TMX Finance Family of Companies

What TMX Finance Family of Companies does

TMX Finance Family of Companies, operating as Community Choice Financial Family of Brands, is a privately held consumer specialty finance organization founded in 1986 and headquartered in Savannah, Georgia. The legal entity is CCFI Companies, LLC. The company provides short-term consumer credit products — including title-secured loans, payday loans, installment loans, and check cashing services — through a portfolio of 10 sub-brands (TitleMax, TitleBucks, Speedy Cash, Check Into Cash, Check Smart, Instaloan, California Check Cashing Stores, Easy Money, First Virginia, and Cash 1). Its target customer is the underbanked consumer facing short-term financial emergencies who lacks access to traditional bank credit.

The company operates more than 1,500 brick-and-mortar stores across 24-25 U.S. states, with online consumer credit products available in 20 states. It employs 5,001-10,000 people across five corporate office locations (Savannah headquarters plus Dublin, Carrollton, Wichita, and Cleveland). The business has been built through a combination of organic growth and strategic acquisitions of TMX Finance, Speedy Cash, and Cash Central, all retained as operating brands. A 2018 financing of $450 million supports the loan-receivables balance sheet, and an investor portal is maintained via Intralinks.

The revenue model is the interest, fees, and ancillary charges earned on short-term, small-dollar credit extended to individual retail borrowers; pricing is not publicly disclosed and is delivered to applicants at the point of sale. Distribution is omnichannel: a dense physical retail network provides neighborhood-level access, complemented by online origination. The company pursues targeted employer-brand positioning among military veterans and Hispanic/Latino communities, supported by a portfolio of Military Friendly, VETS Indexes, HLPA, and DoD Patriot awards between 2019 and 2023.

Name

TMX Finance Family of Companies

Legal name

CCFI Companies, LLC

Website

https://tmxfinancefamily.com

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

TMX Finance Family of Companies, operating as Community Choice Financial Family of Brands, provides title loans, payday loans, installment loans, and check cashing services to underbanked consumers through 10 sub-brands and 1,500+ stores across 24-25 U.S. states, with online products in 20 states.

Ownership category

akta.pro rank

Headquarters

HQ city

Savannah

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain

Distribution channels2 records

Marketing channels3 records

Core offering

TMX Finance Family of Companies is a multi-brand consumer specialty finance organization that provides short-term consumer credit products, including title-secured loans, payday loans, installment loans, and check cashing services. It delivers these through 1,500+ brick-and-mortar stores across roughly 24-25 states and through online channels in 20 states, serving underbanked consumers via 10 distinct brands such as TitleMax, Speedy Cash, and Check Into Cash.

Product overview

Community Choice Financial® Family of Brands is a multi-brand consumer specialty finance organization offering consumer credit products through a portfolio of 10 sub-brands: TitleMax, Check Into Cash, Speedy Cash, Check Smart, TitleBucks, Instaloan, California Check Cashing Stores, Easy Money, First Virginia, and Cash 1. The company operates more than 1,500 brick-and-mortar stores across 24 states and offers online products in 20 states. Founded in 1986 and expanded through acquisitions of TMX Finance®, Speedy Cash, and Cash Central, the family of brands provides short-term consumer credit, title loans, check cashing, and installment loan products to consumers underserved by traditional lenders.

Differentiator

Problem solved

Functional benefit

Brands

• Speedy Cash: Brand offering cash and credit options
• TitleMax
• Check Into Cash
• Check Smart
• TitleBucks
• Instaloan
• California Check Cashing Stores
• Easy Money
• First Virginia
• Cash-1
• Rapid Cash

Products and services

• TitleMax TitleMax is a consumer credit brand offering short-term loans secured by vehicle titles, available at retail storefronts and online for consumers who need quick access to cash.
• Check Into Cash Check Into Cash is a consumer credit brand providing check cashing services, payday loans, and related short-term financial products at retail storefronts.
• Speedy Cash Speedy Cash is a multi-state consumer credit brand offering short-term loans, installment loans, and check cashing services both in-store and online.
• Check Smart Check Smart is a retail financial services brand providing check cashing, payday loans, and related credit products at storefront locations.
• TitleBucks TitleBucks is a title loan brand offering automobile title-secured short-term loans to consumers.
• Instaloan Instaloan is an installment loan brand providing short-to-medium-term consumer credit products at retail locations.
• California Check Cashing Stores California Check Cashing Stores is a California-based retail check cashing and short-term credit services brand serving local communities.
• Easy Money Easy Money is a consumer credit brand offering short-term loan products and financial services at retail locations.
• First Virginia First Virginia is a Virginia-based consumer credit brand providing short-term loan products and check cashing services.
• Cash 1 Cash 1 is a consumer credit brand offering short-term loan products at retail locations.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered minor and core.

• Operation GratitudeminorOthersCCF partners with Operation Gratitude during Military Appreciation Month in May to collect wish list items for care packages sent to U.S. Troops, First Responders, Veterans, Military Families, and Wounded Heroes.
• Local USOsminorOthersCCF partners with local USO organizations across the country as part of Military Appreciation Month care package collection drives.
• Veteran Hospitals and Military Medical CentersminorOthersCCF partners with Veteran Hospitals and Military Medical Centers during Military Appreciation Month to support care package donation drives.
• Nationwide Children's HospitalcoreStrategic or Co-development PartnerRibbons for Research is an annual fundraising partnership with Nationwide Children's Hospital. CCF stores and corporate locations nationwide raise money through purchasing ribbons that benefit children's cancer research.
• Toys for TotsminorOthersDuring November and December holidays, CCF partners with Toys for Tots to serve as donation drop-off points for unwrapped toys to help make children's holiday wishes come true.
• The Salvation ArmyminorOthersDuring the holiday season, CCF partners with The Salvation Army to serve as donation drop-off points and support holiday giving initiatives.

Scale indicators8 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• FirstCash Holdings, Inc. Large specialty consumer finance operator with thousands of pawn and retail buy/sell/loan stores across the U.S. and Latin America. Comparable scale, multi-brand retail footprint, and focus on underserved consumer liquidity needs.
• EZCORP, Inc. Specialty consumer finance company operating pawn lending and related short-term credit products across the U.S., Mexico, and Latin America. Comparable as a multi-brand, brick-and-mortar specialty finance operator serving credit-constrained consumers.
• Regional Management Corp. Consumer installment loan company operating branch-based direct lending to underbanked consumers across the U.S. Comparable in customer segment (non-prime), product (small-dollar installment loans), and branch-led origination model.
• PROG Holdings, Inc. Lease-to-own specialty consumer finance company serving credit-constrained customers through Progressive Leasing and Vive Financial. Comparable focus on subprime consumer credit access and virtual + physical distribution.
• World Acceptance Corporation: Consumer installment lender serving underbanked customers through ~1,000+ branches. Highly comparable to TMX Finance in target customer (non-prime), product type (small installment loans), and physical-retail distribution model.

Emerging players

• Affirm Holdings, Inc. Buy-now-pay-later and point-of-sale installment lender serving consumers, including subprime segments. Adjacent competitor for short-term consumer credit demand but with a merchant-funded model and digital-only distribution.
• Enova International, Inc. Online consumer and small-business lender serving non-prime borrowers in the U.S. and abroad via products like CashNetUSA. Comparable target customer and short-term installment products, but delivered primarily online rather than through retail branches.
• Upstart Holdings, Inc. AI-driven consumer lending marketplace partnering with banks to originate personal loans. Adjacent competitor for the same non-prime borrower pool, but uses a fully digital, bank-partnered model rather than direct specialty-finance balance sheet lending.
• LendingClub Corp: Online consumer lending marketplace and digital bank. Competes for personal loan demand from prime and near-prime consumers via digital channels — overlapping demand but skewing to higher-FICO borrowers than TMX's core underbanked segment.

Broad incumbents

• OneMain Holdings, Inc. Largest U.S. installment lender to non-prime consumers with ~1,400 branches nationwide. Comparable customer segment and installment-loan products but materially larger and more diversified across credit tiers and refinancing.

Market position

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/tmx-finance
• Xx.com/tmxfinance
• Facebookfacebook.com/tmxcompanies

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries3 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about TMX Finance Family of Companies