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Cash Store in Fort Worth, TX

2.3/5

Cash Store at 4869 Bryant Irvin Rd, Fort Worth, TX 76132 is Mon-Fri 10:00 AM – 7:00 PM. Google reviewers rate the branch 4.9 stars across 234 reviews. Call +1 817-423-9944.

Data compiled from public sources · Rating from CreditDoc methodology

Cash Store Review

Cash Store is a consumer installment lending company with retail storefronts across Texas, providing small-dollar loan products to borrowers outside the traditional banking system. Location #30796 is situated at 19734 Tomball Pkwy in the northwest Houston corridor, operating Monday through Friday 10am to 6pm and Saturday 10am to 2pm, closed Sundays. This single location has accumulated 208 Google reviews averaging 4.9 stars, reflecting strong community trust built through staff interactions that customers consistently call out by name.

The flagship product is an unsecured installment loan — a personal loan repaid on a fixed schedule — marketed for major purchases, bill consolidation, or unanticipated expenses. The application workflow starts with an online pre-qualification form, but customers must physically visit the store to complete underwriting and finalize their loan agreement. Once approved, funding is typically disbursed the same day. The store also offers the Netspend Prepaid Mastercard®, a reloadable card that functions like a debit card without requiring a traditional checking account. Existing customers have access to a remote reloan and refinancing service, allowing them to modify or restart their installment loan by contacting the store directly by phone.

Several features distinguish this location. Cash Store accepts the Matricula Consular identification card alongside standard US government-issued photo ID, broadening eligibility to include immigrant customers. The lender explicitly states that bad or no credit does not automatically disqualify applicants — credit is one factor in underwriting but not the sole criterion. The online pre-qualification step reduces in-store processing time. Google reviews frequently mention individual associates by name — Janelle, Marlene, Marlen — suggesting a personalized and consistent service environment at this specific location.

Cash Store fills a fast-cash niche for borrowers who need funds quickly and may not qualify for traditional bank loans. However, the website discloses no loan amounts, interest rates, or APR anywhere on the page, making cost comparison impossible before applying. The mandatory in-person store visit limits accessibility for those without transportation. A checking account active for at least 30 days is required, which may exclude some underbanked applicants despite the prepaid card offering. Consumers should request full rate and fee disclosures before accepting any loan agreement.

Services & Features

Document upload portal for pre-qualification
Google Reviews integration for reading and leaving store reviews
In-store loan application and underwriting
Matricula Consular card accepted for ID verification
Netspend Prepaid Mastercard® (reloadable)
Online pre-qualification form
Remote refinancing for existing retail customers
Remote reloans for existing retail customers
Same-day loan funding
Unsecured installment loans

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Same-day funding available for approved applicants
  • Online pre-qualification form reduces time spent completing in-store paperwork
  • Accepts Matricula Consular card as valid ID, broadening eligibility for immigrant borrowers
  • Bad or no credit does not automatically disqualify applicants per website disclosure
  • 4.9-star Google rating across 208 reviews at this specific location
  • Existing customers can refinance or reloan remotely by phone without a store visit
  • Netspend Prepaid Mastercard available for customers without a traditional bank account

Cons

  • No loan amounts, interest rates, or APR disclosed anywhere on the website
  • In-person store visit required to complete application — not a fully online process
  • Checking account must be active for at least 30 days, excluding recently opened accounts
  • Limited hours: closes at 6pm weekdays, 2pm Saturday, and closed all day Sunday
  • Only one core loan product offered — no secured loan, line of credit, or payday loan alternatives listed

Rating Breakdown

Value
2.0
Effectiveness
1.5
Customer Service
2.2
Transparency
2.0
Ease of Use
3.9

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Frequently Asked Questions

Is Cash Store legitimate?

Yes. Cash Store is a registered company, headquartered in 4869 Bryant Irvin Rd, Fort Worth, TX 76132.

Quick Facts

Headquarters
4869 Bryant Irvin Rd, Fort Worth, TX 76132
BBB Accredited
No
Starting Price
Contact provider
Setup Fee
None
Money-Back Guarantee
No
Visit Cash Store

CreditDoc Diagnosis

Doctor's Verdict on Cash Store

Cash Store #30796 is best suited for northwest Houston residents who need fast emergency cash and have limited or damaged credit, particularly those able to visit the store during its restricted business hours. The primary caveat is that the website discloses zero pricing information — loan costs, rates, and terms are entirely unknown until the in-store underwriting process is completed, making it impossible for borrowers to compare costs in advance.

Best For

  • Northwest Houston residents who need same-day emergency cash and can visit the Tomball Pkwy location
  • Applicants with thin or damaged credit who cannot qualify for traditional personal loans
  • Immigrant borrowers with a Matricula Consular card as their primary form of ID
  • Existing Cash Store customers seeking to refinance or extend an active installment loan remotely
Updated 2026-04-29

More Emergency Cash

Financial Wellness Guides

Financial Terms Explained (10 terms)

New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.

Interest & Rates

APR — Annual Percentage Rate

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.

Why it matters

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.

Compound 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.

Why it matters

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.

MAPR — Military Annual Percentage Rate

A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.

Why it matters

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.

Usury Rate — Usury Rate (Interest Rate Cap)

The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.

Why it matters

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.

How Loans Work

Collateral — Loan Collateral

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.

Why it matters

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.

Fees & Costs

Late Fee — Late Payment Fee

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.

Why it matters

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.

NSF Fee — Non-Sufficient Funds Fee

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.'

Why it matters

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.

Legal Terms

Usury — Usury (Illegal Interest)

The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.

Why it matters

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.

Credit Cards

Cash Advance — Credit Card Cash Advance

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.

Why it matters

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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