# Cottonwood Financial

> Cottonwood Financial Ltd. was the Irving, Texas consumer-finance company behind Cash Store. Founded in 1996, it served underbanked consumers through retail branches and an online portal. It filed Chapter 11 in February 2024; the Cash Store business was acquired by CNG Holdings that year and continues under new ownership.

- **Founded:** 1996
- **Headquarters:** Irving, United States
- **Products:** Historical cash advances, Installment loans, Historical auto-title loans, Digital account management
- **Notable:** Built a retail lending business beginning in 1996., Company LinkedIn profile reports repeated Inc. 5000 and Dallas 100 recognition; specific award years were not verified., Cash Store brand and operating business continued under CNG Holdings after the 2024 bankruptcy sale.

## Products & services

- **Historical cash advances** — Cottonwood historically offered payday and other small-dollar cash advances through Cash Store; current offerings have changed.
- **Installment loans** — Historically offered by Cottonwood; the successor Cash Store brand currently markets installment loans up to $5,000, subject to state rules and underwriting.
- **Historical auto-title loans** — Part of Cottonwood’s historical lending mix. Cash Store’s current getting-started FAQ says it no longer offers auto-title loans.
- **Digital account management** — Cottonwood operated an online customer portal. Current Cash Store customers are directed to Pocket360 for account access; new customers prequalify online and apply in store.

## Achievements

- Built a retail lending business beginning in 1996.
- Company LinkedIn profile reports repeated Inc. 5000 and Dallas 100 recognition; specific award years were not verified.
- Cash Store brand and operating business continued under CNG Holdings after the 2024 bankruptcy sale.

## Latest updates

- **2024-02** — Cottonwood Financial and affiliates filed Chapter 11 on February 25.
- **2024-08** — Oppenheimer’s August 1 transaction announcement described the acquisition by CNG Holdings through a Section 363 bankruptcy sale.
- **2026-10** — Website checked October 26: Cash Store markets installment loans up to $5,000 in Idaho, Texas and Wisconsin; its FAQ says auto-title loans are not currently offered.

## Links

- Website: https://www.cashstore.com/
- LinkedIn: https://www.linkedin.com/company/cottonwood-financial
- Twitter/X: https://twitter.com/cashstore
- YouTube: https://www.youtube.com/user/cashstore

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Profile page: https://yespress.io/cottonwood-financial
Published by YesPress — https://yespress.io
Last updated: 2026-10-26