PLS Check Cashers
Payday loans · also check cashing, money transfer, money orders · 4263 Hemphill St, Worth Heights
★ 4.9 · 1,673 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 Fort Worth. The risk is the product: fees are high and renewing adds the fee again. Compare a cheaper option first.
of its written reviews are 1–2★, a lower share than at 50% of Fort Worth stores. 2nd of 5 PLS Check Cashers branches here.
In fees on a $1,000 loan, at the Fort Worth 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 Fort Worth and every other PLS Check Cashers branch.
Rating
4.9Higher than 50% of Fort Worth loan stores. City average is 4.5.
Lowest rated in Fort WorthHighest
Bad reviews (1–2★), share of written reviews
Bad reviews by year · 9% in 2026
What borrowers say
- Ask for Rosa
- The owner answers complaints
Counted in 1,208 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 Fort Worth area report an average fee of $29.04 per $100 for 18 days (OCCC, Q2 2026) — about $48.40 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
$1,484
$1,000 you borrowed$484 in fees
Paid back in one go after about a month. If you can’t pay, renewing costs another $484 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
Walk in, no appointment · Wheelchair access · Parking · 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 $1,385.
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
- “Alma tiene muy buen servicio al cliente .siempre me alluda rapido y hamabilidad.”
- “Very good customer service and no line come cash your check here 😃”
- “Gracias esmeralda por ayudarme con mi envíos me gusta el servicio bilingüe y todas dan muy bien servicio”
- “Reyna and Christian have great customer service very fast and 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.
Busy times
How busy this place usually is, hour by hour.