Cash Store
Payday loans · 12220 Jones Rd Ste E, Oakley Terrace
★ 4.8 · 38 ratingsNo hours listed · call ahead
Should you go here?
Well reviewed, but the loan itself is expensive.
Borrowers leave fewer bad reviews here than at 97% of Houston stores. The risk is the product: fees are high and renewing adds the fee again. Compare a cheaper option first.
38 ratings. Nothing comes up often enough in its reviews to call out.
of its written reviews are 1–2★, a lower share than at 97% of Houston stores. 1st of 17 Cash Store branches here.
In fees on a $1,000 loan, at the Houston area average. Texas sets no cap on these fees.
You need a checking account. Income from benefits or retirement counts.
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 Houston and every other Cash Store branch.
Rating
4.8Higher than 45% of Houston loan stores. City average is 4.4.
Lowest rated in HoustonHighest
Bad reviews (1–2★), share of written reviews
What borrowers say
Stars in its 26 written reviews
Latest review Jan 2024 · 0 in the last year · Owner replied to 8 of 26
No one thing comes up often enough to count as a theme.
Work out what you’d repay
Payday lenders in the Houston area report an average fee of $17.46 per $100 for 17 days (OCCC, Q2 2026) — about $30.81 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
$1,308
$1,000 you borrowed$308 in fees
Paid back in one go after about a month. If you can’t pay, renewing costs another $308 each month and doesn’t reduce what you owe.
Before you go
What to take, and what to ask before you sign.
Bring these
Their website doesn’t list documents. Call ahead and ask what to bring.
Who they lend to
- You need a checking account
- Income from benefits or retirement counts
At the store
Wheelchair access
From cashstore.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 $857.
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.
- 1Check `n GoPayday loans · 0.5 mi★ 4.9Few bad reviews
- 2Buzzard Breath Check CashingCheck cashing · 1.0 mi★ 4.8
- 3TitleMax Title LoansTitle loans · 1.1 mi★ 5.0Few bad reviews
- 4Advance AmericaPayday loans · 1.1 mi★ 5.0Few bad reviews
- 5Tower LoanInstallment loans · 1.1 mi★ 4.9Few bad reviews
- 6Cash America PawnPawn loans · 1.2 mi★ 3.3Many bad reviews
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Payday loans.
Part of a chain: Cash Store has 38 locations across the Texas cities we cover — Houston (17), El Paso (7), Fort Worth (4), Corpus Christi (3), Dallas (3), San Antonio (2), Brownsville (2). See the Cash Store brand page.