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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
| Product Name | Check Into Cash Payday Loan |
|---|---|
| Min. Amount | $50 |
| Max. Amount | $1,000 |
| 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 | Bank account, email address, phone number, US citizen or permanent resident, ages 21+ |
Unless otherwise noted, Check Into Cash offers its services both in-store and online to residents of these states.
Check Into Cash has a few basic criteria you need to meet before you can apply for a loan.
You can apply in-store or online through a simple application.
In-store
Online
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.
At the end of 2019, Check Into Cash started offering installment loans for borrowers who need a quick fix when an emergency happens. It’s a safer alternative to taking out a payday loan and comes in larger amounts. It doesn’t cost anything to apply, and you can find out if you’re approved in a matter of minutes. These loans come with either biweekly or monthly repayments, depending on the terms laid out in your contract.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
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