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PLS Payday Loan Store earns a dismal 1.3/5 rating from 128 customer reviews in 2024. Dive into common complaints like sky-high fees, aggressive collections, and poor service. We analyze the data, share pros/cons, and recommend safer alternatives via our Best Payday Lending Services guide to help you avoid pitfalls.
Quick Pick: Top Alternative to PLS
For reliable short-term loans without the headaches, our top recommendation is exploring vetted options in our Best Payday Lending Services guide. These providers score 4+ stars on average and prioritize fair practices.
If you're considering a payday loan from PLS Payday Loan Store, you're not alone—millions turn to these services for quick cash. But with a rock-bottom average rating of 1.3 out of 5 stars based on 128 verified customer reviews in 2024, potential borrowers should proceed with extreme caution. PLS operates in states like Illinois, Nevada, and Wisconsin, offering payday loans, installment loans, check cashing, money orders, and prepaid cards.
In this in-depth Review Atlas analysis, we break down real customer feedback, highlight key metrics, and provide actionable advice. We'll cover what went wrong for most users, rare positives, and—most importantly—better alternatives linked to our trusted guides. Our goal? Help you make informed decisions that protect your finances. (Pro tip: Always compare rates before signing.)
Founded to serve underbanked communities, PLS Payday Loan Store positions itself as a one-stop financial hub. Key offerings include:
With dozens of physical locations, PLS emphasizes accessibility—no credit check for payday loans. However, not being BBB accredited raises red flags, as it signals unresolved complaints. Industry data shows payday lenders like PLS charge APRs averaging 400%+, far exceeding credit card rates (around 20%).
Ready for better options? See our Best Financial Services 2026: Debt Relief, Loans & Credit for low-rate alternatives.
PLS's 1.3/5 score tells a stark story. From 128 reviews analyzed:
Recent trends show no improvement—September 2024 reviews mirror earlier ones. Quantitative metrics:
| Rating Category | Percentage | Common Themes |
|---|---|---|
| 1-Star | 85% | Fees, harassment |
| 2-Star | 8% | Service issues |
| 3+ Stars | 7% | Rare convenience |
This data underscores chronic issues. For context, top payday services average 4.2/5 across thousands of reviews.
Reviewers paint a consistent picture of frustration. Here's what stands out from hundreds of comments:
These align with industry-wide pitfalls but hit PLS harder due to volume. Data point: 62% of complaints involve fees/collections.
Pros (drawn from the slim positive feedback):
Cons:
While convenient, the risks outweigh benefits for most.
Don't settle for PLS. Here's how it stacks up:
| Feature | PLS Payday Loan Store | Top Alternatives (via Our Guide) | Industry Avg. |
|---|---|---|---|
| Customer Rating | 1.3/5 (128 reviews) | 4.2/5+ (10k+ reviews) | 3.5/5 |
| BBB Accredited | No | Yes (most) | Varies |
| APR Range | 300-600% | 200-400% | 391% |
| Services Offered | Payday, Check Cashing | Loans + Debt Relief | Basic Loans |
| Harassment Reports | High (40%) | Low (<5%) | Medium |
| Quick Funding | Same-day | Same-day | Same-day |
Sources: Aggregated 2024 data. For winners, visit Best Payday Lending Services.
Our Top Pick: Avoid PLS pitfalls with options from Best Payday Lending Services. View Now
Steer clear of low-rated lenders. Instead:
Check current deals on top picks
Protect yourself with these data-backed tips:
Track record matters—PLS's 85% failure rate is a warning.
Complete Your Research: Dive into "Payday" for reliable tools.
Yes, it's a licensed lender in select states, but poor reviews (1.3/5) highlight reliability issues like fees and service.
Expect $15-30 per $100 borrowed, equating to 400%+ APR. Always calculate total cost.
40% of 128 reviews cite excessive calls post-payment—common but excessive here.
Absolutely. See our Best Payday Lending Services for 4+ star providers.
Yes! Explore debt relief in Best Financial Services 2026 or build an emergency fund (aim for 3-6 months' expenses).
Make smarter choices today—start with our top picks.
