FAQs - My Loan

Payments

You can make loan payments in any Cash Store or by automatic withdrawal from your checking account. Please see our store locator for store locations and hours.

Currently, we only accept payments at our store locations in the form of cash, cashier’s check or money order.  We also accept in-store debit card payments in all store locations except Michigan.

If you missed a payment or think you may be late on your next payment, please contact us to bring your account current or to make alternative payment arrangements by calling 888-950-2274

For your convenience, if you are not able to make it into the store, the scheduled loan payment will be drafted from your account. This will ensure that your loan remains on schedule without the need to visit a store location to make a payment.

For your convenience, if you are not able to make it into the store the loan payment will be drafted from your account. If you have paid ahead or made additional payments on your loan, we will only deduct the amount needed to keep your loan on track with your loan payment schedule.

You may have the option to better align your due dates with your current pay check schedule; however, this is dependent on your account details. Please visit a Cash Store near you or call 888-950-2274 to speak with a Cash Store representative.

Refinancing

You may be eligible to refinance and sometimes lower your payments just by paying the outstanding interest and fees of your loan. Paying lower amounts and lowering payments depends on how much principal has been paid down on the loan. Visit your nearest Cash Store or call 888-950-2274 to speak with a Cash Store representative.

As a valued Cash Store customer, you don't need to fill out another application online to get a new loan. Just visit the Cash Store nearest you to verify your current information and get your cash the same day.

The Cash Store follows strict compliance guidelines and for this reason are only allowed one loan at a time. Please contact a Cash Store representative at 888-950-2274 to learn more.

General

There may be a waiting period depending on which state you take your loan out in. To check if you have a waiting period please call 888-950-2274 to speak with a Cash Store representative.

Refer your friends and family to the Cash Store by word of mouth, text, email, or social media and you could get $100 for yourself (per referral). Find out how!

You can update your account profile information, such as checking account, telephone or address, by visiting a Cash Store location near you or by calling 888-950-2274 to speak with a Cash Store representative.

You may opt out of emails by clicking the unsubscribe button at the bottom of emails. You may opt out of text messages by replying STOP. You may also email us to request removal.

If your title loan with the Cash Store is paid in full but you have not yet received your title, please call 888-968-5265, Ext. 2502.

How Much Can I Get?

Fill out our short form to see how much money you are pre-qualified to receive. Checking your amount will not affect your credit score.

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* Loans / Advances are subject to loan approval. Loan terms and availability may vary by location.  Approval rate based on complete applications received across all Cash Store locations. Customers can typically expect to receive loan proceeds in less than 20 minutes; however, processing times may vary.

Cottonwood Financial uses a proprietary model to evaluate the credit worthiness of each applicant for credit. Vehicle is subject to evaluation for title/auto equity loans. Please see the Licenses and Rates page for additional product details.

Cottonwood Financial offers consumer credit products that are generally short-term in nature and not intended for long-term borrowing needs. In Texas, the Cash Store is a Credit Services Organization and Credit Access Business. Loans are provided by a non-affiliated third-party lender.