Features

Check Into Cash provides payday loans and title loans online and at over 1,000 store locations. The company is based in Cleveland, Tennessee. In cases where a borrower doesn't meet Check Into Cash Check Into Cash's lending criteria, it matches customers with other lenders that do service that demographic within its network.

How Does Check Into Cash Work?

Check Into Cash provides loans online and at its brick and mortar locations. Online applications can take as little as Customers can apply online or at one of Check Into Cash's stores. The online application takes as little as five minutes to finish; and if you're approved, Check Into Cash will transfer the money within a day. Borrowers who apply in person at one of their stores can walk out with their cash within minutes of completing the applicaiton. Check Into Cash title loans require borrowers to provide a clear title of their car as security, but the interest rates are lower.  

What Are The Interest Rates?

Check Into Cash's interest rates vary from 153.65% to 1041% APR on a 14-day loan depending on which state you live in. Check Into Cash doesn't charge a regular interest rate. Instead it charges a flat fee per loan. For instance, in Utah borrowers must pay $75 for a $300 payday loan, while in Illinois the same loan has a fee of $46.50. The equivalent APR on payday loans varies depending on the term of the payday loan. The shorter the loan, the higher the equivalent APR will be.

How Much Money Can I Borrow from Check Into Cash?

Maximum loan amounts vary from $100 to $1,500 depending on where you reside. To illustrate, the maximum in Texas is $1,500 for online loans and $1,000 for in-store loans. In For instance, the maximum loan amount in Florida is $500 while residents in Utah can apply for an online loan of up to $1,500. In South Dakota, on the other hand, the maximum loan--online or in-store--is $500.

Which States Does Check Into Cash Operate In?

Check Into Cash doesn't operate in  Arkansas, North Carolina, West Virginia, Montana, North Dakota, Minnesota, Maryland, Pennsylvania, New Jersey, New York, Massachusetts, Connecticut, Rhode Island, Vermont, New Hampshire and Maine.

There are no in-store loans available in Oregon and there are no online loans in Arizona, New Mexico, Colorado, Nebraska Iowa, Kentucky Virginia, South Carolina and Georgia. All other states have both online and in-store loans.

Title loans, on the other hand, are available in Alabama, Arizona, California, Georgia, Illinois, Kansas, Louisiana, Mississippi, Missouri, Ohio, Tennessee, Texas, Utah, Virginia and Wisconsin.

What Is Check Into Cash's Application Process Like?

As with most payday lenders, Check Into Cahs's application process is fast and easy to complete. Approved borrowers can receive their loan with 24 hours, for online borrowers, and within minutes for in-store applicants. Borrowers must provide proof of income and identity. Bring pay stubs, bank statements, your Social Security Number and any othert type of identification you wish to use.

How Is It Better Than Other Lenders?

Check Into Cash offers the flexibility of in-store and online loans. If you live in an area where Check Into Cash has stores, it can mean getting cash in matter of minutes instead of hours. Interest rates are high but they are still competitive when compared to other payday lenders. Unlike many other lenders, Check Into Cash is licensed in all the states where its loans are available.

Its loan matching service can be a help to people who don't meet Check Into Cash's loan criteria but need to find a loan elsewhere. Of course, participating in this thir-party referral system means you have to be willing to share your personal information with other companies or individuals.

  • Advance Fee APR
    153.65% - 1041%
  • Desired Loan Amount
    $100 - $1500
  • No Credit Check
  • No Other Outstanding Loans
  • Direct Deposit
  • Instant Decision
  • Online Application
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0 votes

I can into the Woodruff Ave location in Long Beach to pay off a loan, and had noticed that there were some notices posted about the store beginning to do credit checks. If they deny me after faithfully paying them back because of this, I will never come back here.


0 votes

My late mother was a frequent borrower from Check Into Cash and I thought to myself, "I never want to have to resort to that" but when my husband and I came into some financial problems I mentioned Check Into Cash and we went in and received enough money to get us out of the situation we were in. After paying off this one, would definitely do the Payday Loan at Check Into Cash again!


0 votes

This place is a joke they are slow as hell and have this teenager that is completely lost on the computer. Asking me my SS,number out loud in front of customers. And even though I was here and the more experienced lady has helped 2 other people in front of me. When I pay them back in 2 weeks never ever coming here again. Also a man walked out after he saw they didnt know wtf they were doing.


0 votes

Bad place , was late wasnt going to give me another loan , first wouldnt take my woodforest bank account, south bend or mishawaka stores. Rude customer service, lack of employees. I will tell who ever i can do go somewhere else.


0 votes

Nobody likes having to go to one of these places, but when you need some money for a short-term solution it's great to have a friendly, reliable, legitimate place to go. After trying one of those "check cashing places" that wanted to actually call my boss and speak with them, I tried Check Into Cash. They did not need to actually speak to my boss, although they did take their name & telephone number down. They take the money out late in the day of your paycheck and ... I've never had a timing problem with them. They don't make you feel bad about needing some cash either. More Less


0 votes

Refused to take a payment over the phone as I can wanted to use a different this once. She said it was a hassle to change accounts back and forth and that I had to come in to pay. Paid them off because of that, never again.


0 votes

I applied online and was instantly approved for $500. Both customer service reps I dealt with were friendly and professional. Cant say enough good things. They really saved me


0 votes

Provides clearly what the rates and terms are. They've been in business for a while so I trust them because they are licensed like a bank would be.


0 votes

The rates are horrible but thats what you get when you don't plan for your personal finances and budget well enough right? Having gone through the experience of taking out this loan has only taught me the importance of having an emergency fund.


0 votes

I thought that these guys were the worst, that is until they sent me to someone else who was even more expensive because suddenly they couldn't help me anymore. Why doesn't anyone care about people who have fallen on hard times?


0 votes

Believe it or not, they don't want you to pay back your loan! They would rather keep extending it month after month so that you just owe them forever. I tried to pay my loan off three times, but they keep talking me into another extension!


0 votes

I like the option of either completing the application on line or going into a store in person. They are a good company when you need help in a pinch, but they sure do cost a lot of money for that help.


0 votes

This place is ridiculous. Never taken so long to cash a check at any other place. They ask a bunch of unnecessary questions and are incredibly slow. If all you need is to cash a check, go somewhere else.


0 votes

This company is somewhat frustrating to me. A few years back, I ran into some hard times and took out a loan. I paid off the loan in full, with all payments made on time. I didn't have any issues, and the application process couldn't have been easier. Basically, over a year after paying off the loan, I received a call stating that I owed money. The next day, I received another, even more harassing call. I tried explaining that this loan was from a year earlier, and that it ... HAD been paid. After a few weeks of speaking with debt collecting agencies, the calls stopped. I'm not sure if I'm off the hook, or what's going on. Nevertheless, I'm happy they've stopped calling. More Less


0 votes

I recently found that someone had stolen my outboardd motor off my whaler, and I really didnt have the cash to buy a brand new one and I didnt have insurance on it yet. I had to resort to a payday loan to buy a really crappy, but working used outboard. I got approved for a loan through check into cash with a competative rate i think. Either way, thieves sucjk, but check into cash saved me from having to use paddles


0 votes

Customer service must be from the ice age! The girl who I spoke with had an awkward demeanor and seemed a little unsure off top. She didn't have a clue really when it came to helping me with what I needed. I'm not sure if it's because she was new or what, but she was not at all friendly.


0 votes

I borrowed $300 from check into cash to get my cats fixed. It ended up costing me over $390 to pay them back. It seems very pricy on a three time repayment plan. If you need it you need it i guess. Just another neccessary evil in the world. I definately dont want to ever need them again for that price


0 votes

I was in desperate need for quick financial help, so i dropped into check into cash. I was very quickly overwhelmed by the amount of paperwork needed to complete the initial process. I was also less than prepared, because i didnt have more than one check and more than one form of ID. It ended up being too many hoops for me... Better luck to the patient.


0 votes

Not too bad of a deal. I got the money I needed to supplement my budget till next payday based on my paystubs. I didnt think I would get approved because of my credit, but it was approved and I got the money in 30 minutes. I am content with my experience


0 votes

Not too bad for one of the mainstream payday places. I have had some aweful experiences in the past with these kinds of places. Check into cash had good hours and friendly staff to help me get what I needed. My interest rate is average for this type of loan, so no complaints


0 votes

My neighborhood had a pretty bad termite problem and just about everyone on my block needed to get their homes tented. I never saw that expense coming. Check into cash loaned me the money to save my home from those little wood eaters.


0 votes

My mother recently passed away, but I didnt have enough cash for the funeral services plus the stone and all the other things that come along with such instances. I took out a small loan from check into cash to cover the cost of the head stone. considering the circumstances, they really helped me through


0 votes

I needed a small payday loan to get my car out of impound. I parked on the street sweepiong side of the street at my boyfriends house and no ticket, but towed. That is so expensive> i needed a $350 loan and got it and my car that day


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