Read about Quick Cash financial services for payday loans, check cashing, money orders, and money transfers, available from 500 branch locations.
The company, officially QC Holdings (traded in NASDAQ under symbol "QCCO"), has been in operation since 1984.
The firm has grown from one store in Kansas City, Missouri, to being one of the major financial services firms in the US today, operating in 24 states.
Their services have included check cashing since 1989, and payday loans since 1992, with much of the expansion coming from a mix of new store openings and acquisitions of existing competing stores.
In fact, during the period from 1999 to 2010, the company added nearly 500 branches to their locations.
Since 2007, QC has been expanding into other areas of consumer finance, including installment loans, automotive sales & financing, plus small business loans.
The core service, however, for QC is the short-term loan market, also
known as payday advances, deferred deposits, and cash advances.
These are intended for short-term financial needs, NOT as a long-term solution for money problems, with typical loan sizes ranging between $100 and $500 (some state laws may regulate these sums).
With QC, the loan application process is very straightforward.
At its simplest, you simply need to complete a short application, provide a photo identification, a blank check, and any other documentation required by your state law.
After the application is submitted, the in-store loan approval process only takes minutes.
Once approved, you need to write a check for the loan amount (plus applicable fees), to get the loan in cash.
You might also use other related services from the stores while you're there. These services include check cashing and wire transfers, and selected outlets also have debit cards as well as bill payment services.
According to the company, however, about 80% of their business comes from people seeking payday loans and short-term consumer loans.
Cash advances should be used for short-term financial needs only, not as a long-term financial solution.
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