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877-657-2274



Store Hours
Monday - Thursday
9:30 AM to 6:00 PM
Friday
9:30 AM to 7:00 PM
Saturday
10:00 AM to 3:00 PM
Sunday
Closed


2012 CFSA Member

FAQ - Frequently Asked Questions

Click on a topic below or scroll down to browse all of the questions.

Payday Loans

How much can I borrow with a payday loan?

The maximum loan amount per Virginia State Law is $500.00. Cash-2-U offers payday loans from $50.00 to $500.00.

What are the requirements to get a payday loan?

    The requirements to obtain a payday loan from Cash-2-U are:
  • Be on your job for at least 3 months and have a verifiable source of net income of at least $800 to $1,000 depending on city and location
  • Have a checking account that has been open and active for at least 30 days
  • A home phone or working cell phone

When will my payday loan be due?

    Per Virginia State law the term of the loan is based on your pay frequency. Below are listed the terms for various pay frequencies.
  • If you are paid weekly the loan term will be 28 days
  • If you are paid bi-weekly your loan term will be 28 days
  • If you are paid semi-monthly your loan term will be 31 days
  • If you are paid monthly your loan term will be 62 days.

What do I need to bring with me when I come into the office?

    You will need to bring the following documents:
  • Your state issued identification card or driver’s license
  • Your most recent bank statement or printout of the last 30 days of activity
  • A blank check
  • A recent pay stub or award letter (for fixed income customers)

How often can I get a payday loan?

Per Virginia State Law you are permitted to receive up to 5 payday loans in any rolling 180 day period of time.

Can I get a payday loan if I have bad credit?

Yes, Cash-2-U does not run credit reports. We make our credit decision based on the customer’s ability, stability and previous payment history with Cash-2-U.

What are the interest rates and fees for a payday loan?

The interest rates and fees are listed here.

Can I get a payday loan if I am in the military?

No, due to various state and federal laws if you are an active duty member of the military or a dependent of an active duty member of the military we are not permitted to offer you a payday loan.

Can I get a payday loan online?

Not at this time, but we are currently working with the State of Virginia and hope to offer this option in the future.

How long does it take to get a payday loan?

We can normally process a first time customer in less than 15 minutes assuming the customer has all of the documentation required.

Can I get another payday loan if I already have one open?

No, Per Virginia State Law you can only have one loan open at any given time and if you pay a loan off you are not permitted to receive another loan until the next business day assuming you have not received 5 payday loans in the last 180 day period.

Learn more about payday loans

Title Loans

How much can I borrow with a Title Loan?

Cash-2-U offers Title Loans from $50 to $10,000.

How long does it take to get a title loan?

Most first time customers are processed in less than 20 minutes assuming they have all of the proper documentation.

What are the requirements to get a title loan?

    The amount of a title loan is based on the value of the vehicle and the customer's income. The requirements are:
  • The customer must have a verifiable source of income of at least $800 to $1,000 depending on city and location
  • The vehicle must be owned by the customer and be lien free and less than 20 years of age

What are the minimum and maximum term (monthly payments) options?

The borrower has the option to choose a term between 4 and 12 months. However, any loan can be paid off at anytime with no prepayment penalty. The borrower is only charged interest for the period of time they have borrowed the money.

What do I need to bring with me when I come into the office?

    You will need the following:
  • The vehicle that will secure the loan, so we can inspect it
  • Your state issued driver’s license or identification card
  • The title to the vehicle showing no liens
  • A recent pay stub or verification of income (award letter or tax return for self employed individuals)

How often can I get a title loan?

There is no limit on how many title loans you can receive. However, you can have only one title loan outstanding on one vehicle at any given time and if you pay off a title loan in full you can not obtain a new title loan until the next business day.

Can I get a title loan if I have bad credit?

Yes, Cash-2-U’s credit decisions are based solely on the value of the vehicle, your income and any previous payment history with Cash-2-U.

What are the interest rates and fees for a title loan?

The interest rates and fees are listed here.

Can I get a title loan if I am in the military?

No, due to various state and federal laws if you are an active duty member of the military or a dependent of an active duty member of the military, we are not permitted to offer you a payday loan.

Learn more about title loans

General

What is the phone number of Cash-2-U?

The main number is 877-657-2274 or the individual store numbers are listed on the Locations page.

What are the store hours of Cash-2-U?

Monday to Thursday - 9:30 am to 6:00 pm
Friday - 9:30 am to 7:00 pm
Saturday - 10:00 am to 3:00 pm
Sunday - Closed

What is the closest Cash-2-U location to me?

To find the closest Cash-2-U location, go to the Locations page or call 877-657-2274 and your call will be routed to the closest store.

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