the physical location for cash pickup.

Visit the Website

Head over to Cash Store’s website here.

Apply

Complete and save the application form online.

Submit Your Documents

Gather your required documents and head to the closest physical Cash Store near you.

Get Approved

Complete the process and receive your money the same day.

Cash Store should be considered if you have bad credit and have exhausted all cheaper lending options.

The site does not offer a login service to view your loan payments or apply for any changes you require.

Our CashStore.com Review

At Financer, we recommend borrowing money cautiously. Only borrow what you need and try to find the lowest APRs possible.

Cash Store is a reputable lender that provides quick cash on the spot. With this in mind, you are paying a premium for this kind of service. Again, if you have a good credit rating and time to shop around, do so.

There may be some seasons in life that there are no cheaper alternatives, and you need a cash injection instantly.

Cash Store Frequently Asked Questions

What states does Cash Store cover?

Idaho, Utah, Texas, Illinois, Michigan, Wisconsin, & New Mexico

How fast can I be approved?

Same day approval, even as little as 20 minutes, but be advised a premium is paid for this service.

Would there be any reason I couldn’t get a Cash Store loan?

Criteria are listed above. These are essential to securing a Cash Store loan. Another possible reason could be that you are out of state.

Our Commitment to Transparency

At Financer.com, we're committed to helping you with your finances. All our content abides by our Editorial Guidelines. We are open about how we review products and services in our Review Process and how we make money in our Advertiser Disclosure.

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