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Check Cashing and Payday Loan Stores in Waco, TX

16 of the 37 pawn shops, check cashing and loan stores we list in Waco are check cashing or payday loan services.

Stores in this category vary significantly by the type of financial products they offer, ranging from simple payroll check cashing to short-term installment loans and personal credit lines. Processing fees, required identification, and funding speeds differ between dedicated check cashers and traditional consumer loan offices. A map pin shows proximity, but it will not indicate whether a specific location handles hand-written checks, government benefits, or immediate cash payouts.

  1. First Cash Advance

    4271 Interstate 35 N, Waco, TX 76705-7021

    Buys goldJewelryElectronicsLayaway
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  2. Toledo Finance

    1412 N Valley Mills Dr Ste 124, Waco, TX 76710

    Layaway
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  3. Waco

    2404 W Waco Dr, Waco, TX 76701-1047

    Layaway
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  4. Advance America

    807 N Valley Mills Dr, Waco, TX 76710

    Mon: 10:00 AM–6:00 PM, Sat: 10:00 AM–3:00 PM, Sun: Closed

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  5. Security Finance

    2508 W Waco Dr, Waco, TX 76710

    Monday–Thursday 8:30 AM – 5:30 PM

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  6. Sun Loan Company

    2401 W Waco Dr Ste B, Waco, TX 76707

    Monday–Saturday 8:30 AM – 12:30 PM

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  7. Speedy Cash

    4217 W Waco Dr, Waco, TX 76710

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  8. OneMain Financial

    5172 W Waco Dr, Waco, TX 76710

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  9. Cash Store

    1707 S Valley Mills Dr, Waco, TX 76711

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  10. Cash Store

    5301 Bosque Blvd Ste 110, Waco, TX 76710

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  11. OneMain Financial

    2704 W Loop 340, Ste 12, Waco, TX 76711

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  12. Texas Car Title & Payday Loan Services

    639 N Valley Mills Dr, Waco, TX 76710-4847

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  13. Covington Credit

    2506 W Waco Dr, Waco, TX 76710

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  14. Ez Payday Loans

    301 E Waco Dr, Waco, TX 76704

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  15. Onemain Financial

    3707 Franklin Ave, Waco, TX 76710

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  16. Hobby Services

    5201 Sanger Ave, Waco, TX 76710-8714

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Bring the right documentation. Bring a valid government-issued photo ID, your most recent proof of income or pay stub, and a recent utility bill to verify your current residence before applying for a loan or cashing a check.

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Check Cashing and Payday Loan Stores near Waco

Good to know

What do I need to bring to cash a payroll or government check?

You typically need a current government-issued photo ID, such as a driver's license or passport, and the endorsed check. Some stores may also ask for a secondary form of identification or a phone number to verify the check with the issuer.

How much do check cashing services usually cost?

Fees are often set as a percentage of the check's total face value, typically ranging from 1% to 5% for payroll or government checks. Personal or unverified checks usually carry higher percentage fees due to the additional processing risk.

What is the difference between a payday loan and a consumer installment loan?

Payday loans are usually smaller, short-term advances meant to be repaid in full on your next payday. Consumer installment loans offer larger principal amounts that are paid back over several months through fixed scheduled payments.