PLS Check Cashers
Payday loans · also check cashing, money transfer, money orders · 9616 N Lamar Blvd #199, North Austin Civic Association
★ 4.7 · 450 ratingsHours listed
Open 24 hoursOpen SundaysSe habla español
Should you go here?
Average reviews, but the loan itself is expensive.
Its share of bad reviews is about average for Austin. The risk is the product: fees are high and renewing adds the fee again. Compare a cheaper option first.
450 ratings. Known for fast service. The owner answers complaints. Common complaint: rude staff.
of its written reviews are 1–2★, a higher share than at 49% of Austin stores.
In fees on a $1,000 loan, at the Austin area average. Texas sets no cap on these fees.
Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.
From ratings and written reviews of this store, state fee data (OCCC, Q2 2026) and the chain’s own website. Checked September 2026. We don’t lend and no store pays us.
How it compares
Against every loan store in Austin.
Rating
4.7Higher than 52% of Austin loan stores. City average is 4.3.
Lowest rated in AustinHighest
Bad reviews (1–2★), share of written reviews
Bad reviews by year · 9% in 2026
What borrowers say
- Ask for Rebecca or Angelina
- Cashes payroll and insurance and settlement checks
- Known for fast service
- Common complaint: rude staff
Counted in 405 written reviews. Bars: mentions per 100.
What borrowers appreciate
What to watch for
Complaints are counts only.
Work out what you’d repay
Payday lenders in the Austin area report an average fee of $28.43 per $100 for 17 days (OCCC, Q2 2026) — about $50.17 per $100 a month. Texas sets no cap on these fees, so ask this store for its own.
I want to borrow
and pay it back
You’d pay in total
$1,502
$1,000 you borrowed$502 in fees
Paid back in one go after about a month. If you can’t pay, renewing costs another $502 each month and doesn’t reduce what you owe.
Before you go
What to take, and what to ask before you sign.
Bring these
At the store
Wheelchair access · Se habla español
From pls247.com, checked September 2026
Ask these at the counter
- 1
What is the total I’ll repay, in dollars, and when?
Ask for it in writing before you sign.
- 2
What happens if I can’t pay on the due date?
Ask what a renewal costs and whether they call your employer or references.
- 3
Can I pay it off early, and is there a fee?
Texas law says your contract must allow early payoff with no penalty. Ask them to confirm.
Payday loans in Texas: how they work, your rights, how to get out →
Check the licence: OCCC licence search or call 800-538-1579.
Need $1,000 for 3 months? A credit-union loan could save you about $1,438.
A Payday Alternative Loan (PAL) from a federal credit union is $200–$2,000, repaid over 1–12 months, capped at 28% a year plus a $20 fee at most. You usually join the credit union first, which can take a day.
Nearby alternatives
The closest real storefronts — at least two take a different route. Numbers match the map.
Been to PLS Check Cashers?
Tell other borrowers what it was like. We read every review before it goes up, good or bad.
Write a reviewIn borrowers’ own words
- “After doing a verification of identity with her i was in and out in about 20 min”
- “Hola odalys gracias por tu antencion muy amable y me explico muy bien muy atenta y buena actitud , y su sonrisa es hermosa 🫶”
- “All the other employees were very respectful.”
Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.
About this lender
Payday loans, and also check cashing, money transfer, money orders.
Part of a chain: PLS Check Cashers has 53 locations across the Texas cities we cover — Houston (21), Dallas (14), San Antonio (8), Fort Worth (6), El Paso (2), Austin (2). See the PLS Check Cashers brand page.