Check Into Cash payday loan review June 2018 |

Check Into Cash payday loans review

We know that everyone's situation is unique and we aim to help you find the right product for you. We may receive compensation when you visit our partners' sites or are approved for their products. You can read more about how we maintain editorial independence and how we make money here.

Apply for a short-term loan with Check Into Cash and quickly learn if you’re approved.

Check Into Cash is a direct lender that offers payday loans up to $1,500. Depending on your state of residence, you can apply in-store or online, and you’ll know within minutes if you’ve been approved.

Read our review below to learn more about borrowing with Check Into Cash.

Min Loan Amount$50
Max. Loan Amount$1,000
Loan TermVaries by state
Loan SecurityUnsecured
Turnaround Time1–2 business days
CostsVaries depending on the amount and your state of residency.
RequirementsYou must be at least 21 and an American citizen and have a bank account, email address and phone number.


  • Safe, secure application.
  • Use the money for any purpose.
  • Receive funds as soon as next business day.


  • Maximum loan amount varies by state.
  • Loans not available in all states.
  • 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

States where Check Into Cash does not offer loans:

  • Arkansas
  • Connecticut
  • Maine
  • Maryland
  • Massachusetts
  • Minnesota
  • Montana
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Pennsylvania
  • Rhode Island
  • South Dakota
  • Vermont
  • West Virginia

It also only offers title loans in Arizona and Georgia.

If you live in one of these states be sure to look at our payday loan guide to find out which lenders offer loans where you live.

First, do I qualify?

If you live in a state where Check Into Cash provides in-store or online payday loans and you have a regular source of income, you may qualify for a loan. It’s important to be at least 21, and while the source of your income may matter, you may still be able to borrow even if you aren’t traditionally employed.

Check the requirements below before you apply.

What are the benefits of a Check Into Cash payday loan?

A Check Into Cash payday loan comes with a number of features; here’s what you need to know before applying:

  • Convenient and quick. You can apply for a Check Into Cash payday loan online, and Check Into Cash informs you of your application’s status in less than 60 seconds. After approval, you can expect the funds to be deposited in your bank account as soon as the next business day.
  • Money for anything. Check Into Cash doesn’t place limitations on how you can use the loan amount. Use it for just about any legitimate purpose like paying medical bills, buying groceries or simply getting through a temporary setback.
  • Relaxed application criteria. You can apply for a Check Into Cash loan despite having bad credit as long as you have the ability to repay.

How do Check Into Cash payday loans work?

A Check Into Cash payday loan is a short-term advance on your next paycheck. It is not a long-term solution, but an option for covering unexpected expenses.


  • Application. Complete the application online. If you are pre-approved, e-sign the application to confirm your funds.
  • Funds. Funds will be deposited into your bank account as soon as the next business day.
  • Repay loan. The original loan amount and all fees and finance charges will be debited from you bank account on your next payday.


  • Application. Bring all the necessary information to the store and complete the application with an associate.
  • Funds. Receive cash instantly.
  • Repay loan. Provide either a pre-signed check or your bank account information for direct debit of the original loan amount and all fees.

What other loans and services are available through Check Into Cash?

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.

  • Title loan or title pawn. If you own a vehicle, you can use your car to serve as collateral and get a Check Into Cash title loan. Certain states like Alabama and Georgia require you to apply for a title pawn instead. They are similar, and with each, your vehicle serving as collateral.
  • Installment loan. An installment loan is similar to a payday loan, except installment loans are paid over a period of months, usually three to six.
  • Line of credit. A line of credit serves as a ready source of extra cash. Borrow as much as you like within your credit limit, and you only have to pay interest on the money you use, just like with a credit card.

How does a title loan from Check Into Cash work?

Check Into Cash allows you to borrow between $1,350 to $25,000 against the title of your car or motorcycle. The process is easy. Simply visit a Check Into Cash location near you and request an evaluation on your vehicle. If you want to make your loan application even faster, you can fill out a short form on the website to see how much your vehicle may be worth with Check Into Cash’s online appraisal tool.

The amount you can borrow and the eligibility requirements vary by state, but you’ll need to bring a government-issued photo ID, proof of income and proof of residence when you visit a Check Into Cash store. In addition, if you find a similar offer with a lower interest rate at a competing title loan location, you can show Check Into Cash, and they will try to match it.

Read up on auto title loans before you apply

What to watch out for

While there is no fee for applying, payday loans typically come with high service fees and finance charges. The fees vary depending on your state, the amount you borrow and your current financial situation. Check Into Cash outlines how much you’ll have to pay in the loan offer document.

If you don’t agree with the terms, you are under no obligation to accept the loan.

Once you accept, you’ll be required to repay the principle and interest on the due date, usually two to four weeks later. If you make a late payment or miss one entirely, you can be charged extra fees. Before taking out a loan, be sure you can repay. Otherwise, you may find yourself owing much more than you borrowed.

How do Check Into Cash loans compare?

Rates last updated June 25th, 2018
Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
Name Product Product Description Max. Loan Amount Turnaround Time Requirements
Check into Cash Payday Loan
With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
1–2 business days
You must be at least 21 and an American citizen and have a bank account, email address and phone number.
LendUp Payday Loans
LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.
generally receive the money the next business day
Be 18+ years of age and have a checking account that can accept electronic transfers.
CashNetUSA Loan
Apply for a short-term loan with an easy online application and dedicated customer service.
Varies by state
1 business day
You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
ACE Cash Express Payday Loans
Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
Varies by state
Generally receive the money the next business day
Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.
LoanByPhone Payday and Installment Loans
This mobile lender offers convenient cash loans. Apply online or by phone.
1–2 business days
Must be 21 years old and have a Social Security number, a regular source of income, a valid email address, an active checking account and a phone number.
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.

Compare up to 4 providers

What does the Internet say about Check Into Cash?

Check Into Cash has been accredited by the Better Business Bureau (BBB) since 2000 and has an A+ rating. On TrustPilot, it has a 4-star rating averaged from about 650 reviews, the majority of which are quite positive.

The negative complaints centered around the turnaround time and the high interest. While these are valid complaints, they tend to be common concerns with short-term loans. Be sure to read your loan contract before signing so that you understand when you can expect to receive approved funds and the costs you’re expected to pay.

Is it safe to borrow from Check Into Cash?

Yes. Check Into Cash is one of the founders of the industry’s national trade association, the Community Financial Services Association of America (CFSA). Check into Cash believes in truthful advertising and full disclosure, and suggests that you turn to payday loans only as a short-term solution.

How Check Into Cash keeps its borrowers’ information safe

Ready to apply?

Whether you apply in-store or online, you’ll have to provide some information as to who you are.

Eligibility criteria:

  • Be at least 21 years old (19 in Alabama)
  • Be a US citizen or a permanent resident
  • Have an open checking account
  • Have a regular source of income

Required information:

  • Your name, date of birth, Social Security number and driver’s license number
  • Your residential address, email address, and phone number
  • Details about your employment status and income
  • Details about your bank account

Application process:

1. When you click Go to Site, you’ll be redirected to the application page. Enter your name, email, phone and zip code in order to proceed to the next step.

2. On the first page, you’ll need to provide your personal information, including your Social Security number. This is to help confirm your identity and protect against fraud.

Page 2

3. You’ll need to provide a source of income and how often you’re paid. It’s okay if you’re not regularly employed, but it may impact the rates you receive on your loan.

Page 3

4. On the final page, enter your bank account information. This is where your loan will be deposited upon approval and where your payments will be withdrawn.

Page 4

5. Once you submit, wait a few minutes while the application processes. You’ll be notified on the next screen if you’ve been pre-approved or if you’ve been rejected. If you are approved, you’ll be contacted by phone or email by Check Into Cash to confirm your identity and finalize your application.

Where does Check Into Cash operate?

Unless otherwise noted, Check Into Cash offers its services both in-store and online to residents of these states.

  • Alabama
  • Alaska
  • California
  • Colorado (in-store only)
  • Delaware (online only)
  • Florida
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa (in-store only)
  • Kansas
  • Kentucky (in-store only)
  • Louisiana
  • Michigan (in-store only)
  • Mississippi
  • Missouri
  • Nebraska (in-store only)
  • Nevada
  • Ohio
  • Oklahoma
  • Oregon (online only)
  • South Carolina (in-store only)
  • Tennessee
  • Texas
  • Utah (online only)
  • Washington (online only)
  • Wisconsin
  • Wyoming

I got the loan! Now what?

Great! The best thing to do is budget for your payment. With payday loans, your interest and principal will be due by you next check, so it’s important to be able to cover the whole cost of the loan before you borrow. Like all short-term loans, what you borrow from Check Into Cash should only be used to cover an emergency or budget shortfall. Because of the high interest, it’s crucial to only take out what you need when you need it.

I didn’t get the loan. What’s next?

There are a number of reasons you didn’t receive a loan offer. While short-term loans are designed for people with bad credit, you still have to be able to afford the loan. Often, people are rejected because their financial situation simply can’t support the quick turnaround and high repayment of a short-term loan. You should make sure you can afford a loan before you apply again, and if you need money quickly, consider some of the loan alternatives.

Bottom line

If you’re in need of a little extra cash between checks, Check Into Cash may be a good way to keep you going until you get paid. With an A+ rating from the BBB and plenty of locations in every state, applying is easy and you could see your funds deposited into your account as soon as the next business day.

Frequently asked questions

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.

10 Responses

  1. Default Gravatar
    AngelaMay 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

    • finder Customer Care
      joelmarceloJune 1, 2018Staff

      Hi Angela,

      Thanks for leaving a question on finder.

      If you are looking to get a loan from Check into Cash, please go HERE.

      Please note of 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

      If you are still looking to compare your options for payday loans, please go HERE.


  2. Default Gravatar
    ShannonDecember 4, 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?

    • finder Customer Care
      RenchDecember 4, 2017Staff

      Hi Shannon,

      Thanks for your inquiry. Please note that we are not affiliated with Check Into Cash any company we feature on our site and so we can only offer you general advice.

      If you are referring to Check Into Cash, please click on the ‘Go to site’ button from the page and you may contact them directly and inquire further about their loan.

      You can also check this page for payday loan options in Kentucky.

      Best regards,

  3. Default Gravatar
    DawnJune 16, 2017

    Can I repay the loan either in person or using my prepaid bank card?

    • finder Customer Care
      JasonJune 17, 2017Staff

      Hi Dawn,

      Thank you for your inquiry.

      Check Into Cash requires an active checking account from loan applicants in order to provide payday loan. The loaned amount and fees will be automatically withdrawn from the checking account of the loan applicant on the due date of their loan term.

      If you want to repay your online payday loan early, you may contact a customer service representative of Check Into Cash to arrange an early payoff.

      Kind regards,

  4. Default Gravatar
    GreggJune 14, 2017

    Can i apply if my checking acct is through a prepaid online bank with direct deposit? (Rushcard visa)1 year

    • finder Customer Care
      AliyyahAugust 3, 2017Staff

      Hi Gregg,

      Thank you for your question. You must have an active checking account in your name to apply for a loan through Check Into Cash. This lender does not load funds onto prepaid card accounts.

      You may want to consider other short term loan lenders to find one that doesn’t require a bank account to apply. You can learn more about your options here.

      Feel free to reach out to us again should you have any additional questions.

      Best regards,

  5. Default Gravatar
    ChantelMarch 15, 2017

    How can I contact you I need a loan plz it’s emergency

    • finder Customer Care
      HaroldJuly 13, 2017Staff

      Hi Chantel,

      Thank you for your inquiry.

      While we do not represent any company that we feature on our pages, we can offer you a general advice. Should you need an emergency loan this option might be helpful.

      I hope this information has helped.


Go to site