Does Check Into Cash check your credit?

Check Into Cash does not disclose its credit check process on its website. The application requires a Social Security Number or ITIN, proof of income and bank account information. Contact your local store or call 833-241-3329 to ask about the credit check process for the specific loan type you're considering before you apply.

Can you have more than one Check Into Cash loan at a time?

You may only have one loan at a time with the company.

What happens if you can't repay on time?

Check Into Cash offers repayment options depending on your state, including Extended Payment Plans (EPP) and Variable Payment Plans (VPP). Contact Check Into Cash one banking day before your due date to discuss your options. Additional fees typically apply to any repayment extension.

Is Check Into Cash available in my state?

Check Into Cash has store locations in over 15 states, with online availability in additional states. Loan types vary by state. Enter your ZIP code at checkintocash.com to see what products are available where you live.

How long does it take to receive funds from Check Into Cash?

In-store approvals can result in same-day cash. Online approvals can result in funds deposited as soon as the next business day.

Why is the APR on a payday loan so high?

Check Into Cash addresses this directly, stating that "high APRs are due to the short-term nature of payday loans" and that each loan is required by law to express fees and interest as an APR — illustrating what the cost would be compared to a one-year borrowing period.