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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.
Data compiled from public sources
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 (eligibility claim to verify, 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.
This is state-level context for Check Cashing & Money Services consumers in Dallas, TX. It does not confirm that Cliff's Check Cashing #37 or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Short-term lending status: Legal
General rate context: 10% for written contracts (18% default); payday/auto title loans regulated as credit access businesses
Texas allows payday and auto title lending through the Credit Access Business model, which lacks state-level fee caps. Several cities have enacted local ordinances to limit loan amounts and rollovers. Consumers can file complaints with the Office of Consumer Credit Commissioner or the Attorney General.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Cliff's Check Cashing #37 offers 16 services including Payroll check cashing, Tax refund check cashing, Two-party check cashing, Cashier's check cashing, Insurance check cashing, and 11 more.
Cliff's Check Cashing #37 has profile signals associated with Unbanked and underbanked individuals needing fast check cashing on weekends/holidays when banks are closed, Small business owners needing to cash business-related checks outside traditional banking channels, Customers with two-party or non-standard checks that banks refuse to process, Frequent users of check cashing and bill payment services who can benefit from High Volume Customer Club discounts.
Key strengths: Accepts wide variety of check types including two-party, cashier's, insurance, and lawsuit settlement checks that banks often refuse; Personal installment loans up to $1,760 positioned as lower-interest alternative to short-term payday loans; Online check upload feature allows customers to initiate cashing process remotely, saving time in-person. Areas to consider: Check cashing fees are charged on transactions, though website describes them as 'ridiculously low' per one review, specific rates not disclosed; Personal installment loans still represent higher-cost borrowing compared to traditional bank loans or credit union PALs.
In the Check Cashing & Money Services category, comparable providers include Cash Express, Cash Money, Order Express - Houston E Tidwell Check Cashing. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Cliff's Check Cashing #37 is profile signals 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.
ACE Cash Express operates 34+ Houston-area store locations offering check cashing, payday loans, installment loans, and title loans with extended weekday and weekend hours.
Profile signals: Consumers with urgent same-day cash needs for unexpected expenses or emergencies, Individuals without bank accounts or traditional credit access seeking check cashing
ACE Cash Express operates 34+ locations in Houston offering check cashing, payday loans, installment loans, and title loans with provider-stated funding timing and extended evening/weekend hours.
Profile signals: Consumers facing genuine one-time emergencies (medical bills, car repairs, evictions) with limited alternatives, Individuals without bank accounts who need check cashing or money transfer services
Order Express provides check cashing, money transfers, bill payment, and cryptocurrency ATM services across 75+ U.S. locations. Operating since 1993, they serve 150,000+ customers without requiring a bank account.
Profile signals: Unbanked and underbanked consumers who need immediate check cashing without a bank account, Spanish-speaking immigrants and communities sending money to Mexico and Latin America
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