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Check Into Cash payday loans review

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

finder.com’s rating: 4.2 / 5.0

★★★★★

When you’re in the market for a quick loan to cover emergency expenses, Check Into Cash may be a solid choice. It offers loans up to $1,000. And depending on your state of residence, you may be able to apply in-store or online. You’ll know within minutes if you’ve been approved.

$50

Min. Amount

$1,000

Max. Amount

1 to 2 business days

Turnaround time

Details

Product NameCheck Into Cash Payday Loan
Min. Amount$50
Max. Amount$1,000
Loan TermVaries by state
Loan SecurityUnsecured
Turnaround Time1 to 2 business days
CostsVaries depending on the amount and your state of residency.
RequirementsBank account, email address, phone number, US citizen or permanent resident, ages 21+
Go to Check into Cash's website
For new customers, loan amount can go up to $750 or state maximum.

States where Check Into Cash is available:

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

  • Alabama
  • Alaska
  • California
  • Delaware
  • Florida
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Louisiana
  • Mississippi
  • Missouri
  • Nevada
  • Oklahoma
  • Oregon
  • Tennessee
  • Texas
  • Utah
  • Washington
  • Wisconsin
  • Wyoming

First, do I qualify?

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

  • You must be at least 21 years old
  • You must live in a serviced state
  • You must have a regular source of income

How do Check Into Cash payday loans work?

You can apply in-store or online through a simple application.

In-store

  • Application. Bring all the necessary information to a nearby store and complete the application with an associate.
  • Funds. If you’re approved, you could walk out with your loan funds the same day.
  • Repayment. Provide either a check or your bank account information so your loan can be repaid on the due date.

Online

  • Application. Complete the application online. If you’re preapproved, read the loan contract and sign the contract to receive your loan.
  • Funds. Funds will be deposited into your bank account as soon as the next business day.
  • Repayment. The original loan amount and all fees and finance charges will be debited from you bank account on your next payday.

Whichever option you choose, you’ll need to pay fees for what you borrow, though the exact amount will vary by your state of residence and loan amount. Short-term loans can be expensive, so consider your options carefully before committing.

How do Check Into Cash loans compare?

Updated November 17th, 2019
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
$5,000
1 business day
Direct deposit, meet minimum income requirements
Comes with the option to change your due date so you won’t fall behind on repayments.
$35,000
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
$1,000
1 to 2 business days
Bank account, email address, phone number, US citizen or permanent resident, ages 21+
Plus, get access to check cashing, cell phone top ups, bill pay and more at one of its many storefronts.
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
$15,000
Same business day to 1 business days
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
$50,000
Same business day to 1 business days
Employed, $800+ regular monthly income, checking account, ages 18+, US citizen
Fill out a simple online form to compare offers from several lenders that may be able to help.
$2,600
1 to 2 business days
Active checking account, regular source of income, email address
Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.
$10,000
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.

Compare up to 4 providers

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

  • Convenient and quick. You’ll know if you’ve been approved in a matter of minutes, and funds can be deposited into 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. As long as your loan is used for a legal purpose, you can use the money for any expense.
  • Relaxed application criteria. You can apply for a Check Into Cash loan despite having bad credit. Check Into Cash is concerned with your ability to repay.

What to watch out for

While Check Into Cash doesn’t charge a fee to apply, 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 your loan offer document.

If 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.

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 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.
  • Installment loans. Check Into Cash offers installment loans to residents of Colorado, Illinois, Mississippi, Missouri and Wisconsin.
  • Line of credit. Lines of credit allow you to borrow as much as you need whenever you need it.
  • 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, even ones that have been partially used.
  • Cell phone minutes. Check Into Cash offers residents of some states no-contract phones. Most major carriers can be reloaded in-store.
  • 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 $2,500.

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.

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.

If you find a similar offer with a lower interest rate at a competing title loan location, you can show Check Into Cash, and the store will try to match it.

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 Check Into Cash a legit lender?

Yes. Check Into Cash is licensed to provide loans in each state it operates. This means Check Into Cash follows all applicable state regulations regarding loan amount, term and fees. Your personal information is also kept safe through encryption, and Check Into Cash follows a standard privacy policy. If you want to limit Check Into Cash’s ability to share your information with third parties, you can call its customer service line or submit the mail-in form.

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 do I apply?

Depending on where you live, you can either apply at a Check Into Cash location near you or online. Either way, you’ll have to provide some information as to who you are.

Eligibility criteria:

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

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:

I got the loan! Now what?

Great! The best thing to do is budget for your payment. With short-term loans, your interest and principal will usually be due by you next check, so it’s important to be able to cover the whole cost of the loan before you borrow. 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 meet other eligibility criteria. 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 these 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.

But if you’re on the fence, you may want to compare lenders like Check Into Cash or read up on short-term loans before making a decision.

Frequently asked questions

Short-term loan ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze short-term loan providers and similar services to help you weed out predatory lenders and find a company you can trust. We rate providers on a scale of one to five stars. Our ratings are based on factors that are most important to you, which include: loan amount, application process, fees, customer reviews and borrower experience.

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

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16 Comments

  1. Default Gravatar
    Wanda
    July 29, 2019

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

    • AvatarStaff
      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

  2. Default Gravatar
    Elizabeth
    October 31, 2018

    How much do I pay back for 1000

    • AvatarStaff
      johnbasanes
      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!

      Cheers,
      Reggie

  3. Default Gravatar
    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?

    • Default Gravatar
      joelmarcelo
      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. This guide will take you through your options for borrowing while you’re unemployed, what you need to be aware of and how you can apply.

      Cheers,
      Joel

  4. Default Gravatar
    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

    • Default Gravatar
      joelmarcelo
      June 1, 2018

      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.

      Cheers,
      Joel

  5. Default Gravatar
    Shannon
    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?

    • AvatarStaff
      Rench
      December 4, 2017

      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,
      Rench

  6. Default Gravatar
    Dawn
    June 16, 2017

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

    • AvatarStaff
      Jason
      June 17, 2017

      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,
      Jason

  7. Default Gravatar
    Gregg
    June 14, 2017

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

    • AvatarStaff
      Aliyyah
      August 3, 2017

      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,
      Aliyyah

  8. Default Gravatar
    Chantel
    March 15, 2017

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

    • AvatarStaff
      Harold
      July 13, 2017

      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.

      Cheers,
      Harold

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