Cash Store offers in-store installment loans with same-day funding in Houston. Bad credit is considered; online pre-qualification available before your visit.
Editorially reviewed by Harvey Brooks
Cash Store is a specialty consumer lender operating physical retail branches across Texas, with this location at 19734 Tomball Pkwy in northwest Houston. The company focuses on small-dollar installment loans for consumers who need quick access to cash and may not qualify for traditional bank financing. The Houston location carries a strong local reputation, holding a 4.9-star rating across 208 Google reviews at the time of this profile.
The core product is an unsecured installment loan — a fixed-schedule repayment loan marketed for covering major purchases, consolidating bills, or handling unexpected expenses. The process begins with an online pre-qualification form, after which applicants visit the store with required documents. Funding is typically issued the same day approval is granted. Cash Store also offers a Netspend Prepaid Mastercard as an alternative to traditional banking, and existing customers can refinance or re-borrow by calling the store directly without a full re-application.
What sets this location apart operationally is the fully documented in-person service model: staff walk applicants through the underwriting process, explain loan terms before acceptance, and handle documentation on-site. The lender accepts the Matricula Consular card as a valid government ID alongside standard U.S. documentation, broadening eligibility for immigrant borrowers. The pre-qualification step is non-binding, allowing consumers to gauge eligibility before committing to a store visit.
Honest assessment: Cash Store fills a real gap for Houston consumers who have poor or thin credit and need funds quickly — but the website discloses no APR ranges, loan amount limits, or fee schedules, which are critical facts for any borrowing decision. As a storefront installment lender targeting bad-credit borrowers with same-day funding, rates are almost certainly well above 36% APR. The requirement for an active checking account open at least 30 days will exclude some applicants. This is a last-resort or emergency option, not a cost-competitive alternative to credit unions or mainstream personal loan lenders.
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Yes. Cash Store is a registered company headquartered in 6604 FM78 Suite 100, San Antonio, TX 78244. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Cash Store is best for Houston borrowers with bad credit who need cash urgently and are comfortable visiting a branch in person. The main caveat is full cost transparency: APRs and fees are not published, so consumers should request the full cost disclosure before accepting any loan terms.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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