Auto Title Loan
Review this provider profile and compare source-linked details before choosing what to do next.
BBB: NR
Profile signals: Borrowers facing unexpected expenses, People needing provider-stated funding timing
The Payday Loan Store in Kaufman, TX
No stored Google rating available.
The Payday Loan Store in Kaufman, TX offers cash advance and loan services. Established in 2006, they provide fast emergency funding during business hours.
Data compiled from public sources
The Payday Loan Store Review
The Payday Loan Store has been operating in Kaufman, Texas since 2006, making it an established fixture in the local emergency lending market. Located at 105 Terrell Highway, the company is categorized as a cash advance and loan service provider, positioning itself within the emergency-cash lending segment. The business operates a physical storefront location, suggesting face-to-face lending interactions rather than purely online operations.
Based on the available website information, The Payday Loan Store offers cash advance and loan services typical of emergency lending providers. The company maintains consistent business hours Monday through Friday from 10:00 AM to 6:00 PM, with weekend closures. Their primary service offering appears to be short-term cash advances designed to provide quick funding to consumers facing immediate financial needs. However, detailed information about specific loan products, amounts, terms, fees, APR rates, or application processes is not available on the listed website content.
The Payday Loan Store differentiates itself through its long-standing presence in Kaufman (17+ years in operation) and physical brick-and-mortar location, which may appeal to customers preferring in-person transactions. The company's extended weekday hours (10 AM–6 PM) accommodate working individuals seeking short-term funds. However, the business does not maintain an active online presence, as evidenced by the absence of a website URL, email contact information, or digital service options in the directory listing.
Prospective borrowers should note that comprehensive information about this lender's products, pricing, and terms is extremely limited in available sources. The lack of online presence, published rates, or detailed service descriptions makes it difficult to assess competitiveness, loan quality, or consumer-protection context. Consumers considering this lender are advised to contact them directly at (972) 932-6212 to understand their specific offerings, fees, and loan terms before proceeding.
Services & Features
Cash advance loans
Emergency short-term funding
In-person loan applications at physical location
Loan services for consumers needing fast cash
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Established business operating since 2006 with 17+ years of local market presence
- Physical storefront location at 105 Terrell Hwy in Kaufman for in-person service
- Extended weekday business hours (10 AM–6 PM Monday–Friday) accommodating working customers
- Local, accessible option for Kaufman, TX residents requiring emergency cash
- Direct phone contact available at (972) 932-6212 for immediate inquiries
Cons
- No active website, email contact, or online presence for information or applications
- No published information about loan amounts, terms, fees, interest rates, or APR available
- Closed weekends (Saturday–Sunday), limiting access for those unable to visit weekdays
- Limited online reviews or ratings available (0 reviews in directory)
- No listed pricing or product details published; borrowers must call blindly for terms
Compare Personal Loan Options
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State Consumer Finance Context
This is state-level context for Emergency Cash consumers in Kaufman, TX. It does not confirm that The Payday Loan Store or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Payday loan rules in Texas
Status: Permitted
Rate context: No state fee cap; structured through Credit Access Business (CAB) model with effective APRs frequently exceeding 500%
Payday loans are legal in Texas but operated as Credit Access Businesses (CABs) that arrange loans through third-party lenders, exempting them from state usury rate caps. Several cities (Austin, Dallas, San Antonio, Houston) have enacted local ordinances imposing loan amount limits and rollover restrictions. Austin limits CAB loans to $1,500 and restricts rollovers; Dallas limits loans to $500 with 90-day mandatory waiting period between loans. The Texas Finance Code (Tex. Bus. & Com. Code § 59.001-59.060) regulates CABs but does not establish fee caps.
Installment loan rules in Texas
Status: Permitted
Rate context: 10% APR for written contracts; 18% APR default rate (Tex. Bus. & Com. Code § 307.003)
Installment loans are regulated under Texas Finance Code; same rate caps apply as personal loans for consumer lending transactions
Key state rules to check
- Payday and auto title lenders operate as Credit Access Businesses (CABs) arranging loans through third-party lenders.
- No state cap on CAB fees; effective APRs frequently exceed 500%.
- Several cities (Austin, Dallas, San Antonio, Houston) have enacted local payday lending ordinances.
Complaint resources
- Texas Office of Consumer Credit Commissioner - State Regulator
- Texas Attorney General Consumer Protection Division - State AG
- Consumer Financial Protection Bureau (CFPB) - Federal
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Frequently Asked Questions
What services does The Payday Loan Store offer?
The Payday Loan Store offers 4 services including Cash advance loans, Emergency short-term funding, In-person loan applications at physical location, Loan services for consumers needing fast cash.
What profile signals are listed for The Payday Loan Store?
The Payday Loan Store has profile signals associated with Kaufman, TX residents preferring face-to-face lending interactions, Consumers available during standard weekday business hours (10 AM–6 PM), Borrowers seeking emergency cash from an established local lender with long market history.
What are the strengths and weaknesses of The Payday Loan Store?
Key strengths: Established business operating since 2006 with 17+ years of local market presence; Physical storefront location at 105 Terrell Hwy in Kaufman for in-person service; Extended weekday business hours (10 AM–6 PM Monday–Friday) accommodating working customers. Areas to consider: No active website, email contact, or online presence for information or applications; No published information about loan amounts, terms, fees, interest rates, or APR available.
How does The Payday Loan Store compare to similar companies?
In the Emergency Cash category, comparable providers include Auto Title Loan, Car Title Loan, EZ Cash Title Loans. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
Quick Facts
- Headquarters
- 101 Terrell Hwy, Kaufman, TX 75142
- BBB Accredited
- No
No Website Currently Available
CreditDoc Profile Note
Research Note on The Payday Loan Store
The Payday Loan Store is best suited for Kaufman-area residents who prefer in-person lending transactions and can visit during weekday hours. The primary caveat is the complete absence of online information—borrowers must call (972) 932-6212 directly to learn about specific loan products, rates, and terms, as no pricing or service details are publicly available.
Profile Signals
- Kaufman, TX residents preferring face-to-face lending interactions
- Consumers available during standard weekday business hours (10 AM–6 PM)
- Borrowers seeking emergency cash from an established local lender with long market history
Updated 2026-05-23
Similar Companies
Car Title Loan
Blaze Payday Loans is an online loan marketplace connector that connects borrower inquiries to third-party payday and personal lenders for short-term cash access up to $10,000.
BBB: NR
Profile signals: Borrowers with bad credit needing emergency-cash timing to verify, Consumers seeking application-process timing claims for urgent expenses
EZ Cash Title Loans
Review this provider profile and compare source-linked details before choosing what to do next.
BBB: NR
Profile signals: Borrowers facing unexpected expenses, People needing provider-stated funding timing
Compare Your Needs With The Payday Loan Store
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Quick Summary
- The Payday Loan Store is listed as a Emergency Cash provider in Kaufman, TX on CreditDoc.
- Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
- If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
- For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.
Next Steps
Find contact or location Check phone, address, map, and website availability. Check specific services See whether the provider lists the help you need. Review fit context Use the quiz to compare category, service, and public-rating fields. Compare alternatives Review similar providers before making contact. Improve your position How to Read Your Credit Report (And Spot Errors) Learn the basics Start the free Credit Fundamentals course.
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 are required to 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 lower-cost 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 high-cost 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 may only be required 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 repeat-borrowing risk: 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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