The address appears in a directory entry for Discovery Rent To Own with lending-related labels. That entry does not resolve the legal business, current service or connection to the A-1 Cash Advance name. [B25]
Item to establish
Current result
Exact operator at 613 28th St SE
Unresolved
Relationship to the A-1 trade name
Unresolved
Direct telephone and weekly hours
Not independently established
Payday lending at this address
Not established
A nearby business at another street number is not substituted. Calls and directions are withheld until the identity is resolved.
This is an address search, not a verified route to an operating store. Confirm the operator, unit and service before travelling.
Weekly hours
Monday
9:00 a.m.–6:00 p.m.
Tuesday
9:00 a.m.–6:00 p.m.
Wednesday
9:00 a.m.–6:00 p.m.
Thursday
9:00 a.m.–6:00 p.m.
Friday
9:00 a.m.–6:00 p.m.
Saturday
10:00 a.m.–2:00 p.m.
Sunday
Call to confirm
Call to confirm current hours and service availability before visiting this address.
613 28th Street: confirm whether the listing is a loan or something else
First establish what service is actually provided. A loan, cashing a check and acquiring goods through rent-to-own solve different problems.
Cash loan
Money received and repayment obligation
Check cashing
Existing check converted into usable funds after a fee
Rent-to-own or rental
Use of an item and the agreement's ownership conditions
Choose the next step
You need cash for a bill
Ask whether the business actually provides money you can use for that bill. A transaction tied to an item is not the same outcome.
You already have a check
Ask about cashing the check, the fee and the amount received. Do not describe conversion of your own check as new loan proceeds.
You are discussing an item or existing contract
Identify the agreement and owner of the account. Do not apply loan language automatically to a rental or purchase arrangement.
Do not combine similarly named or nearby businesses
The available listing uses Discovery Rent To Own at 613 28th St SE and includes mixed service labels. That is not enough to conclude that a current A-1 Cash Advance branch operates at the address. [B25]
The unresolved listing must not borrow another A-1 company's website, telephone, licenses or hours. Nor should a nearby cash business be moved to number 613 just because it appears in the same search results. The published postal city does not independently establish municipal boundaries.
Compare the result before comparing the payment
Ask what you receive and what you must return or pay. These basic differences determine whether a service meets your need; they are not claims about the unresolved operator.
Arrangement being discussed
Result to clarify
Cash loan
Money received and repayment obligation
Check cashing
Existing check converted into usable funds after a fee
Rent-to-own or rental
Use of an item and the agreement's ownership conditions
Item purchase or sale
Who owns the item afterward and the cash exchanged
If a service does not produce cash for your bill, a small advertised periodic payment does not make it a substitute for the loan you were seeking.
Build a neutral comparison from complete totals
Illustrative arithmetic only; not an A-1 quote. Suppose one cash proposal delivers $240 and calls for four payments of $72. Another delivers the same $240 and calls for three payments of $100, with no other charges in either assumption.
Scroll horizontally to see all columns.
Hypothetical proposal
A
B
Cash delivered
$240
$240
Number of payments
4
3
Payment amount
$72
$100
Total repayment
$288
$300
Difference above cash delivered
$48
$60
A has the smaller total in this simplified comparison, but payment dates and other terms still matter. Do not compare it with rent-to-own by relabeling an item's retail price as cash delivered. These totals also do not calculate a regulatory APR.
Ask for documents appropriate to the real service
For a genuine loan proposal, request the creditor's identity and written cost and payment disclosures. For a rental or purchase, obtain the agreement describing ownership, return, cancellation and payment conditions. For check cashing, request a fee quote and receipt for that specific check.
Do not collect every type of private document “just in case.” Establish the operator and ask what its actual process requires. A government-issued ID might be relevant to a transaction, but this profile does not confirm a particular document policy for the disputed listing.
Keep fees attached to the correct category
The CFPB explains that personal installment loans can involve different fees and optional costs. That information is a checklist for a real proposal, not a statement that A-1 uses those charges. [F02]
Likewise, Michigan's deferred-presentment fee framework belongs to the transaction it regulates. [I01] It does not convert a directory's mixed labels into a licensed payday offering. Do not apply an assumed statewide maximum to an unconfirmed contract or infer that every fee mentioned in advertising is the complete cost.
Move forward only with a defined service and recipient
If the operator cannot be established, consider separately identified businesses rather than forcing this entry to fit. Keep your original cash need, deadline and payment capacity in view while you compare.
If you have an existing agreement, use its contact and account details to resolve payments or ownership questions. A new directory result does not transfer that agreement to a different company. A promise that credit is guaranteed after an upfront fee is not a legitimate identity check. [F01] No request or payment is transmitted by this profile.
Questions before continuing
Is the Discovery listing proof of an A-1 payday branch?
No. The names and service labels remain unresolved. [B25]
Is a smaller periodic payment enough to choose a service?
No. Compare what you actually receive, ownership or security, the complete total and all dates.
Does the example establish an APR or legal quote?
No. It compares simplified totals for equal hypothetical cash received. No real terms or APR are certified.
Related decisions
Sources and scope
Sources describe rules and resources; they do not endorse Bottom Dollar or certify listed businesses. Numerical examples are calculations, not offers.
