Check Into Cash payday loans review

This licensed payday lender offers fast online loans, but watch out for short terms and high fees.’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.

1 to 2 business days

Turnaround time


Product NameCheck Into Cash Payday Loan
Loan TermVaries by state
Loan SecurityUnsecured
Turnaround Time1 to 2 business days
CostsVaries depending on the amount and your state of residency.
RequirementsActive 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)


  • Loans from $50 to $1,000, depending on the state
  • Same-day funding if visit store
  • Online application available for in-store loans


  • Typical APR over 300%, depending on the state
  • Must be over 21 in most states
  • Terms usually around 14 days, depending on the state

Review by

Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

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.

For new customers, loan amount can go up to $750 or state maximum.

Check Into Cash rates, fees and terms

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.

What is Check Into Cash and is it legit?

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.

Check Into Cash reviews and complaints

BBB accreditedYes
BBB ratingA+
BBB customer reviews2.6 out of 5 stars, based on 5 customer reviews
BBB customer complaints28
Trustpilot score4.5 out of 5, based on 918 customer reviews
Customer reviews verified as of11 February 2021

Check Into Cash gets mostly positive online reviews — especially compared to other payday lenders. Many were happy with the quality of customer service they received at a Check Into Cash location. The few complaints tend to involve technical issues — a few caused borrowers to miss a payment and be charged late fees.

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Am I eligible?

Check Into Cash has a few basic criteria you need to meet before you can apply for a loan.

  • At least 21 years old, 19 in Alabama
  • Active checking account open for at least 90 days
  • US citizen or permanent resident
  • Active phone number
  • Valid email address

You must also live in a state where Check Into Cash offers payday loans.

What states is Check Into Cash available in?

Check Into Cash has stores in 22 states across the US. It serves 28 states overall.

Search for your state:
StateIn-store or onlineLoans available
AlabamaBothPayday loans, in-store cash advances, title loans
AlaskaOnlinePayday loans
ArizonaIn-storePayday loans, in-store cash advances, title loans
CaliforniaBothPayday loans, in-store cash advances
ColoradoIn-storeIn-store cash advances, installment loans, title loans
DelawareOnlinePayday loans
FloridaBothPayday loans, in-store cash advances, installment loans, title loans
GeorgiaIn-storeIn-store cash advances, title loans
HawaiiOnlinePayday loans
IdahoBothPayday loans, in-store cash advances, title loans
IndianaBothPayday loans, in-store cash advances
IowaIn-storePayday loans, in-store cash advances
KansasBothPayday loans, in-store cash advances, title loans
KentuckyIn-storePayday loans, in-store cash advances
LouisianaBothPayday loans, in-store cash advances, title loans
MichiganIn-storePayday loans, in-store cash advances
MississippiBothPayday loans, in-store cash advances, title loans
MissouriBothPayday loans, in-store cash advances, title loans
NevadaBothPayday loans, in-store cash advances
OklahomaBothInstallment loans
OregonOnlinePayday loans
South CarolinaIn-storePayday loans, in-store cash advances, title loans
TennesseeBothPayday loans, in-store cash advances, installment loans, title loans
TexasBothIn-store cash advances, installment loans, title loans
UtahOnlinePayday loans
WashingtonOnlinePayday loans
WisconsinBothPayday loans, in-store cash advances, installment loans, title loans
WyomingBothPayday loans, in-store cash advances

What information do I need to apply?

Check Into Cash asks for the following information and documents when you apply for a payday loan:

  • Bank routing number
  • Personal contact information
  • Social Security number
  • Details about your employment status and income
  • Recent pay stub or proof of income
  • Government-issued photo ID
  • Recent bank statement

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.

How do I apply?

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:

  1. Fill out the prequalification form with basic information to view your potential rates and terms.
  2. If you prequalify, view your offer and follow the instructions to complete the application. If you opted to get the loan online, connect your bank account information.
  3. Wait for a call from a customer service representative to verify the information on your application. Or visit a store if you’ve opted to verify your information in person.
  4. Wait to receive your funds.

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.

What are my payment options?

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.

Check Into Cash late fees

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.

More loans and services 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 loans. If you own a car, you can use the title as collateral for a secured loan, which allows you to borrow more when you need it.
  • Line of credit. Lines of credit allow you to borrow as much as you need whenever you need it.
  • Installment loans. You’ll typically be able to borrow a larger amount over a longer period with this type of loan.
  • Check cashing. You can cash almost any check onto a prepaid debit card or cash.
  • Reloadable prepaid cards. Check Into Cash provides prepaid debit cards through Visa that you can reload.
  • Sell gift cards. Sell your gift cards for cash — even ones that have been partially used.
  • Money transfers. Some stores now have Western Union money transfer services.
  • Flex loans. Open-end loans, that act as a renewable credit line, are available for up to $4,00 to Tennessee residents.

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.

Frequently asked questions

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.

Short-term loan ratings

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★★★★★ — Subpar

★★★★★ — Poor

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Read the full methodology of how we rate short-term loan providers and similar services.

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  1. Default Gravatar
    July 29, 2019

    I want to apply for a loan for $1,200

    • Default Gravatar
      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.


  2. Default Gravatar
    October 31, 2018

    How much do I pay back for 1000

    • Avatarfinder Customer Care
      November 1, 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!


  3. Default Gravatar
    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?

    • Default Gravatar
      July 21, 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.


  4. Default Gravatar
    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

    • Default Gravatar
      June 1, 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.


  5. Default Gravatar
    December 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?

    • Avatarfinder Customer Care
      December 4, 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,

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