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Part of the Cash Store chain · locations
Cash Store in Plano, TX
Cash Store at 2100 Dallas Parkway in Plano, TX offers quick payday and title loans.
Data compiled from public sources · Rating from CreditDoc methodology
Cash Store Review
The Cash Store location at 2100 Dallas Parkway, Suite 145 in Plano, TX is a standalone storefront specializing in payday and title loans. This Plano branch is open Monday through Friday from 10 AM to 6 PM, and Saturday from 10 AM to 2 PM, making it convenient for Plano residents seeking quick financial assistance.
At this Cash Store location, you can apply for payday loans, title loans, and other short-term lending products. Call +1 972-403-7245 to speak with a loan officer about your borrowing options or application requirements.
If you're in Plano, TX and need immediate cash, bring your government ID, proof of income, and banking details to expedite your application. This Plano storefront provides accessible lending to help bridge temporary financial gaps.
Services & Features
Document upload and verification services
In-person customer service and loan consultation
In-store underwriting and credit decision determination
Loan payment scheduling according to fixed repayment terms
Netspend Prepaid Mastercard reloadable card services
Online pre-qualification form with streamlined application process
Physical retail location with extended weekday and Saturday hours
Retail refinancing and reloans for existing customers via phone
Same-day loan funding after approval and loan agreement acceptance
Unsecured installment loans for purchases, bill consolidation, and unexpected expenses
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Same-day funding explicitly advertised after in-store approval and loan agreement execution
- Physical retail location with extended operating hours (10 AM–6 PM weekdays) enabling walk-in access
- Online pre-qualification available to streamline the application process before store visit
- Stated willingness to consider applicants with bad credit or no credit history during underwriting
- High customer satisfaction reflected in 4.9/5 Google rating from 211 verified reviews
- Friendly, personalized service with staff members named in customer testimonials
- Reloans and refinancing available for existing customers via simple phone process
Cons
- No interest rates, APRs, or loan term examples disclosed on the website, making cost comparison impossible
- Requires active checking account open for at least 30 days, excluding unbanked consumers
- In-store application required after pre-qualification; cannot complete entirely online
- High-cost lending model typical of non-bank providers; likely substantially more expensive than traditional bank loans
- Website contains maintenance notice ('Check `n Go website is currently down for system maintenance'), suggesting operational or branding transition issues
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
Compare the Best Personal Loan Options
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Frequently Asked Questions
Is Cash Store legitimate?
Yes. Cash Store is a registered company, headquartered in 2100 Dallas Pkwy Ste 145, Plano, TX 75093.
Quick Facts
- Headquarters
- 2100 Dallas Pkwy Ste 145, Plano, TX 75093
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Cash Store
Cash Store is best suited for consumers facing genuine financial emergencies who need same-day access to cash and cannot qualify for bank loans, but cannot be used for comparison shopping since rates and terms are not disclosed online. Applicants must visit a physical location and have an active checking account; the true cost of borrowing relative to credit unions, payday alternatives, or debt consolidation should be evaluated before commitment.
Best For
- Consumers needing emergency cash within 24 hours and unable to qualify for traditional bank loans
- Individuals with poor credit history or limited credit profile seeking rapid, in-person lending
- Borrowers requiring bill consolidation or funds for unexpected major expenses with minimal approval timeline
- Unbanked or underbanked consumers seeking prepaid card alternatives to traditional banking
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →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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