Last Updated: 04/18/2025
SuperMoney User Recommendation Score -39
Mostly not recommended31 total votes
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Highlights
Community Rating
Mostly not recommended
Key Takeaway 3
N/A
Amount Range
$100 - $1,500
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Fee
$15 - $79
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Minimum Monthly Income
$1,000
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Number of Reviews
Check Into Cash Payday Loans Review
Check Into Cash Payday Loans is offered by Check Into Cash, a direct lender founded in 1993 and based in Cleveland, TN. Check Into Cash Payday Loans are available in 19 states.
Check Into Cash Payday Loans FAQ
What rates and fees does Check Into Cash Payday Loans charge?
Check Into Cash Payday Loans offers advances with fees ranging from $15 to $79. These loans are meant as a short-term source of credit but if you calculate the annualized percentage rate of those fees you get rates ranging from 261% to 782%.
How much cash can you access from Check Into Cash Payday Loans?
Advances start at $100 and go up to $1,500 depending on how much you qualify for.
What is the maximum term you can get with Check Into Cash Payday Loans?
Check Into Cash offers avances with a maximum term of 31 days.
What do you need to qualify for Check Into Cash Payday Loans?
Check Into Cash Payday 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 Payday Loans.
Does Check Into Cash Payday Loans run credit checks?
Yes, Check Into Cash Payday Loans will check your credit when you apply for a cash advance.
What is the estimated funding time for a cash advance via Check Into Cash Payday Loans?
Check Into Cash Payday Loans will typically approve (or deny) applications within hour and fund the cash advance as soon as 1 business days of approval.
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. Check Into Cash Payday Loans is mostly not recommended by SuperMoney community users.
Check Into Cash Payday Loans Disclosure: Rates, terms, and fees vary by state. New customers - up to $750 or state maximum. 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 Payday Loans
Message from our editor
What we love about Check Into Cash loans
Check Into Cash is a fast and hassle-free source of income for people with poor credit who have a financial emergency and need a short-term 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 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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Rating not yet determined (1 Review)
SuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -39, or 2.2 on a 5-point rating scale.
-39
-1000+100
No one recommends
Everyone recommends
Check Into Cash Payday Loans Community Reviews
Would you recommend Check Into Cash Payday Loans to your friends?
BW
Brianne W.
Dec 1, 2020
May or may not recommend
I might recommend this to my friends, depending on how desperate they were for money. I have used Check into cash payday loans before and I can tell you from experience that it is very hard to get caught up once you start taking out payday loans. Even though they will help get you money in a pinch, its not easy to get out of their grasp. You are losing ...Show More
AA
Adesola A.
Nov 1, 2020
May or may not recommend
I was in a fix and needed cash urgently but I wasn’t even close to receiving my next payment. So I went online and did some research, I saw Check Into Cash with a product on payday loan and after reading their terms which is convenient for me, I applied and within 24hours I got credited.
VS
Voncile S.
Mar 17, 2020
May or may not recommend
No hassle easy way to get cash, trust me try it
CP
Clayton P.
Jan 14, 2020
May or may not recommend
My experience was just lovely going for the store in Fort Oglethorpe Georgia off of Battlefield Parkway Cheyenne and that crew simply amazing people the character of each one of them comes to the personalities With a heart set of dedication To get the job done thanks much Cheyenne and that crew much gratitude
PC
Penelope C.
Aug 14, 2019
May or may not recommend
I do not feel that I was notified that they would do a hard inquiry and pull my credit report and lower my credit score, in the process. Why would anyone take out a payday loan if it is going to lower their credit score? What is the incentive to pay an upwards of 200% in fees and interest? I thought the cost covered the risk of any long term ...Show More
Mary P.
Jul 1, 2019
May or may not recommend
Quick service helped me solve a debt i couldn't handle mysrlg.
Jose L.
Jun 8, 2019
May or may not recommend
Beware email offers from this business. I had done a payday loan from them. Was sent an offer-$50 off if I borrowed $300 or more. Took offer in, took loan, fully acknowledged. Told me I could repay in person or call. Was having car trouble-called in payment. Refused to give me the $50 - said I had to come in person to get it, which was no way in ...Show More
AF
Amanda F.
May 10, 2019
May or may not recommend
If you’re in need they deliver within their stated guidelines which you are supposed to read. If you don’t read or don’t understand and sign that’s on you. . If you are considering them for an advance you are well aware that it’s astronomically expensive- but it’s not a car loan it s PAYDAY loan. So complaining about the company is fruitless - if you don’t like the rates contact ...Show More
SA
Sam A.
Feb 21, 2019
May or may not recommend
HIGHLY suggest you take your business elsewhere. This company will break privacy laws. A former employee for theirs was using customers info for financial gain. Does corporate not look at security cameras? Does supervisors/managment not check on stores? No one watches or checks on what the employers are doing? This took place at the Enterprise, AL location. Mind boggling.
U
Anonymous
Dec 14, 2018
May or may not recommend
Stay away from these lines of credit with a 250% APR. Only borrow for a necessity if you have to. But, don't bother with this place. It's in the hood.
Karen H.
Nov 12, 2018
May or may not recommend
I was in contact with someone at Check into Cash multiple times letting them know that my payment would be paid on my next pay date. Lost and obtained a job, dealing with custody court. On Friday I was told that I would get a call back about whether this was ok and never did. Went to take my daughter to school this morning and my fucking car is ...Show More
Debbie V.
Nov 6, 2018
May or may not recommend
i have done business off and on for years i have never had a bad experience in there they are so friendly and nice they can have a hole room of customers an they never let it get to them they treat each customer like a friend than a customer thanks
CS
Chad S.
Oct 14, 2018
May or may not recommend
I was 2 months behind on my payments but stayed in contact keep in mind it was $700 loan it broke down I couldn't make it to work well the other day a repo man almost caused in very to my son and I do to him trying to hook his truck to mine while my son was in the truck he bumped me and I drove off this loan ...Show More
Zenaredia H.
Sep 26, 2018
May or may not recommend
I pay more on my loan and am still stuck at the amount I started with! They are a complete RIP-OFF
KO
Kim O.
Sep 12, 2018
May or may not recommend
I went there for a title loan after the passing of a family member, they are very friendly in the beginning to get you in there and do business with them. I took out the loan then found out personal health news I wouldn’t wish on my worst enemy, I’ve had emergency surgery and almost lost my life. Check Into Cash has been heartless and unhelpful, I have left messages ...Show More
SW
Shaun W.
Aug 28, 2018
May or may not recommend
Went in to cash a check from capital one told to come back the next day claimed she cant cash checks after 5. The next day told company she needed to talk to doesnt work saturdays. Had to walk there monday ehen i ran out of gas and the girl acted very weird and kept asking me to try other places and telling me to open a bank account. She ...Show More
MM
Makeba M.
May 26, 2018
May or may not recommend
Check n go does a hard inquirie on the credit report now as they want to try and get customers to get an installment loan, instead, a payday loans as they make more off the installment loans.
U
Anonymous
May 10, 2018
May or may not recommend
They are Hound dogs. Start calling and harassing before payment is due. Couple days late and rollbacks are circling your block starting about 11 pm.
U
Anonymous
Apr 30, 2018
May or may not recommend
I haven't gotten any hard credit checks, but perhaps It just hasnt come up yet? This is my 4th loan. They are loyal. I see so many complaints, but tbh, if you didn't have the money to pay it back, don't take it out in the first place. Ask family or friends. You wont have any problems as long as you pay. I, personally believe they should wait one month ...Show More
JW
jessie W.
Apr 20, 2018
May or may not recommend
This place is a complete rip off. They charge an interest rate of 299.9.So 175 get charged for interest and only 30 or so goes toward the loan. which they automatically withdrawal from you account. Beware its a scam and a money pit
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