This licensed payday lender offers fast online loans, but watch out for short terms and high fees.
Check Into Cash is a licensed payday lender that specializes in emergency financing for people with bad credit. It offers loans as low as $50 — though this amount is usually only available in stores. And in some states, you can qualify for as much as $1,000.
If you apply in person, you can get your money the same day. Otherwise, it can take up to 24 hours to receive your loan. But it charges a fee that can reach over 1,000% APR in some cases. And loans are often due within 14 days, depending on where you live.
Like with all payday loans, save Check Into Cash for emergencies. If you think you'll need more time to pay it back, consider another payday lender.
finder.com's rating: 4.5 / 5.0
★★★★★
Bottom line: This payday lender can get you $50 to $1,000 as soon as the day you apply. But rates often top 300% APR and terms can be as short as 14 days. Save Check Into Cash for when you just need a few extra days to cover an emergency expense.
| Product Name | Check Into Cash Payday Loan |
| Min. Amount | $50 |
| Max. Amount | $1,500 |
| Loan Term | Varies by state |
| Loan Security | Unsecured |
| Turnaround Time | 1 to 2 business days |
| Costs | Varies depending on the amount and your state of residency. |
| Requirements | Active bank account, government-issued photo ID, proof of income, most recent bank statement, checking account and bank routing number and Social Security Number or ITIN (for Indiana residents only) |
Like other payday lenders, Check Into Cash doesn’t charge interest on its payday loans. Instead, you pay a flat fee usually of around $15 to $30 per $100 borrowed, depending on your state.
Loans in most states come with a term of 14 days. Based on these fees and terms, the annual percentage rate (APR) on a Check Into Cash Payday loan can be close to 400%. But in some cases, it can top 1,000% APR. Usually, the more you borrow, the lower the rate — though that’s not always the case.
Before you apply, go to the rates and terms page for your state on the Check Into Cash website, as the effective APR varies by state. You can confirm the fees charged and work out the total cost of the loan to make sure it fits your budget.
Check Into Cash is a legitimate, licensed payday lender that offers loans online and in stores. It also offers title loans, lines of credit and installment loans. Installment loans are similar to payday loans but available at higher amounts and usually give you more time to pay it off.
Since Check Into Cash is one of the biggest payday lenders in the country, it is licensed in every state where it offers payday loans both in person and online. That’s why fees, loan amounts and payment terms vary depending on where you live. And that’s also why it doesn’t offer loans nationwide.
| BBB accredited | Yes |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 2.6 out of 5 stars, based on 5 customer reviews |
| BBB customer complaints | 28 |
| Trustpilot score | 3.7 out of 5, based on 918 customer reviews |
| Customer reviews verified as of | 24 November 2022 |
See how Check Into Cash compares to other services before you apply for a loan.
Check Into Cash has a few basic criteria you need to meet before you can apply for a loan.
You must also live in a state where Check Into Cash offers payday loans.
Check Into Cash has stores in 22 states across the US. It serves 28 states overall.
| State | In-store or online | Loans available |
|---|---|---|
| Alabama | Both | Payday loans, in-store cash advances, title loans |
| Alaska | Online | Payday loans |
| Arizona | In-store | Payday loans, in-store cash advances, title loans |
| California | Both | Payday loans, in-store cash advances |
| Colorado | In-store | In-store cash advances, installment loans, title loans |
| Delaware | Online | Payday loans |
| Florida | Both | Payday loans, in-store cash advances, installment loans, title loans |
| Georgia | In-store | In-store cash advances, title loans |
| Hawaii | Online | Payday loans |
| Idaho | Both | Payday loans, in-store cash advances, title loans |
| Indiana | Both | Payday loans, in-store cash advances |
| Iowa | In-store | Payday loans, in-store cash advances |
| Kansas | Both | Payday loans, in-store cash advances, title loans |
| Kentucky | In-store | Payday loans, in-store cash advances |
| Louisiana | Both | Payday loans, in-store cash advances, title loans |
| Michigan | In-store | Payday loans, in-store cash advances |
| Mississippi | Both | Payday loans, in-store cash advances, title loans |
| Missouri | Both | Payday loans, in-store cash advances, title loans |
| Nevada | Both | Payday loans, in-store cash advances |
| Oklahoma | Both | Installment loans |
| Oregon | Online | Payday loans |
| South Carolina | In-store | Payday loans, in-store cash advances, title loans |
| Tennessee | Both | Payday loans, in-store cash advances, installment loans, title loans |
| Texas | Both | In-store cash advances, installment loans, title loans |
| Utah | Online | Payday loans |
| Washington | Online | Payday loans |
| Wisconsin | Both | Payday loans, in-store cash advances, installment loans, title loans |
| Wyoming | Both | Payday loans, in-store cash advances |
Check Into Cash asks for the following information and documents when you apply for a payday loan:
If you apply in a store, you can bring a check instead of providing your routing number. Residents of Oklahoma and Indiana might also need to provide proof of a Social Security number.
You can get started with your application by clicking the Go to site button on this page or going to Check Into Cash’s website. Then, follow these steps to complete the application:
If you apply online, it can take between one to two business days to get your money. If you apply in the store, you can get your funds the same day you apply.
Check Into Cash automatically deducts your payment from your bank account the day it’s due. If you need more time, call customer service to request an extension before your due date. Usually, you’ll pay a fee similar to one you paid when you first took out the loan.
But save extensions for real emergencies. The more you extend your loan, the more likely you are to owe multiple times the amount you borrowed. This puts you at risk of getting trapped in a cycle of debt.
In many states, Check Into Cash charges a fee of around $25 or $30 if you miss a payment. If you’re more than 15 days late, you might also pay a late fee of around 5% of the loan amount. But these fees, like all other fees, loan amounts and terms, depend on where you live.
Check Into Cash provides customers in certain states secured loans and other financial services. Confirm the service you’re looking at is offered in your state by checking on its website.
See how Check Into Cash compares to other payday lenders — and the alternatives — to make sure you’re getting the best deal available to you.
Answers to common questions about Check Into Cash payday loans.
How many times can you borrow from Check Into Cash?
You can borrow from Check Into Cash as many times as you need. But it only allows you to have one loan out at a time. So for example, if you already have a Check Into Cash payday loan, you can’t apply for a Check Into Cash installment loan or title loan.
Does Check Into Cash affect your credit?
A Check Into Cash payday loan won’t affect your credit if you pay back the loan on time. But if it gets sent to collections, it will show up on your credit report as a charge-off, which will lower your credit score.
How much interest does Check Into Cash charge?
Check Into Cash doesn’t charge interest on its payday loans. Other loan products, like installment loans, title loans and lines of credit typically come with interest. The interest rates available to you vary depending on your state.
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nikkiangco
July 29, 2019
Hi Wanda,
Thanks for your question. It’s great to hear that you want to apply for a loan from Check into Cash Payday loans. To get started, simply click the green GO TO SITE button on the top right portion of the page to be brought to the lender’s main website. As a friendly reminder, carefully review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions and product disclosure statement and contact the bank should you need any clarifications about the policy.
Best,
Nikki
Elizabeth
October 31, 2018
How much do I pay back for 1000
johnbasanes Finder
October 31, 2018
Hi Elizabeth,
Thank you for your question.
Payday loan interest rate may vary from lender to lender. Once you get approved for the loan, you will be given a repayment plan as well as details on the entire repayment amount you will be paying. Please ensure you check this first before finalizing the loan. Hope this helps!
Cheers,
Reggie
Jesse
July 20, 2018
Need $300 or $400 loan not working bad credit with marks but in 6 days I receive my retirement $ which is a nice payout. Can I get a loan?
joelmarcelo
July 20, 2018
Hi Jesse,
Thanks for leaving a question on Finder.
Check Into Cash has a few basic criteria you need to meet before you can apply for a loan with them.
1. You must be at least 21 years old
2. You must live in a serviced state
3. You must have a regular source of income
If you are currently not working, I’m afraid you will have to look elsewhere because Check Into Cash will not approve your loan application. You may also consider your options for borrowing while you’re unemployed, what you need to be aware of and how you can apply.
Cheers,
Joel
Angela
May 31, 2018
I would like to apply and have a title to my vehicle but only need about 400-600. Can I still use it
joelmarcelo
May 31, 2018
Hi Angela,
Thanks for leaving a question on Finder.
If you are looking to get a loan from Check into Cash, you can press the “Go to Site” button to proceed with your loan application or get in touch with their representatives for further assistance.
Please note these criteria to get approved:
– Have an active checking account open for at least 90 days
– Be at least 21 years of age (19 years of age in Alabama)
– Be a citizen or permanent resident of the United States
– Have a current home/cell and work phone number
– Have a valid email address
*Indiana residents must provide proof of a Social Security Number
You can also check other payday loans for more options.
Cheers,
Joel
Shannon
December 04, 2017
What is the limit that I can get or can I get a loan in KY if I have a payday loan already out from another lender?
Rench Finder
December 04, 2017
Hi Shannon,
Thanks for your inquiry. Please note that we have not affiliated with Check Into Cash any company we feature on our site and so we can only offer you general advice.
You can take no more than 2 payday loans in Kentucky simultaneously from one lender every two weeks. The maximum total amount of all outstanding loans that a person can have at any one time is $500.
If you are specifically referring to Check Into Cash’s loan limit, please click on the ‘Go to site’ button from the page and you may contact them directly and inquire further about their loan.
Best regards,
Rench
Wanda
July 29, 2019
I want to apply for a loan for $1,200