Car repairs, medical bills, or a paycheck that's still days away — get a fast online decision, clear terms with no hidden fees, and money in your account as soon as today.*
Loans at Cash Store are built for real life: fixed installment loans for bigger expenses, quick cash advances to bridge a payday gap, and title-secured loans that put your vehicle's equity to work — all with pricing you see in full before you sign.
Every application gets a fast decision, and approved funds can reach your bank account as soon as the same business day.*
Emergency lending only works when it's honest. Our team comes from years of front-line consumer lending — helping people through car breakdowns, medical bills, and rent gaps — and we built Cash Store around what actually helps in those moments: speed, clarity, and no games.
We lend only in states where we're licensed, underwrite for your real ability to repay rather than a single credit score, and put every cost in writing before you sign. Your data is protected end to end with 256-bit encryption, and we never sell your personal information — see our Privacy Policy and Rates & Licenses.
Regulated and accountable in every state we serve.
Real help before, during, and after your loan.
No hidden fees and no prepayment penalties — ever.
Content reviewed by the Cash Store Compliance Team for accuracy and alignment with state and federal lending regulations. Last updated .
Three ways to borrow between $200 and $5,000 — pick the one that matches your timeline and your budget. Availability, amounts, and terms vary by state.
$500–$5,000
Borrow more and pay it back in fixed, scheduled payments over several months — not one stressful lump sum.
$200–$1,000
A short-term bridge to your next paycheck. Borrow a smaller amount today and repay it in a single payment on your next pay date.
Up to $5,000
Use your paid-off vehicle's title as collateral to unlock a larger amount or a better rate — and keep driving your car the whole time.
No branch visits, no paperwork marathons. Most people finish the whole process before their coffee gets cold.
Tell us how much you need and share basic details — about 5 minutes, fully encrypted.
We look at your full financial picture — income and ability to repay, not just a credit score.
See your rate, payment schedule, and total cost in plain English — before you commit.
Funds go to your debit card or bank account — as soon as the same business day.*
Short-term credit costs more than a bank loan — and you deserve to see exactly how much before you sign.
A $1,000 installment loan repaid over 6 months at an APR of 189% would require 12 bi-weekly payments of $127.72, for a total repayment of $1,532.64. This example is for illustration only — rates, fees, and terms vary by state and product. See our Rates & Licenses page for the exact disclosures that apply where you live.
Your exact APR, fees, and maximum amount are shown in writing before you accept a loan.
No application fee. No prepayment penalty. Your loan agreement is the complete cost.
Pay off ahead of schedule at any time — early payoff reduces the total interest you pay.
Borrow responsibly. Short-term loans are for one-time emergencies — not long-term needs or paying off other debt. Borrow only what you need, have a clear plan to repay, and compare lower-cost options first, like a biller payment plan, a credit union Payday Alternative Loan (PAL), or the free guides at consumerfinance.gov. If repaying ever gets hard, contact us early — working out a solution always beats a missed payment.
Slide to your amount, pick a product and term, and get an instant estimate. Free, no obligation, and no impact on your credit to check.
Which loan fits your needs?
How long to pay it back?
6 monthly payments
Estimate only, shown for illustration. Your actual rate, term, and payment depend on your application and state, and are disclosed in writing before you sign. Checking your rate won't obligate you to accept a loan.
Real experiences from people who needed cash fast and got a fair, transparent loan. Rated Excellent by our customers.
I needed an installment loan to cover a car repair and had no idea if my credit would qualify. The application took about five minutes and I had a decision almost right away. Funds hit my account the same day.
What sold me was the transparency. I could see my exact payment schedule and total cost before I signed anything. No hidden fees, no surprises — exactly what they promised. Honest lending is hard to find.
My paycheck was still a week out and rent was due. The cash advance bridged the gap and the money was in my bank the same business day. Simple, fast, and honest — I knew exactly what I'd pay back.
The whole process was online and easy to follow on my phone, and customer support answered my questions quickly. Rates are higher than a bank, but they were upfront about it, so I knew what I was getting into.
I took a six-month installment loan and paid it off in three. There was no prepayment penalty and I saved on interest. Would recommend to anyone who needs cash fast and has a plan to repay it quickly.
I borrowed against my car's title and kept driving it the whole time. The team explained everything clearly and worked with my budget. Great customer service the one time I needed to reach out for help.
A short-term loan is a tool, not a trap — but it's only the right tool in the right situation. Here's a straight look at both sides before you apply.
Bottom line: Borrow only what you need, have a clear plan to repay, and compare lower-cost options first — like a biller payment plan, a credit union Payday Alternative Loan (PAL), or the resources at consumerfinance.gov. See our Responsible Lending page for more.
Straight answers to the questions borrowers search for most — so you can compare your options and borrow smarter.
Both get you cash fast, but they work very differently. Compare repayment schedules, total cost, and credit impact to choose the right short-term loan for your situation.
Read the guide
A low credit score doesn't automatically mean no. See how income-based underwriting works and which documents improve your approval odds for a bad credit loan.
Read the guide
Turn your paid-off vehicle's equity into cash while you keep driving it. Learn how title loan amounts are set, what early payoff saves you, and the risks to watch for.
Read the guide
Car trouble, medical bills, or a broken furnace — see how emergency loans work, how fast funds can realistically arrive, and how to borrow without making a crisis worse.
See emergency loan options
Not every "instant" loan is instant. Learn the cut-off times, bank processing rules, and application tips that decide whether your money really arrives the same business day.
See same-day loan options
"No credit check" can mean a soft inquiry — or a scam. Understand the difference between hard and soft credit checks and the red flags that separate real lenders from predatory ones.
Read the guideLoans range from $200 to $5,000. Cash advances typically run $200–$1,000, while installment loans range from $500 up to $5,000. The exact amount you qualify for depends on your income, your state of residence, and our assessment of your ability to repay.
Yes — all credit types are considered. Rather than relying only on a traditional credit score, we evaluate your income, employment, and overall ability to repay. Approval isn't guaranteed, but a low score alone won't automatically disqualify you.
Most applicants get a decision within minutes. If approved, funds can be sent to your debit card or bank account as soon as the same business day, depending on the time of approval and your bank's processing speed.*
Typically: a government-issued ID, proof of income (such as a recent pay stub), an active checking account, and a working phone number. Exact requirements vary by state and product.
No — never. You can pay off your loan ahead of schedule at any time, and doing so reduces the total interest and fees you pay.
Products, amounts, rates, and terms vary by state and are subject to state licensing. Visit our Rates & Licenses page to see exactly what's available where you live.
Checking your options is free, fast, and comes with zero obligation. You'll know your exact rate and payment before you decide anything.
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