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Do you think Cash 1, LLC is not playing fair? You have rights under the law and we can help you at no cost to you. UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business.


If Cash 1, LLC violated the law, you may be entitled to money damages and Cash 1, LLC will pay our fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 312-300-5996 for a free consultation.

What is Cash 1, LLC?

First opening for business in 1997, Cash 1, LLC has branched out to 21 locations in Arizona and Nevada. Cash 1 is a direct lender, offering loans to individuals who have been denied by traditional lenders (e.g. banks) and has 200 highly-trained employees in Arizona, Nevada, and Utah.

Cash 1, LLC offers personal, title, smart, and installment loans. Each loan is subject to availability in Arizona and Nevada. CASH 1 is a Better Business Bureau accredited company with a B+ rating. 

Cash 1, LLC Address, Phone Number, and Contact Information

Store Location
725 E. Covey Lane, Suite 170
Phoenix, AZ 85024 

+1 844-831-4198
(Customer Support)
Mon-Fri 9am-7pm 
Sat-Sun 10am-5pm

Massive Interest Rates 

Numerous clients have issued complaints against Cash 1’s substantial interests even for customers with zero payments missed. Specifically, people have complained about being issued interests resulting in up to four times their actual loans. In 2021, Illinois has issued a bill capping most interest rates at 36% of consumer loans. 

Measly Maximum Loans

Cash 1 leaves its borrowers in a bind with their scanty loans and enormous interest rates. With the pandemic around, customers are forced to collateral even their cars but are offered scraps. Others were offered lower amounts than their initial loans despite virtuous payments. 

Misleading Offers 

Cash 1 agents have also reportedly enticed clients with specific loans, only to change their offers during the actual applications e.g. offering this type of loan and then shifting to another when the applicant comes in to avail the loan. These types of misleading loans exploit the fact that people get strapped for cash before payday and especially with the layoffs. 

Obscure Loans 

Another point of issue for customers is the unclear loan details. Upon being asked to explain the interest rates and missing principal balance based on the receipt issued, associates of Cash 1 were unable to rectify the numbers. Customers were left without knowing the interests they were paying vis-à-vis the principal balance. 

Poor Customer Service

According to complaints against Cash 1, their customer service representatives have been rude and unhelpful to multiple clients, leaving some embarrassed after their interactions and forcing others to abort the transaction to conclude their undignified treatment. Others said that they have had agents agree on assisting them during phone calls, but have failed to do so upon meeting resulting in unfinished transactions and dissatisfied customers. 

Unfortunately, these complaints are just the beginning for Cash 1, LLC. Between massive interest rates, cheap maximum loans, deceptive offers, charge discrepancies, and poor customer service, Cash 1, LLC’s customers are left wondering what options they have regarding their consumer rights. 

We Fix Complaints When Customer Service Won’t

Has Cash 1, LLC used misleading sales tactics? Have you received poor service? Do you have complaints with billing? Do you want customer service at Cash 1, LLC to listen?

A lot of Cash 1, LLC Corporation customers aren’t happy with their service and the Better Business Bureau lists 15 customer complaints against the company in the past three years, including complaints for billing and collections practices, problems with a service/product, advertising and sales, among others.  

If your complaints haven’t been heard, we can help. At Agruss Law Firm, LLC we help customers who have been mistreated by big companies–much like Cash 1, LLC–and we turn your complaints into resolutions!

We’ll not only file your legal demands with Cash 1, LLC, we’ll negotiate with the company. If your claim isn’t resolved through these negotiations, we’ll work through the legal process that is outlined in your Cash 1, LLC contract, which is typically arbitration. 

Agruss Law Firm, LLC gets results–including zero balances, refunds, and other compensation. 

Here’s How to Make Big Companies Listen

It can be frustrating when you rely on a service and don’t get the results you’ve paid for. Big companies make mistakes every day and not only is it their fault, but it can also cost you money, time, and leave you with big headaches. 

Have you tried calling Cash 1, LLC to address an issue, only to be told that the representative has no authority to do so? Or maybe you’ve tried talking to someone higher up in the company, only to be ignored, dismissed, or they take too long, continuing to waste your precious time. Maybe you’ve sent an email to the company which only resulted in a prefabricated response or they never follow through with what they’ve promised. 

When you’re limited in your choices for service providers or you’re locked into a contract, what can you do?

Fortunately, you do have options. 

Use Arbitration to Settle Your Complaint

Most companies like Cash 1, LLC have an arbitration clause in their contracts to prevent being taken to court for traditional litigation. This is actually an advantage for the consumer. When you request an arbitration hearing, an independent third-party (the arbitrator) with knowledge of the type of situation involved will listen to the facts from both sides and make an impartial, binding decision. Cash 1, LLC will have to do a lot of work and there is no guarantee that they will have a successful outcome. 

Arbitration is Fast, Inexpensive, and Private

Arbitration with Cash 1, LLC is conducted through the American Arbitration Association (AAA). According to the AAA Consumer Due Process Protocol, arbitration through AAA will comply with their Statement of Principles, which includes:

  • The process is fundamentally fair – All parties are entitled to qualified, competent, impartial arbitrators who will conduct a fair hearing.
  • You get access to all relevant information – This includes reasonable costs, confidentiality, reasonable time limits, and meeting times and/or locations that are agreeable to both parties.
  • Transparency – AAA provides clear arbitration agreements and the ability for each side to hire their own representation.
  • Just process – Arbitration allows the arbitrator to award the same relief as traditional litigation in a binding decision. 
  • Alternative to arbitration – Mediation and the ability to take the case to small claims court should be available in some cases.

Arbitration Gives you Control and Leverage

When Cash 1, LLC is alerted that you plan to pursue arbitration, they know it will cost them money out of pocket. Not only do they run the risk of losing the case, but they will also pay for their mistake(s) and the arbitration itself. This gives you more leverage with your demands. 

If Cash 1, LLC doesn’t meet those demands and you have a real complaint, Agruss Law Firm, LLC can help by representing you in arbitration where you will get a fair, just, and transparent hearing.

Control and Leverage Triggers Faster Settlements

Large companies like Cash 1, LLC don’t like the uncertainty and loss of control that comes with arbitration. Not only do they lose the advantage in the situation, but you’re also on equal footing with them in the eyes of arbitration. 

The first step in taking on Cash 1, LLC is to formally raise your complaint. The lawyers at Agruss Law Firm, LLC can help you to do so. We will send a letter of demands to the corporate offices of Cash 1, LLC, letting them know that you’re ready to begin arbitration if a satisfactory resolution is not achieved. Typically, this is 30 days, but it will depend on your specific contract with Cash 1, LLC. 

Approximately 50% of cases will settle before proceeding to an arbitration hearing during this time. However, if Cash 1, LLC doesn’t offer a reasonable settlement within the appropriate time frame, the next step would be filing a case with AAA. Agruss Law Firm, LLC will not only put together the necessary paperwork for arbitration, but we will also help you take the next steps in the arbitration process. 

UDAAP and Arbitration

UDAAP is an acronym representing laws that prohibit Unfair, Deceptive, or Abusive Acts or Practices in the context of trade or business. This includes misrepresentation, deception, false advertising, or false promises. These laws emerged following the Dodd-Frank Wall Street Reform and Consumer Protection Act that was enacted in response to the 2008 financial crisis. The ultimate goal with these laws is geared towards protecting consumers involved in financial transactions, educating consumers on their rights, and allowing them access to information and resources to best inform their decisions.

UDAAP laws are regulated by two organizations, the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC). The FTC expanded the initial UDAAP laws in 2004 to include unfair and deceptive acts and practices. Some standards for unfairness, in particular, include if it causes or is likely to cause substantial injury to consumers, the injury is not reasonably avoidable by consumers, and the injury is not outweighed by countervailing benefits to consumers or to competition.

Every state has UDAAP laws, which can vary widely. However, the lawyers at Agruss Law Firm, LLC understand these laws and can use them to get compensation for deceptive practices, representing consumers throughout the country in cases of arbitration at no cost to them. The company will not only pay the consumer, but they will also pay my fees as well. The consumer will never pay me a cent.

If you’re dealing with an issue with Cash 1, LLC, you might try filing a complaint with the BBB or the customer service team with Cash 1, LLC. Unfortunately, these avenues won’t always lead to a successful resolution for you, the customer. Instead, you may want to consider an experienced arbitration lawyer to take on your case. 

Arbitration is a very useful tool for resolving disputes, and Agruss Law Firm, LLC can help. With our expert guidance, we bring the big companies to the table and provide the support needed to get your bills corrected, credit reports fixed, improper fees refunded, and more. Let us pick up the sword for you; you have nothing to lose.

How Do I File a Complaint Against Cash 1, LLC?

We will use your state’s UDAAP law to file a complaint in Arbitration on your behalf at no cost to you. UDAAP laws include misrepresentation, deception, false advertising, or false promises. Under your state’s UDAAP law, you are likely entitled to money damages for your actual damages.  Plus, the other side will pay our fees and costs.  You will not pay us a penny.  These laws emerged following the Dodd-Frank Wall Street Reform and Consumer Protection Act that was enacted in response to the 2008 financial crisis. The ultimate goal with these laws is geared towards protecting consumers involved in financial transactions, educating consumers on their rights, and allowing them access to information and resources to best inform their decisions.

People, First

We are proud to serve consumers in arbitration cases. We see you as a person, not just a client – and that makes us better at the work we do. We listen. We learn your story. And, as we help you get the money you deserve, we go above and beyond in a way most law firms never could and never would. Because we’re not just lawyers. And you’re not just a client. We’re friends, neighbors, family. We’re all people and here at Agruss Law Firm, we put People, First.

Share Your Complaints Below Against Cash 1, LLC

We encourage you to post your complaints about Cash 1, LLC. Sharing your complaints against this big company can help other consumers understand what to do when they have problems with this company. Sharing your experience may help someone else!

We are listening

We will respond to you at lightning speed. All of your information will be kept confidential.

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Submitted Comments

2 months ago
I have been a customer who have paid on time. I ended up in the hospital and my job reduced my hours. Then, my 16 year old was hospitalized. Cash1 representatives would text me to call them but when I did call, no one would answer. They would not lower my payments based upon my new pay check and had the proof to show them as well as medical documentation. I asked to settle and they would not. They said that I would need to make the minimum payment on the loan. Interest rates were massive. They also filed a lawsuit in which I received documentation from the court stating \"It is ordered no action will be taken by this division on the aboved-referenced documents. They are trying to get a default judgement, but they won\'t even work with me. My last resort is to file bankruptcy to stop these people.
3 months ago
I need help to understand if i can legally get my agreement with Cash1 changed because they have been no help and wont work with me.