Cottonwood Financial is a retail finance organization operating from 2100 W Walnut Hill Ln, Suite 300, Irving, Texas. Established in the mid-1990s, the company has developed a nationwide footprint in consumer lending through brick-and-mortar locations and related services. Its core functions center on providing small-dollar lending options to individual borrowers, often with an emphasis on accessible, local-market financing solutions.
As a privately held entity, Cottonwood Financial has grown to employ a substantial workforce and to build a diversified, consumer-focused lending portfolio. The organization has historically positioned itself as a lender that emphasizes straightforward product offerings and service delivery at the community level, aligning operations with regional customer needs and regulatory requirements. Its operational scope includes branch-based customer interactions, loan origination, and ongoing account management, reflecting a traditional retail finance model adapted to contemporary regulatory and market conditions.
Address
2100 W Walnut Hill Ln Suite 300, Irving, TX 75038
Phone
(972) 75 30 822Website
cashstore.comBetter than 26% of providers in Irving
In addition to the primary service, Cottonwood Financial also offers:
Links and information about Cottonwood Financial:
Founded in 1996, Cottonwood Financial is one of the largest privately held retail consumer finance companies in the United States. With our customer-centric focus, we offer an innovative mix of financ...
www.signalhire.comCottonwood Financial on Gateway Dr in Irving, TX
cash-advance-services.cmac.wsOther providers in Irving with similar ratings:
Cottonwood Financial is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Cottonwood Financial is listed as a financial service provider in Irving, TX and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Cottonwood Financial to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Cottonwood Financial, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Cottonwood Financial with other providers in Irving and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Cottonwood Financial has a rating of 4.2, which is better than 26% of providers in Irving.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Cottonwood Financial requests. It is always best to call ahead using the phone number on this page so Cottonwood Financial can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Cottonwood Financial also offers: Loan agency, Financial institution.