Where does Check Into Cash do business?

Check Into Cash is a direct lender based in Cleveland, TN. It was founded in 1993 and offers access to auto title loans in 19 states across the USA.

What rates does Check Into Cash charge?

Check Into Cash offers auto title loans with APRs starting at 6.99% and up to 36%.

Does Check Into Cash charge an origination fee?

Yes, Check Into Cash charges a loan origination fee.

Does Check Into Cash charge a late fee?

Yes, Check Into Cash charges borrowers a late payment fee.

Does Check Into Cash charge prepayment fees?

Yes, Check Into Cash charges additional fees to borrowers who pay off their loans soon than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a loan early.

How much can you borrow from Check Into Cash?

Loan amounts start at $1,350 and go up to $25,000.

What is the maximum loan term you can get with Check Into Cash?

Check Into Cash offers auto title loans with a maximum term of 12 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for a loan with Check Into Cash?

Applicants with a credit score of at least 500 can apply for a loan via Check Into Cash. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

To qualify for a loan, you must have a clean title of your vehicle. In other words, you must be the undisputed owner of the vehicle. You can't have any liens or levies from creditors or other parties on your vehicle's title. Don't worry, there are other lenders who will consider borrowers who don't have a clean title.

Only U.S. citizens and permanent residents can apply for a loan.

Check Into Cash will also consider borrowers who are unemployedCheck Into Cash only considers borrowers who are employed

To qualify, applicants may need to provide the following documentation:

  • Driver's license
  • Proof of citizenship or residence permit
  • Recent pay stubs
  • Active duty servicemembers and their covered dependents cannot apply for a loan via Check Into Cash. The Military Lending Act prohibits lenders from charging servicemembers more than a 36% APR.

What is the estimated funding time for an auto title loan via Check Into Cash?

Check Into Cash will typically provide a credit approval decision in less than an hour and fund the loan within 0 and 1 days.

  • Clean Title Required
  • Credit Score Range
    500 - 640
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Joint Loan Applications Accepted
    Only Individual Applications
  • Maximum Vehicle Age
  • Military Status
  • Minimum Age
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Vehicle Requirements
    • Clear title
    • Vehicle paid off
  • Verification Documents Required?
    • Recent Pay Stubs
    • Driver License (or other photo ID)
    • Proof of citizenship/residence
  • Funding Time Range (in days)
    Up to 1
  • Payment Options
    Automatic Payments
  • Loan Amount
    $1350 - $25000
  • Loan Term Range (Months)
    Up to 12
  • APR
    6.99% - 36%
  • Max Loan Term (Months)
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