SuperMoney

Check Into Cash

in Payday Loans

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Check Into Cash

Claimed

in Payday Loans

SuperMoney Net Recommendation Score -71% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly not recommended

4 users recommend
0 users are unsure
24 users don't recommend
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Overview

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 payday loans in 34 states across the USA.

What loan fees does Check Into Cash charge and what are the equivalent APRs?

Check Into Cash offers payday loans with loan fees ranging from $15 to $79. These loans are meant as a short-term source of credit but if you calculated the annualized percentage rate of those fees you get APRs ranging from 261% to 782%.

How much can you borrow from Check Into Cash?

Loan amounts start at $100 and go up to $1,500.

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

Check Into Cash has payday loans with a maximum term of 31 days.

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

Applicants with a credit score of at least 300 can apply for a loan via Check Into Cash.

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

You'll need a minimum monthly income of $1,000 to qualify for a loan with Check Into Cash. Check Into Cash will also consider borrowers who are unemployed as long as they have an annual income of $12,000 or higher. 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 a payday 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 2 day.

CHECK INTO CASH Disclosure: Customer Notice: A single payday loan or cash advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday loans and cash advances are not recommended as long-term financial solutions. 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. Notice to CA customers: Check Into Cash is licensed by the Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. Notice to OH customers: In Ohio, Check Into Cash operates as a registered credit services organization (CSO). The actual lender is an unaffiliated third party. CS.900185.000. In Ohio, Loan By Phone operates as a registered Credit Services Organization (CSO). The actual lender is an unaffiliated third party. CS 900138.000. Ohio in-store license. Notice to UT customers: For questions or complaints please call the Utah Department of Financial Institutions at 801-538-8830 (UT customers only). Notice to LA customers: If you cannot make payment when due, you can ask to enter into an extended payment plan once in a twelve-month period, but the request must be made before payment is due. Should your lender (Check Into Cash) refuse to enter into an extended payment plan upon your request before the due date, contact the Office of Financial Institutions at 1-888-525-9414 (LA customers only). TX customers: In Texas, Check Into Cash operates as a Licensed Credit Access Business (CAB). The actual Lender is an unaffiliated third party. Notice: An advance of money obtained through a Small Loan or Auto Loan is not intended to meet long-term financial needs. A Small Loan or Auto Title Loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges. Check Into Cash engages in the money transmission business as an authorized delegate of Western Union Financial Services, Inc. under Chapter 151 of the Texas Finance Code.VA customers: CREDITCORP OF VIRGINIA IS LICENSED BY THE STATE CORPORATION COMMISSION. VA LICENSE # VTL-10.
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...

Contact

Message from Check Into Cash

Check Into Cash is a national leader in direct lending, providing customers with short-term, small dollar credit solutions.

Other Services by Check Into Cash

Availability

Available in 34 States
  • Alabama
  • Alaska
  • Arizona
  • California
  • Colorado
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Michigan
  • Mississippi
  • Missouri
  • Nebraska
  • Nevada
  • New Mexico
  • Ohio
  • Oklahoma
  • Oregon
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin
  • Wyoming

Feature Breakdown

Loan Fee
$15 - $79
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Non-Military
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Minimum Annual Income
$12,000
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range
300 - 700
850 300 700
Minimum Monthly Income
$1,000
Direct Deposit
Instant Decision
Online Application
Loan Term (Days)
Up to
31
Loan Amount
$100 - $1.5K
$50 $5K
APR
261% - 782%
87% 2,464%

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