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Mr. Payroll operates 84 franchise check-cashing locations nationwide, primarily in convenience stores and gas stations, offering check cashing, bill payments, money transfers, and prepaid debit cards.
Data compiled from public sources
Mr. Payroll was established in 1988 in Amarillo, Texas, as a response to consumers who lacked access to traditional banking services. The company created a straightforward solution: low-cost, hassle-free check cashing on payday. In 1989, Mr. Payroll opened its first test model inside a convenience store, proving the viability of the compact 48-square-foot format. This success led to franchise expansion across the southwestern United States, and the company has been part of the Cash America family of companies since 1994.
Today, Mr. Payroll operates through approximately 41 franchisees managing 84 locations across the country. As of March 31, 2015, the company offers check cashing, bill payments, money orders, money transfers, and prepaid debit card services. The franchise model allows Mr. Payroll to embed financial services in retail environments—convenience stores, gas stations, and neighborhood service centers—making access convenient for consumers without traditional bank accounts. Service availability varies by location.
Mr. Payroll distinguishes itself through its franchise philosophy of "You are in business for yourself, not by yourself," emphasizing close collaboration with franchise owners and operators. The company has been recognized as a TOP 500 Franchisee by Entrepreneur magazine from 2010 to 2013. Mr. Payroll maintains membership in the National Association of Convenience Stores (NACS), Financial Service Centers of America, Inc., and the International Franchise Association, signaling alignment with industry standards.
As a non-bank financial services provider, Mr. Payroll fills a genuine gap for unbanked and underbanked consumers. However, check-cashing services typically carry transaction fees that exceed what traditional banks charge. The franchise model means service quality and availability depend on individual franchise operators, creating inconsistency across locations. Additionally, as an affiliate of Cash America International (a major pawn and payday lender), Mr. Payroll operates within a broader financial services ecosystem focused on alternative lending rather than helping consumers transition to mainstream banking.
This is state-level context for Check Cashing & Money Services consumers in Arlington, TX. It does not confirm that Mr Payroll 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.
Mr Payroll offers 9 services including Check cashing, Bill payments, Money transfers, Money orders, Prepaid debit cards, and 4 more.
Mr Payroll has profile signals associated with Unbanked and underbanked consumers who need immediate check-cashing access on payday, Individuals without access to traditional checking accounts seeking convenient bill payment services, Consumers in areas with limited banking infrastructure who rely on retail-based financial services, People needing occasional money transfer or money order services in convenient locations.
Key strengths: Operates 84 locations in convenient retail environments (convenience stores, gas stations) requiring minimal space; Established since 1988 with 26+ years of operational history in check-cashing services; Part of Cash America International, a major financial services company with NYSE listing (ticker CSH). Areas to consider: Check-cashing services typically charge per-transaction fees that are more expensive than traditional bank checking accounts; Service availability varies significantly by location, with not all services offered at every franchise.
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
Mr. Payroll is best suited for unbanked consumers without traditional checking accounts who need immediate access to check cashing and bill payment services. The primary caveat is that check-cashing fees are higher than bank accounts, and service quality varies significantly across the 84 franchised locations.
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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