Prestige Payday Loans, a quick-cash company run by matriarch Bobbette Buffkin, finds itself in trouble when thuggish competition joins the market. Now, Bobbette's middle child Morgan must come to the rescue and confront the family business' competition, while also juggling the rescuing of his irresponsible older brother Cooper from trouble with a corrupt detective, an investigation about a possible childhood secret that may have serious implications on his life, and spending time with gorgeous grad student Julia.

Morgan and Julia's research leads Morgan to believe that he may not be related to any of his siblings, thus implying that he may possibly not be a Buffkin. Meanwhile, Brandy and Mike find themselves arguing over Mike's money problems, and Morgan is forced to confront loan business rival Manny Mamayo when Mamayo's shady methods are brought to light.

While Julia is busy wondering what the reason behind her lab partner's strange behavior may be, Morgan confronts Bobbette about the flaws in her stories about his childhood. Meanwhile, Mike has an inconvenient encounter with Prestige's new rivals when they come to collect.

Morgan, knowing now that he is adopted, sets out on a search for the true details about his past. Bobette gives him a small detail about his adoption, but still keeps him close since she needs his help in the family business.

While the computer system at Prestige Payday Loans goes haywire, Morgan gets an out-of-the-blue message from long-lost cousin Doug Johnson and is excited about the prospect of meeting a blood relative.

Defaulting borrower Gibby gives Morgan the keys to this Bassmaster fishing boat as payment to fulfill his debt. Gibby's boat happens to be locked away in Larry Conroy's storage facility, who is marrying Madison, Morgan's ex. Larry refuses to hand the boat over to Morgan, leading Bobette to seek legal council.

Chuck Habib, an RV salesmen who is late on his payment to Prestige Payday Loans, pulls aballoon on Bobette and Morgan, being rattled by a visit they pay him. Julia finally gets to meet the whole Buffkin family when Bobette invites her over to their family supper, much to the dismay of her lab professor Dimitir, who thinks Morgan is nothing but a gangster.