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.
Aliyyah Camp is a writer and personal finance blogger who helps readers compare personal, student, car and business loans. Aliyyah earned a BA in communication from the University of Pennsylvania and is based in New York, where she enjoys movies and running outdoors.
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.
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.
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.
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.
Check Into Cash installment loans
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.
Loan amounts: $100 to $3,000
Loan terms: A few weeks to one year
States available: Colorado, Florida, Illinois, Mississippi, Missouri and Wisconsin.
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.
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?
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.
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
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.
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.
You can apply for any amount in between $100 and $1,500, but how much you qualify for depends on your ability to repay and your state’s regulations.
If you apply online, Check Into Cash transfers the money into your bank account electronically. If you apply in-store, you can receive your loan money on the spot.
No. The account needs to have been operational for at least 90 days.
Yes, you can apply with bad credit. Check Into Cash is concerned with your ability to repay more than your history, and it doesn’t send information to the three major credit bureaus.
You can find out about your application’s status within a minute of submitting it, and if Check Into Cash approves your loan, you can get access to money by the next business day.
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.
How likely would you be to recommend finder to a friend or colleague?
Very UnlikelyExtremely Likely
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.