Multi-location check cashing service offering payroll, tax refund, and personal checks plus personal installment loans up to $1,760, prepaid cards, and money transfer services.
Editorially reviewed by Harvey Brooks
Cliff's Check Cashing operates multiple locations across Texas, with '#37' being one franchised outlet in their network. The company positions itself as a financial services alternative to traditional banks, focusing on underserved communities that need fast access to cash and basic financial services. Founded on the principle of 'improving your financial livelihood,' Cliff's has built a reputation for customer service and accessibility.
The company's primary service is check cashing across multiple check types: payroll, tax refund, traveler's checks, two-party checks, worker's compensation, government, cashier's checks, lawsuit settlement checks, business checks, and insurance checks. Beyond check cashing, Cliff's offers personal installment loans ranging from $100 to $1,760, positioning these as alternatives to high-interest short-term loans. They also provide Netspend prepaid debit cards (no credit check, no minimum balance, no late fees), MoneyGram money transfer services, and various ancillary services including ATM access, bill and utility payments, money orders up to $1,000, mailbox rental, faxing, prepaid wireless pins, US postage stamps, and Texas Lottery ticket sales.
Cliff's differentiates itself through convenience features including online check upload functionality to save time, a High Volume Customer Club for frequent users, first-time customer coupons, and multilingual support (English and Spanish). The company emphasizes friendly, professional staff and quick service lines based on customer testimonials. All locations maintain consistent products and services, suggesting standardized operations across the franchise network.
As a check-cashing and installment loan provider, Cliff's serves primarily unbanked and underbanked populations seeking alternatives to traditional banking services. While the company offers legitimate financial services with positive customer reviews, the nature of check-cashing businesses inherently involves fees on transactions and the installment loans, while better than payday alternatives, still represent higher-cost borrowing compared to traditional bank loans.
Yes. Cliff's Check Cashing #37 is a registered company headquartered in 19021 Midway Rd, Dallas, TX 75287. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Cliff's Check Cashing #37 is best for Texas residents who are underbanked or need check cashing services outside standard banking hours, particularly those with non-standard check types. The main caveat is that while fees are reportedly competitive, check cashing and installment loans remain higher-cost financial services compared to traditional banking alternatives, suitable primarily for those without bank access rather than as a preferred financial choice.
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