PLS Check Cashers

Payday loans · also check cashing, money transfer, money orders · 11200 Northwest Fwy, Central Northwest

★ 4.8 · 1,076 ratingsHours listed

Open 24 hoursOpen Sundays

Should you go here?

Average reviews, but the loan itself is expensive.

Its share of bad reviews is about average for Houston. The risk is the product: fees are high and renewing adds the fee again. Compare a cheaper option first.

Good sign

What borrowers say4.8★

1,076 ratings. Known for fast service. The owner answers complaints.

What borrowers say ↓

Watch out

Bad reviews5%

of its written reviews are 1–2★, a higher share than at 54% of Houston stores. 9th of 20 PLS Check Cashers branches here.

How it compares ↓

Watch out

What it costs$308 / month

In fees on a $1,000 loan, at the Houston area average. Texas sets no cap on these fees.

Work out your cost ↓

Check it

LicenceLook it up

Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.

OCCC licence search ↗

A cheaper routeA credit-union loan could save you about $857 on $1,000 over 3 months →0.2 mi away · installment loansHeights Finance — ★ 4.9, few bad reviews →

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 PLS Check Cashers 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

This store5%

Average PLS Check Cashers branch in Houston6%

Average Houston payday loan store5%

Bad reviews by year · 9% in 2026

212223242526

What borrowers say

Ask for Zoe
Known for fast service
The owner answers complaints

Counted in 871 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service69 reviews · 7.9 per 100
Treats you with respect10 reviews · 1.1 per 100
Short waits6 reviews · 0.7 per 100
Explains the terms clearly3 reviews · 0.3 per 100

What to watch for

Rude staff14 reviews · 1.6 per 100

Complaints are counts only.

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

At the store

Walk in, no appointment · Wheelchair access · Parking

Customer service 1-855-856-9757

From pls247.com, checked September 2026

pls247.com/terms-of-use.html

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.

A cheaper route

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.

Credit-union PAL$1,067

This payday loan, renewed twice$1,924

Total repaid on $1,000 over 3 months, at the Houston area average fee (OCCC) and the federal PAL cap (12 CFR 701.21).

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.

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In borrowers’ own words

“Always in and out and Destiny is always nice and quick”
“Carolina was respectful and had a good sense of humor, one of my favorite representatives coming to this location !!!!”
“Fast and easy , come early on Fridays for no line”
“I haven't cashed here since the pandemic, and they were very great at figured out everything I needed and explained everything perfectly in a timely manner”

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.

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