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 1041.96% 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.

How Much Money Can I Borrow from Check Into Cash?

The maximum loan amounts range from $50 to $25,000 depending on the type of loan and 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, South Dakota, 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 to 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.

  • APR
    153.65% - 1041.96%
  • Credit Bureau Reporting
  • Loan Amount
    $50 - $1500
  • Payment Options
  • Max Loan Term (Months)
  • Checking Account Required?
  • Immigration Status Requirements
    Must be U.S. Citizen or U.S. Permanent Resident
  • Lend To Military?
  • Minimum Age
  • Verification Documents Required?
    Recent pay stubs Driver license (or other photo ID) Proof of citizenship/residence
  • Approval Speed (Hours)
  • Customizable Payment Dates
  • Deferred Payments
  • Funding Time
    Same day
  • Joint Loans Available
  • No Late Fees
  • No Origination Fee
  • No Prepayment Fee
  • Pre-Approved Soft Credit Inquiry
  • Institution Type
    Direct Lender
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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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