Mr. Payroll

Mr. Payroll has grown to massive proportions out of somewhat modest beginnings. It is not often that you see a company that starts out very small grow to a nationwide level, but in this case, that is exactly what has happened. Mr. Payroll is an excellent financial company, though, and through the last 25 years, they have developed into one of the most consistent names in the business. Why has that happened? It is because they offer a lot of different things to consumers. As you might expect, when customers have a lot of different options under one roof, they are much more likely to come back for more. That is what Mr. Payroll is all about and it is what has made their company grow to become so large.

Mr. Payroll has beginnings that might remind customers of a few more companies within the industry. For the most part, these companies started popping up because, to put it lightly, the traditional banking industry was not doing enough to satisfy the needs of customers. The sad truth of the matter was that there were millions of people who just could not get any help from the commercial banks and they were drowning in financial trouble. In that way, Mr. Payroll was founded as a way to help those people. Jack Daugherty opened the first store, which was originally known as Cash America Pawn, in Irving, Texas during 1983. His hope was to establish a place where people could come and be comfortable. After 25 years in business, it is apparent that he was able to do that, as he got enough customers to grow his business into what it is today.

Mr. Payroll Ratings

2.6 Service
3.0 cost
3.0 timing
2.2 use again
One might look at this company and say that they are the biggest pawnshop in the world, but really, they offer so much more for consumers. If you were to call Mr. Payroll a pawnshop, you would be leaving out all of the other things that they do really well. They have grown from those modest roots to a place in the heads of the underrepresented consumer. Now, they have over 900 locations all over the world, including in the United States and over in the United Kingdom. They would not have been able to build such an empire without expanding significantly upon what they do as a business. So what is it that they do, you might ask? In addition to the traditional pawn activities that got the business started, they have expanded in ways that only help the customer even more. Included in their services are gold buying, tax filing, and help getting out of credit problems, among other things.

Another interesting service that they have added is pre-paid Visa and MasterCard service. Over the last few years, this has become a very popular service to offer because people are really in need of these products. With so much buying and selling going on over the Internet, it really is a necessity. If customers do not have a Visa card, then they really have no access to what has become a vibrant marketplace. In addition to that reason, it is also a little bit unsafe to be carrying around cash all of the time. If a customer is the victim of a robbery, then they have little recourse in getting their money back. With a prepaid Visa or MasterCard, customers have a few more options to work with. There are a few fees associated with this process, but for the most part it is a very good investment for customers. They can have all of the modern convenience of having a debit card without having to have a bank account. This is one of the newer services that Mr. Payroll has come up with in the last few years to keep up with the rest of the industry.

As customers take a look at this company, they will see that Mr. Payroll operates much more on the premise of pre-payment. While some companies are willing to offer credit to customers in a crunch, this is a company that is really just looking to help customers make their money more useful. After all, cash is becoming more and more difficult to use in this society. Another one of those pre-paid products is pre-paid calling. If you do not have a cell phone, then you are really in a lot of trouble in today's world. People need them, for various reasons, and a lot of folks do not have the credit to get a cell phone plan. That is why the pre-paid calling option from Mr. Payroll is such a nice feature to have. When looking at their overall business plan, one could easily conclude that this is one of those services that they provide just to get people to have another reason to come to their company.

There is also the obvious check cashing element to their business. This is what some would call a "staple" service, as it is very important for customers. When people have money on checks, they have to get it into cash in order for that money to be any use. If people do not have a bank account to use, then they are going to need somewhere to turn. Mr. Payroll has always been that somewhere and they will cash most checks. The great thing about the check cashing service from Mr. Payroll is that they have a lot of stations all over the place. Some of their locations are even put in gas stations and grocery stores for the customer's convenience. That is a really nice bonus so that customers will not have to go out of their way to get money.

The primary thing that Mr. Payroll specializes in is buying gold and giving out pawn loans. That is what this company was built on 25 years ago, and they have stuck to their values. They are currently buying a lot of gold right now and they give different values for different items under their pawn conditions. This is the service that the company is known for, and they are very good at it. If you would like to know a little bit more about the company in terms of their pawn loans, then check out their website at Some people might even have some extra questions for them, so you need to send them an email at to get those answers.

All in all, Mr. Payroll is a good company that has struggled to establish an identity. Still, they do so many things for so many different groups of customers that they have stayed on top of the financial world. For customers with pawn needs, they are the best in the business.