Last Updated: 04/18/2025
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Highlights
Amount Range
$1,000 - $25,000
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APR (Fixed APR)
6.99% - 36%(Verified 06/21/2024)
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Credit Score Range
500 - 640
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Check Into Cash Title Loans Review
Check Into Cash Title Loans is offered by Check Into Cash, a direct lender founded in 1993 and based in Cleveland, TN. Check Into Cash Title Loans are available in 21 states.
Check Into Cash Title Loans FAQ
What rates does Check Into Cash Title Loans charge?
Check Into Cash Title Loans offers auto equity loans with a fixed APR that ranges from 6.99% up to 36% . Interest rates vary by state .
Does Check Into Cash Title Loans charge an origination fee?
Yes, Check Into Cash Title Loans charges a loan origination fee .
Does Check Into Cash Title Loans charge a late fee?
Yes, Check Into Cash Title Loans charges borrowers a late payment fee .
Does Check Into Cash Title Loans charge prepayment fees?
Yes, Check Into Cash Title Loans charges additional fees to borrowers who pay off their loans sooner 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 Title Loans?
Loan amounts start at $1,000 and go up to $25,000.
What is the maximum loan term you can get with Check Into Cash Title Loans?
Check Into Cash Title Loans offers auto equity loans with terms ranging from 12 to 24 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 auto equity loan, the more interest you will pay.
What do you need to qualify for Check Into Cash Title Loans?
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.
Applicants with a credit score of at least 500 and up to 640 may be eligible for Check Into Cash Title Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Check Into Cash Title Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Check Into Cash Title Loans.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
What is the estimated funding time for an auto equity loan via Check Into Cash Title Loans?
Check Into Cash Title Loans will typically fund auto equity loans as soon as 0 business day of approval.
Does Check Into Cash perform a hard credit pull?
Yes, Check Into Cash Title Loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is Check Into Cash a legit company?
Check Into Cash was founded in 1993, it is a well-established company that has been in business for 33 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
Check Into Cash Title Loans Disclosure: Customer Notice: There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive. To view a list of the states we service online, please visit our Rates and Terms page. For our privacy policy, please visit our privacy policy page.
For rates and terms in your state of residence, please visit our Rates and Terms page. As a member of CFSA, Check Into Cash abides by the spirit of the Fair Debt Collection Practices Act (FDCPA) as applicable to collect past due accounts. Delinquent accounts may be turned over to a third party collection agency which may adversely affect your credit score. Non-sufficient funds and late fees may apply. Automatic renewals are not available. Renewing a loan will result in additional finance charges and fees.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Check Into Cash Title Loans
Message from our editor
What we love about Check Into Cash loans
Check Into Cash offers a fast and hassle-free source of auto title loans for people with poor credit who have a financial emergency and need a fast solution. It is a direct lender with over 1,000 offices nationwide and more than 20 years in business.
What could Check Into Cash loans do better?
Check Into Cash auto title loans are extremely expensive. The price tag on these forms of credit is among the highest in the consumer credit market. Also, Check Into Cash does not report your payments to credit bureaus, so even if you make every payment on time, these types of loans don't help you improve your credit.
Check Into Cash backstory
Check Into Cash was founded in 1993 by Allan Jones, the CEO of Creditcorp, Jones Management Services, and a founding member of the CFSA: the Community Financial Services Association. Check Into Cash has its headquarters in Cleveland, Tennessee, and has over 1,000 brick-and-mortar offices spread throughout 30 states.
The Verdict
There are other lenders with lower interest rates and better terms which you should probably try first. However, if your credit is not great and you need money fast, Check Into Cash is a hassle-free and reliable source of credit.
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SuperMoney Net Recommendation Score
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Check Into Cash Title Loans Community Reviews
Would you recommend Check Into Cash Title Loans to your friends?
U
Anonymous
Apr 4, 2019
May or may not recommend
Not a cheap way to get a loan, but helped me out during an emergency.
Showing 1 of 1 reviews