Company Profiles

Cash Express, LLC Overview and Alternatives

Date Published: Jan 13, 2023
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Cash Express, LLC is a small-dollar lender that offers check-cashing services, prepaid debit cards, and short-term lending products. The company was founded by Garry Mcnabb in Cookeville, Tennessee, in 1995. The lender adheres to state legislation and federal laws to meet customer needs.

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The company also offers flex loans, payday loans, installment loans, title loans, pawn loans, and cash for gold. The company does not offer or approve credit transactions online. However, the lender has several brick-and-mortar locations throughout the United States.

Products and Services

Here are the services offered by Cash Express, LLC. 


Flex loan

An open line of credit that allows the borrower to receive up to $4,000. You only pay interest for the amount of time you keep the money.  

Payday loan

A short-term, small-dollar cash advance that is repaid in a lump sum within a few weeks.

Installment loan

A cash advance that allows the borrower to pay the loan back in multiple installments over an extended period.

Title loan

A loan that requires an asset as collateral. Typically, a borrower will receive a vehicle’s appraised amount as an advance.


Check cashing

Fast, convenient, and hassle-free way to get access to money without a bank account.

Pawn loan 

Trade in an item of value and receive the appraised value.

Cash for gold 

The company buys solid gold jewelry, watches, and coins in any condition and provides cash on the spot.

Rates and Fees

Rates and fees vary by loan product and state. Each state has its rates and requirements for payday loans. APR for Cash Express loans can reach the triple digits. However, your rate can change based on your creditworthiness and financial history. Additionally, state regulations and the type of loan play a factor in the rate you may be offered.

How to Apply for a Loan with Cash Express, LLC

The company does not offer or approve credit transactions online. Instead, the information you submit online will be used on the application for credit transacted at one of the company’s stores.

By completing the preliminary application information over the internet, you can significantly reduce your time in-store. However, application completion requires you to visit one of the company’s stores. If approved, credit proceeds will also be disbursed in person.

Step 1. Apply

Complete your online loan application by providing some personal and financial information. 

Step 2. Choose your terms

Cash Express may offer flexible terms as long as they comply with state restrictions and regulations.

Step 3. Receive your funds

If approved, your funds may be available in as little as one business day. 

Pros and Cons of Cash Express, LLC

All lenders come with both advantages and disadvantages. Therefore, it is essential to consider both the pros and cons of a lender before applying for a loan.




  • Several financial products 
  • May work with low-credit applicants
  • Minimum documentation
  • 24/7 customer support 



  • High fees
  • Some loan types aren’t available in all states
  • Doesn’t offer or approve credit transactions online



What Is Cash Express, LLC?

Cash Express is a lender offering check-cashing services, prepaid debit cards, and short-term lending solutions. Cash Express also offers flexible lines of credit, installment loans, payday loans, title loans, and pawn loans. The company is dedicated to serving individuals and communities with limited access to traditional financial services.

What Is the Minimum Credit Score That Cash Express, LLC Will Consider?

This lender may be willing to work with borrowers who suffer from damaged credit. Cash Express may consider income alongside credit scores when determining applicant eligibility. 

Can I Have a Payday Advance and Installment Loan at the Same Time?

No. Borrowers are only allowed to have one active loan at a time.

What If I Miss a Payment?

If you fail to make a payment, you can end up with bank overdraft fees, collections calls, and damage to your credit score. If you find yourself unable to make a payment, contact the lender immediately. They may be willing to work with you to avoid negative impacts on your credit score.  

Is Cash Express, LLC Safe?

Cash Express protects your data and privacy and utilizes its own proprietary systems and underwriting methodologies.

Additionally, the lender has multiple positive ratings from consumer reporting sites. 

How Much Does Cash Express, LLC Charge for Interest?

Your credit score, income, and the state you reside in play a role in determining the APR rate. However, average APR rates vary from 36% to 299%. For example, a $100 loan with a 14-day term in California would have:

  • Total interest of $17.64
  • Total APR of 459.90%
  • Total due amount of $117.64

What About Other Fees?

The company does not provide information about other fees on its website. However, other fees, such as administration costs, may be added depending on the state you reside in. Therefore, it is recommended that you directly contact the lender to learn about any additional fees.

Moreover, review your loan agreement to make sure all the rates and fees are correct.

Can I Get a Cash Express Loan if I Am Not Employed?

According to Cash Express, you must be employed and have proof of steady income to apply for a loan. 

How Many Times Can You Take Out a Loan?

The company does not specify on its website how many times you can take out a loan. The number of loans you can obtain is subject to state regulation. Therefore, it is best to consult with your lender to ensure you follow industry and state standards. 

Alternatives to Cash Express, LLC

If this lender is not the best fit for your financial needs, you can also try other options available in the industry. Below, you can find a few alternatives to this lender. However, these are just some of the numerous lenders available across the country. 


Check Into Cash

Check Into Cash is a short-term loan provider offering services for those who need access to funding. The company offers flexible funding solutions and nationwide reach. Check Into Cash’s payday loans are up to $1,000. Additionally, the company also offers check cashing services, bill pay, and gift cards.

The company was founded by Allan Jones in Cleveland, Tennessee, in 1993. Check Into Cash has more than 1,000 branch locations in 30 states. You can apply online or visit one of its walk-in stores available throughout the country. 

Check ’n Go

Check ’n Go is a storefront and online lender offering funds for those facing financial emergencies. The company provides payday loans, installment loans, cash advances, and check cashing services. The maximum amount the lender offers is $5,000 for installment loans, but the amount can vary by state and eligibility. 

Check ’n Go was founded by Jared Davis in Cincinnati, Ohio, in 1994. The lender has 1,000 locations across the U.S. You can apply online or visit one of its stores. 

Big Picture Loans

Formerly known as CastlePayday Loans, Big Picture Loans is a direct lender that offers short-term financing solutions. Funding amounts range from $200 to $3,500. Even if borrowers have a history of bankruptcy, bounced checks, or other credit problems, they may qualify for loans. 

Big Picture Loans was formed by the Lac Vieux Desert Band of Lake Superior Chippewa Indians in 2012. Greg Hannan is the owner of Big Picture Loans. The company is organized and licensed under Tribal law and is in Watersmeet, on the Tribe’s reservation. You can apply online.

Ana-Maria Sanders, author at OpenLoans
Lead Writer
Ana-Maria Sanders is a highly-regarded writer with over a decade of expertise in the personal finance sphere, specializing in loans and credit cards.
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