PLS Check Cashers

Payday loans · also check cashing, money transfer, money orders, bill pay, tax preparation · 12601 Westheimer Rd #100, Westside

★ 4.6 · 851 ratingsHours listed

Open 24 hoursOpen SundaysSe habla español

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Should you go here?

Many bad reviews, and the loan is expensive.

Borrowers leave more bad reviews here than at 66% of Houston stores. The risk is the product: fees are high and renewing adds the fee again. Compare a cheaper option first.

Watch out

What borrowers say4.6★

851 ratings. Nothing comes up often enough in its reviews to call out.

What borrowers say ↓

Watch out

Bad reviews10%

of its written reviews are 1–2★, a higher share than at 66% of Houston stores. 19th 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 →0.4 mi away · title loansTitleMax Title Loans — ★ 5.0, 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

4.6Higher than 39% of Houston loan stores. City average is 4.4.

Lowest rated in HoustonHighest

Bad reviews (1–2★), share of written reviews

This store10%

Average PLS Check Cashers branch in Houston6%

Average Houston payday loan store5%

Bad reviews by year · 4% in 2026

212223242526

What borrowers say

Ask for Carla or Karina

Counted in 717 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service45 reviews · 6.3 per 100
Treats you with respect14 reviews · 2 per 100
Explains the terms clearly6 reviews · 0.8 per 100
Service in Spanish5 reviews · 0.7 per 100

What to watch for

Rude staff18 reviews · 2.5 per 100
Long waits12 reviews · 1.7 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 · Se habla español

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

“Alex was so help full and quick with the process of me cashing my check”
“Anytime I patronize any business I look for great respectful customer service”
“Alex helped me get my expectation card service was very smooth and she explained everything very good customer service”
“Excelente atención por parte de la trabajadora de aquí, y hablan español”

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, bill pay, tax preparation.

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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