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Check Into Cash payday loans review

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

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.

$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 site

Pros

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

Cons

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

Expert review

Anna Serio

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 equivalent to over 300% APR in most states 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.

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 is 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.

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.

Compare more payday loans

See how Check Into Cash compares to other payday lenders before you apply for a loan.

Data updated regularly
Name Product Filter Values Loan amount Turnaround time Requirements
OppLoans Installment Loans
$500 - $5,000
1 business day
Direct deposit, meet minimum income requirements, live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
Pheabs installment loan connection service
$100 - $35,000
As soon as next business day
Fair credit accepted
Check Into Cash Payday Loan
$50 - $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.
Fast5kLoans Short-term Loans Connection Service
$100 - $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.
Monevo Installment Loans
$500 - $100,000
Varies by lender
Credit score of 500+, legal US resident, ages 18+
Quickly compare multiple online lenders with competitive rates depending on your credit.
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Compare up to 4 providers

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 26 states across the US. It serves 32 states overall.

Search:
StateIn-store or onlineLoans available
AlabamaBothPayday loans, in-store cash advances, title loans
AlaskaOnlinePayday loans
ArizonaBothPayday loans, in-store cash advances, title loans
CaliforniaBothPayday loans, in-store cash advances
ColoradoBothIn-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
IllinoisBothPayday loans, in-store cash advances, title loans
IndianaBothPayday loans, in-store cash advances
IowaBothPayday loans, in-store cash advances
KansasBothPayday loans, in-store cash advances, title loans
KentuckyBothPayday loans, in-store cash advances
LouisianaBothPayday loans, in-store cash advances, title loans
MichiganBothPayday loans, in-store cash advances
MississippiBothPayday loans, in-store cash advances, title loans
MissouriBothPayday loans, in-store cash advances, title loans
NebraskaBothInstallment loans
NevadaBothPayday loans, in-store cash advances
New MexicoBothPayday loans, in-store cash advances
OklahomaBothInstallment loans
OregonOnlinePayday loans
South CarolinaBothPayday 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
VirginiaBothInstallment 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.
  • 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 $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

★★★★★ — 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

    Default Gravatar
    Wanda
    July 29, 2019

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

      Avatarfinder Customer Care
      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

    Default Gravatar
    Elizabeth
    October 31, 2018

    How much do I pay back for 1000

      Avatarfinder Customer Care
      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

    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. 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

    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, 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 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

      You can also check other payday loans for more options.

      Cheers,
      Joel

    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?

      Avatarfinder Customer Care
      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.

      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

    Default Gravatar
    Dawn
    June 16, 2017

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

      Avatarfinder Customer Care
      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

    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

      Avatarfinder Customer Care
      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 when you click that link.

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

      Best regards,
      Aliyyah

    Default Gravatar
    Chantel
    March 15, 2017

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

      Avatarfinder Customer Care
      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 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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