8 Companies Like Check Into Cash for Quick Cash in 2024

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Check Into Cash is a bad credit lender that offers payday loans from $50 to $1,500 and installment loans as high as $5,000. It can get you a loan as soon as the same day if you apply at a location — or within 1 to 2 business days if you apply online. But with limited state availability and fees equivalent to up to 650% APRs in some states, another short-term lender — or cash advance app — could be a better choice. Compare companies that are similar to Check Into Cash below.

Lender	Loan amount	Fees	Speed
Cleo	Up to $250	$5.99	3 to 4 days or instant for a fee.	Go to site
EarnIn	Up to $150/day, with a max of $750 between paydays	No membership fee	1 to 3 business days or within minutes for a fee starting at $2.99 per transfer	Go to site
Albert	$25 to $250	$11.99	Instant	Go to site
Brigit	$50 to $250	$8.99 to $14.99 monthly membership fee	1 to 3 business days or instant with a Premium subscription or for a fee.	Go to site
OppLoans	$500 to $4,000	N/A	As soon as the same business day	Go to site
Cash App	$20 to $200	N/A	Same day	Read review
MoneyLion	Up to $500 or $1,000 with RoarMoney account	Free (or $1 to $5 for RoarMoney account)	Up to 5 days or instant for a fee of $0.49 to $8.99	Read review
Possible	Up to $500	No monthly fee but charges $15 to $20 per $100 borrowed	As fast as 1 business day	Read review

Our 8 top loans like Check Into Cash

Alternativefor frequent advances: Cleo
Alternative for larger cash advances: EarnIn
Alternative for financial advice: Albert
Alternative for flexible repayments: Brigit
Alternative for installment loan: OppLoans
Alternative for gig workers: Cash App Borrow
Alternative for free cash advances: MoneyLion
Alternative for a credit boost: Possible Finance

Alternative for frequent advances

Cleo

8.2 Great

Go to site Read review

Where its competitors make you wait three to five days between advances, Cleo allows you to request a new advance only one day after paying off your previous advance. The easiest way to request a $20 to $250 advance is through the app, which requires a $5.99 monthly membership fee, but you can request an advance through Cleo customer service for free.

Cleo also offers financial management tools with your monthly subscription and a credit building service for a $14.99 subscription that includes a secured credit card with reporting to all three credit bureaus.

Loan amount	$20 - $250
Turnaround time	3 to 4 days or instant for a fee.
Costs	$5.99 monthly membership fee to access cash advances

Available in all states

Where its competitors make you wait three to five days between advances, Cleo allows you to request a new advance only one day after paying off your previous advance. The easiest way to request a $20 to $250 advance is through the app, which requires a $5.99 monthly membership fee, but you can request an advance through Cleo customer service for free.
Cleo also offers financial management tools with your monthly subscription and a credit building service for a $14.99 subscription that includes a secured credit card with reporting to all three credit bureaus.
Pros

New advance available 24 hours after payoff

One-time due date extension

Budgeting and saving tools through app

Build credit with Credit Builder subscription
Cons

$5.99 to $14.99 monthly subscription fee

Non-subscribers must contact customer service to apply for cash advances

$3.99 express fee for same-day funding

Loan amount	$20 - $250
Turnaround time	3 to 4 days or instant for a fee.
Costs	$5.99 monthly membership fee to access cash advances

Go to site Read review

Alternative for larger cash advances

EarnIn

9.5 Excellent

Go to site Read review

EarnIn is a cash advance app that doesn't charge interest or membership fees and offers higher advances than most cash advance apps. With EarnIn, borrowers can get advances up to $750 per pay period which is actually more than you can borrow from companies like Check Into Cash in most states. Plus, EarnIn is available in all states except Connecticut. However, you can only borrow up to $150 a day, and not all users are eligible for the highest advances.

Loan amount	Up to $750
Turnaround time	1 to 3 business days or within minutes for a fee starting at $2.99 per transfer
Costs	Free to use or within minutes with a fee as low as $2.99 per transfer

Not available in: Connecticut

EarnIn is a cash advance app that doesn't charge interest or membership fees and offers higher advances than most cash advance apps. With EarnIn, borrowers can get advances up to $750 per pay period which is actually more than you can borrow from companies like Check Into Cash in most states. Plus, EarnIn is available in all states except Connecticut. However, you can only borrow up to $150 a day, and not all users are eligible for the highest advances.
Pros

Bigger loans than Check Into Credit in most states

No membership required

No interest or late fees
Cons

Can only request up to $150 a day

Not all users eligible for highest advances

Must earn at least $320 per pay period

APR	0%
Loan amount	Up to $150/day, with a max of $750 between paydays
Loan Term	1 to 4 weeks
Turnaround time	1 to 3 business days or within minutes for a fee starting at $2.99 per transfer

Loan amount	Up to $750
Turnaround time	1 to 3 business days or within minutes for a fee starting at $2.99 per transfer
Costs	Free to use or within minutes with a fee as low as $2.99 per transfer

Go to site Read review

Alternative for financial advice

Albert

8.8 Great

Go to site Read review

Albert is a banking app with a range of features, including checking, savings and investment accounts. It also offers overdraft protection up to $250, and its Genius service offers AI-powered, human-backed financial and investment advice for a membership fee of $11.99 per month.

To access the overdraft feature, you need to sign up for a free 30-day trial of Genius. But with no phone support, users have reported it's tricky to cancel the service. This makes Albert best for users who want the Genius banking features along with the overdraft service.

Loan amount	$25 - $250
Turnaround time	Instant
Costs	$11.99 monthly subscription to access overdraft protection

Available in all states

Albert is a banking app with a range of features, including checking, savings and investment accounts. It also offers overdraft protection up to $250, and its Genius service offers AI-powered, human-backed financial and investment advice for a membership fee of $11.99 per month.
To access the overdraft feature, you need to sign up for a free 30-day trial of Genius. But with no phone support, users have reported it's tricky to cancel the service. This makes Albert best for users who want the Genius banking features along with the overdraft service.
Pros

Banking and investment features

Overdraft protection up to $250

Track spending across all your accounts
Cons

Requires Genius subscription for overdraft protection

Subscription is $11.99 a month

Mixed customer reviews

Loan amount	$25 to $250
Loan Term	Within 6 days of overdraft, with possible 7-day extension
Turnaround time	Instant

Loan amount	$25 - $250
Turnaround time	Instant
Costs	$11.99 monthly subscription to access overdraft protection

Go to site Read review

Alternative for flexible repayments

Brigit

8.4 Great

Go to site Read review

Brigit is a cash advance app that offers advances up to $250. You'll have to pay a subscription fee between $8.99 to $14.99 monthly membership fee a month, but it offers other features such as budgeting tools and (optional) automatic overdraft protection if your bank account is running low. Plus, where most apps make you repay the advance from your next check, Brigit is more flexible, allowing you to extend repayment up to three times.

Because its monthly fee is a bit pricey compared to some apps, Brigit is best for people who regularly need to borrow between paychecks and want Brigit's other benefits, which include a credit builder program and $1 million in identity theft protection. Since it's not a payday loan, it's available in all 50 states.

Loan amount	$50 - $250
Turnaround time	1 to 3 business days or instant with a Premium subscription or for a fee.
Costs	Brigit Plus: $8.99/month; Brigit Premium: $14.99/month

Available in all states

Brigit is a cash advance app that offers advances up to $250. You'll have to pay a subscription fee between $8.99 to $14.99 monthly membership fee a month, but it offers other features such as budgeting tools and (optional) automatic overdraft protection if your bank account is running low. Plus, where most apps make you repay the advance from your next check, Brigit is more flexible, allowing you to extend repayment up to three times.
Because its monthly fee is a bit pricey compared to some apps, Brigit is best for people who regularly need to borrow between paychecks and want Brigit's other benefits, which include a credit builder program and $1 million in identity theft protection. Since it's not a payday loan, it's available in all 50 states.
Pros

Allows no-fee repayment extensions

Has credit building and budgeting tools

Less expensive than a payday loan
Cons

Monthly membership fee

Not ideal for one-time loans

Requires direct deposit

Loan amount	$50 to $250
Loan Term	Until your next payday, but can extend
Turnaround time	1 to 3 business days or instant with a Premium subscription or for a fee.

Loan amount	$50 - $250
Turnaround time	1 to 3 business days or instant with a Premium subscription or for a fee.
Costs	Brigit Plus: $8.99/month; Brigit Premium: $14.99/month

Go to site Read review

Alternative for installment loans

OppLoans Installment Loans

9.4 Excellent

Go to site Read review

OppLoans is an online installment loan provider that offers relatively low rates and terms compared to other bad credit installment loan providers like Check Into Cash. And unlike Check Into Cash, it reports repayments to credit bureaus to help you build your credit. But its APRs are still high and can reach up to 195%.

With OppLoans, you must meet the minimum monthly income requirement to qualify, which varies from state to state. And because it doesn't offer loans under $500, OppLoans is best for people who need a larger loan than what's available through a cash advance app and need a longer timeframe to pay it back.

Loan amount	$500 - $4,000
Turnaround time	As soon as the same business day
Online application	Yes

Not available in: Colorado, Connecticut, Georgia, Iowa, Maryland, Massachusetts, New York, South Dakota, Vermont, Washington, West Virginia

OppLoans is an online installment loan provider that offers relatively low rates and terms compared to other bad credit installment loan providers like Check Into Cash. And unlike Check Into Cash, it reports repayments to credit bureaus to help you build your credit. But its APRs are still high and can reach up to 195%.
With OppLoans, you must meet the minimum monthly income requirement to qualify, which varies from state to state. And because it doesn't offer loans under $500, OppLoans is best for people who need a larger loan than what's available through a cash advance app and need a longer timeframe to pay it back.
Pros

Lower rates than Check Into Cash

Can improve or build credit

Option to change due date online
Cons

Monthly income requirement varies by state

Minimum loan amount is $500

Higher fees than cash advance apps

Loan amount	$500 - $4,000
Turnaround time	As soon as the same business day
Online application	Yes

Go to site Read review

Alternative for gig workers

Cash App

Read review

Cash App Borrow is a pilot feature of Cash App currently available only to select users. If you're chosen, you can access cash advances up to $200 — but for a 5% finance fee. While eligibility requirements aren't totally clear, Cash App states you need to use its app frequently and have a Cash Card. It also charges a 1.25% finance charge if you make a late payment.

It appears that having regular direct deposits from an employer may not be required to get access to the Borrow feature. This could make it useful for gig workers who get paid in cash. But you need to activate and use a Cash App card to increase your chances of getting access to Borrow.

Loan amount	$20 - $200
Turnaround time	Same day
Costs	5% flat fee

Available in all states

Cash App Borrow is a pilot feature of Cash App currently available only to select users. If you're chosen, you can access cash advances up to $200 — but for a 5% finance fee. While eligibility requirements aren't totally clear, Cash App states you need to use its app frequently and have a Cash Card. It also charges a 1.25% finance charge if you make a late payment.
It appears that having regular direct deposits from an employer may not be required to get access to the Borrow feature. This could make it useful for gig workers who get paid in cash. But you need to activate and use a Cash App card to increase your chances of getting access to Borrow.
Pros

May not need direct deposits to qualify

Not necessarily dependent on employment

Users report good customer service
Cons

Only available in select states

Charges 5% interest plus 1.25% late fee

Must open a Cash Card

Loan amount	$20 to $200
Loan Term	Varies
Turnaround time	Same day

Loan amount	$20 - $200
Turnaround time	Same day
Costs	5% flat fee

Read review

Alternative for free cash advances

MoneyLion Instacash advances

9 Excellent

Read review

MoneyLion is a banking and cash advance app that offers no-fee, interest-free cash advances up to $500 per pay period. This feature is called Instacash, and the amount you can borrow depends on your direct deposit activity, either from an employer or government benefits — but it could take up to eight weeks to unlock your full amount.

MoneyLion also offers an investment account and a credit building program for Free (or $1 to $5 for RoarMoney account) a month. By opening a RoarMoney account or signing up for the paid credit builder program, you can potentially increase your advance amount up to $1,000 per pay period. But some users have complained about app glitches, expensive instant transfers and repeated requests for tips.

Loan amount	$50 - $500
Turnaround time	Up to 5 days or instant for a fee of $0.49 to $8.99
Costs	Free

Available in: Alabama, Arizona, California, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Louisiana, Maryland, Michigan, Missouri, New Mexico, North Dakota, Oklahoma, South Carolina, South Dakota, Texas, Utah, Washington, Wisconsin, Wyoming

MoneyLion is a banking and cash advance app that offers no-fee, interest-free cash advances up to $500 per pay period. This feature is called Instacash, and the amount you can borrow depends on your direct deposit activity, either from an employer or government benefits — but it could take up to eight weeks to unlock your full amount.
MoneyLion also offers an investment account and a credit building program for Free (or $1 to $5 for RoarMoney account) a month. By opening a RoarMoney account or signing up for the paid credit builder program, you can potentially increase your advance amount up to $1,000 per pay period. But some users have complained about app glitches, expensive instant transfers and repeated requests for tips.
Pros

No paid membership required for advances

Offers a banking and investment account

Can increase the advance amount
Cons

A pattern of customer complaints

Users complain of high instant transfers fees

Must sign up for extra services to get higher advances

Loan amount	Up to $500 or $1,000 with RoarMoney account
Loan Term	Due by your next pay date
Turnaround time	Up to 5 days or instant for a fee of $0.49 to $8.99

Loan amount	$50 - $500
Turnaround time	Up to 5 days or instant for a fee of $0.49 to $8.99
Costs	Free

Read review

Alternative for a credit boost

Possible Finance Mobile Installment Loans

Read review

Possible Finance is an online installment loan lender that offers loans up to $500, which you can pay back in up to eight weeks which is longer than most payday loans or cash advance apps.And, unlike most short-term lenders, Possible Finance reports your payments to two of the three credit bureaus, Experian and TransUnion, which can help boost your credit score.

But APRs run high, reaching up to 460% — making Possible Finance more expensive than using a cash advance app, though less expensive than Check Into Cash (depending on the state). And some users report drops in their credit scores when taking out more than one loan a year. But using Possible Finance for a one-time, emergency loan could help boost your credit score as you make timely repayments on your loan.

Loan amount	$50 - $500
Turnaround time	As fast as 1 business day

Available in: Alabama, California, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington

Possible Finance is an online installment loan lender that offers loans up to $500, which you can pay back in up to eight weeks which is longer than most payday loans or cash advance apps.And, unlike most short-term lenders, Possible Finance reports your payments to two of the three credit bureaus, Experian and TransUnion, which can help boost your credit score.
But APRs run high, reaching up to 460% — making Possible Finance more expensive than using a cash advance app, though less expensive than Check Into Cash (depending on the state). And some users report drops in their credit scores when taking out more than one loan a year. But using Possible Finance for a one-time, emergency loan could help boost your credit score as you make timely repayments on your loan.
Pros

Can pay back in up to 8 weeks

Positive reviews on Google Play

Some users report significant credit jumps
Cons

Costs vary by state

APRs run high compared to cash advance apps

Not available in all states

Loan amount	$50 - $500
Turnaround time	As fast as 1 business day

Read review

How does Check Into Cash compare?

Our full review of Check Into Cash breaks down how this payday lender works. But here are the main highlights.

Pros

Loans as low as $50
Online and in-store options
Money can be used for any purpose

Cons

High APRs that can top 650% in some states
Most states don’t offer max payday loan of $1,500
Late fee of $25 to $30
Not available in all states

See how other top providers compare to different lenders by checking out A-to-Z directory. Or, visit our guide to $50 loans for more small-dollar lenders.

MUST READ:

The Consumer Financial Protection Bureau (CFPB) no longer requires lenders to consider your ability to repay a loan. If you don’t repay a short-term loan on time, you could end up owing several times the amount you borrowed. Carefully review your finances and the loan cost to make sure it fits your budget.

Before you take out a short-term loan

Payday loans, installment loans and auto title loans come with high rates and fees, which can trap you in a cycle of debt. The majority of short-term loan borrowers renew their loan at least once, piling on fees that make it even more difficult to repay.

Consider alternatives before opting for a payday, installment or title loan:

Local resources. Government agencies, nonprofits and local charities often offer free financial services and help with food, utilities and rent for those in need.
Payment extensions. Talk with your bill providers about a longer payment plan or extension on your due date if you're behind on payments.
Credit cards. Credit cards typically charge lower interest rates than short-term loans, even on cash advances, making them a flexible, less costly alternative for up to the $500 you can typically take out with a payday loan.

Thank you for your feedback!

To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings and reviewed by Anna Serio, a member of Finder's Editorial Review Board.

Written by

Kat Aoki

Writer

Kat Aoki was a personal finance writer at Finder, specializing in consumer and business lending. She’s written thousands of articles to help consumers make better decisions on their home loans, bank accounts, credit cards, cryptocurrency and more. Kat is well versed in working with leading brands in the real estate, mortgage and personal finance industries, and her expertise has been featured on Lifewire and financial comparison sites like iSelect and realestate.com.au. She holds a BS in business administration from California State University, Sacramento and enjoys hiking and yoga in her spare time. See full bio

Kat's expertise

Kat has written 157 Finder guides across topics including:

Mortgages
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8 companies like Check Into Cash