Check Into Cash Payday Loan isn't available on Finder right now.
Min. Amount
$50
Max. Amount
$1,500
Turnaround time
1 to 2 business days
Our verdict
This licensed payday lender offers fast online loans, but watch out for short terms and high fees.
Check Into Cash is a licensed payday lender that specializes in emergency financing for people with bad credit. It offers payday 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 $1,500. It also offers installment loans up to $5,000 and title loans up to $25,000.
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 600% 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.
Pros
Safe, secure application
Use the money for any purpose
Receive funds as soon as same day in store
Online loans as soon as next business day
Cons
Maximum loan amount varies by state
Loans not available in all states
In this guide
Our verdict
Details
Product details
Your reviews
Ask a question
finder.com's rating: 4.5 / 5.0
★★★★★
Bottom line: This payday lender can get you $50 to $1,500 as soon as the day you apply. But rates often top 650% 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.
Details
Product details
Product Name
Check Into Cash Payday Loan
Min. Amount
$50
Max. Amount
$1,500
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
Active 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)
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% or more. 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 accredited
No
BBB rating
A+
BBB customer reviews
1.27 out of 5 stars, based on 177 customer reviews
BBB customer complaints
409
Trustpilot score
3.9 out of 5, based on 944 customer reviews
Customer reviews verified as of
19 May 2024
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 alternatives to Check Into Cash
See how Check Into Cash compares to other services before you apply for a loan.
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:
State
In-store or online
Loans available
Alabama
Both
Payday loans, in-store cash advances, title loans
Arizona
In-store
Payday loans, in-store cash advances, title loans
California
Both
Payday loans, in-store cash advances
Florida
Both
Payday loans, in-store cash advances, installment loans, title loans
Georgia
In-store
In-store cash advances, title loans
Indiana
Both
Payday loans, in-store cash advances
Iowa
In-store
Payday loans, in-store cash advances
Kansas
Both
Payday loans, in-store cash advances, title loans
Kentucky
In-store
Payday loans, in-store cash advances
Louisiana
Both
Payday loans, in-store cash advances, title loans
Michigan
In-store
Payday loans, in-store cash advances
Mississippi
Both
Payday loans, in-store cash advances, title loans
Missouri
Both
Payday loans, in-store cash advances, title loans
Oklahoma
Both
Installment loans
South Carolina
In-store
Payday loans, in-store cash advances, title loans
Tennessee
Both
Payday loans, in-store cash advances, installment loans, title loans
Wisconsin
Both
Payday loans, in-store cash advances, installment loans, title loans
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:
Fill out the prequalification form with basic information to view your potential rates and terms.
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.
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.
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.
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Check Into Cash Payday Loan is not currently available on Finder
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Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
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.
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!
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?
joelmarcelo
July 20, 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.
I would like to apply and have a title to my vehicle but only need about 400-600. Can I still use it
joelmarcelo
May 31, 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.
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?
Rench Finder
December 04, 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.
Anna Serio was a lead editor at Finder, specializing in consumer and business financing. A trusted lending expert and former certified commercial loan officer, Anna's written and edited more than 1,000 articles on Finder to help Americans strengthen their financial literacy. Her expertise and analysis on personal, student, business and car loans has been featured in publications like Business Insider, CNBC and Nasdaq, and has appeared on NBC and KADN. Anna holds an MA in Middle Eastern studies from the American University of Beirut and a BA in Creative Writing from Macaulay Honors College at Hunter College, CUNY.
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Wanda
July 29, 2019
I want to apply for a loan for $1,200