What is Cashland?
Cashland is a trusted provider of alternative financial services (AFS) in the United States. For customers who are unbanked or underbanked, Cashland offers solutions like payday loans, check cashing, title loans, pawn services, money transfers, bill payment, and prepaid debit cards.
The core promise of Cashland is speed, convenience, and accessibility. Whether you need emergency cash, face credit challenges, or require services outside traditional banking hours, Cashland provides quick solutions.
Fast Loans & Check Cashing Services
Cashland Check Cashing Services
- Loan Amounts: $50 – $1,000 (depending on state laws)
- Requirements: ID, proof of income, checking account
- Features: Same-day cash, minimal credit checks, accessible even with bad credit
- Risks: Very high APR (400%+), rollover fees, debt cycle risk
Cashland Check Cashing Services
- What it is: Convert payroll, government, or personal checks into instant cash
- Fees: 2% – 5% or flat fee ($3 – $10+)
- Types Cashed: Payroll, government, tax refunds, insurance, money orders
Cashland Pawn Loans – Quick Cash for Valuables
- Collateral: Jewelry, electronics, instruments, tools
- Loan Amount: Based on appraisal value
- Redemption: Repay loan + interest within 30–90 days to reclaim item
- Alternative: Sell outright for higher cash upfront
Cashland Money Transfers & Bill Payments
- Money Transfers: Domestic & international via partners like MoneyGram
- Bill Pay: Utilities, rent, phone bills for a small fee
- Money Orders: Secure way to pay without a bank account
Cashland Prepaid Debit Cards & Reload Services
- Load cash at a Cashland location
- Use anywhere Visa/Mastercard is accepted
- Fees: purchase, reload, monthly maintenance, ATM withdrawals
Cashland Mobile App – Features & Benefits
- Store locator with directions & hours
- Manage payday loan balances & due dates
- Start loan applications (final approval in-store)
- Get payment reminders & account notifications
Fees & Costs – Cashland vs Alternatives
| Service | Cashland Cost | Bank Cost | Online Competitor | Notes |
|---|---|---|---|---|
| $500 Payday Loan (2 weeks) | $100 fee = 521% APR | N/A | $75–$125 | Extremely high |
| Cashing $500 paycheck | $15 (3%) | $0 (with account) | $3–$8 | Banks cheapest |
| Pawn Loan $100 (1 month) | $20 fee = 240% APR | N/A | Similar | Expensive option |
Pros & Cons of Using Cashland
Pros
- Fast cash in minutes
- Minimal credit requirements
- Wide range of services
- Convenient store locations
Cons
- Fewer consumer protections than banks
- Very high APR & fees
- Risk of debt trap (payday/title loans)
- Possible loss of assets (car/pawn items)
Smart Alternatives to Cashland
- Credit union small loans (PALs) – max 28% APR
- Emergency fund savings
- Negotiating payment plans directly with billers
- Selling items online instead of pawning
- Local nonprofits/charities support
- 0% APR credit card offers
Cashland FAQs
Q: Is Cashland legitimate?
A: Yes, Cashland operates licensed storefronts across multiple states.
Q: Can I get a loan online?
A: Applications can be started online/app, but funding is in-store.
Q: What happens if I can’t repay on time?
A: Options may include repayment plans, rollovers (expensive), or default/collections.
Q: Where can I find Cashland near me?
A: Use the Cashland Store Locator or search “Cashland near me” on Google.
Final Words
Cashland is a well-known name in payday loans, check cashing, and other financial services. While it provides speed and convenience, the high costs and risks make it essential to carefully consider alternatives before using these services.
If you do use Cashland, borrow only the minimum amount you need, fully understand the fees, and have a clear repayment plan. Long-term, building an emergency fund and using safer credit options will help you avoid dependence on high-cost loans.