Check Into Cash is an auto title loan lender based in Cleveland, Tennessee. It provides loans online and at over 1,000 store locations.
Customers can apply online or at one of Check Into Cash's stores. The online application takes as little as five minutes to complete and once you're approved the money is transferred to your account within 24 hours. If you apply for an in-store loan, you can walk out with your cash within minutes of applying. Title loans require a clear title of your car as security.
Rates range from 153.65% to 1041.96% APR on a 14-day loan. Check Into Cash charges a flat finance charge for every $100 borrowed. For instance, in Nevada borrowers must pay $25 for every $100 borrowed, while in Florida the fee is $15. The APR on its loans varies depending on the length of the payday loan. The shorter the loan, the higher the APR.
The maximum auto title loan amounts range from $1,350 to $25,000 depending on the value of your car or motorcycle, the type of loan, and the state you live in.
Title loans are available in Alabama, Arizona, California, Georgia, Idaho, Illinois, Kansas, Louisiana, Mississippi, Missouri, New Mexico, Ohio, Tennessee, Texas, Virginia and Wisconsin.
Other loan types are available in additional states.
The online application process includes a short form that includes a quick appraisal of your vehicle's value. If you are approved, you will receive a loan offer with the rates and terms of the loan. Once you agree to the terms, the cash will be wired by the next business day. To qualify, you must have a lien-free title for a car or motorcycle to hand over as collateral for the loan. Of course, you can still keep the car. You will also need to provide proof of income and identity. The documents needed vary by state but include pay stubs, bank statements, a social security card as well as other types of identification.
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