Features

Check Into Cash is a payday loan and title loan lender based in Cleveland, Tennessee. It provides loans online and at over 1,000 store locations.

How Does Check Into Cash Work?

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.

What Are The Interest Rates?

Interest rates range from 153.65% to 1041% 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.

How Much Money Can I Borrow from Check Into Cash?

The maximum loan amounts range from $100 to $1,500 depending on the state you live 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.

Which States Does Check Into Cash Operate In?

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

In Oregon it only offers online loans and it only offers in-store loans in Arizona, New Mexico, Colorado, Nebraska Iowa, Kentucky Virginia, South Carolina and Georgia. It offers both online and in-store loans in all other states.

Title loans 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?

The online application process includes a short form. If you are approved, you will receive a loan offer with the rates and terms of the loan. Once you agree with the terms, the cash will be wired by the next business day. To qualify you must 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.

How Is It Better Than Other Lenders?

Check Into Cash provides the option of applying online and having cash wired to your bank account or picking the money instantly from one of its stores. Its rates and terms are competitive and it's licensed in all the states where it operates.

It also provides a loan matching service for customers who don't meet their eligibility requirements. However, the service includes sharing your personal and financial information with third-parties, which may cause you to receive unwanted calls, emails and letters from marketing partners.

  • Credit bureau reporting
  • Interest APR
    153.65% - 1041.96%
  • Joint loans available
  • Loan Amount
    $100 - $1500
  • No late fees
  • Max Loan Term (Months)
    12
  • Lend to military?
  • Institution Type
    Direct Lender
  • Approval Speed (Hours)
    24
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0 votes

this place suck azz i never do business with them again you miss one payment and they ready to pay take ur stuff man they suck badly


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

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.

It only takes 2 minutes to request your money and virtually "sign" your new contract. 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.


0 votes

You fill out the entire application with even banking information on this to be turned down. The application was an entire waste of my time.


0 votes

Horrible. U feel out the app and denied no matter what. Never ever ever again. U guys need to fix your issues if u want businees


0 votes

I was recently evicted from my apartment and needed to move fast, but only had enough to pay first months rent. I needed help from check iinto cash for the $500 deposit which was perfect because that is how much I was approved for. Thank you check into cash!


0 votes

The only reason why I tried it's because the ad said loans from $500 - $3,000 false advertisement when you talk to them they will tell you that they do not offer loans up to 3000


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