Check Into Cash Review (2025)

Check Into Cash is a payday lender offering payday loans of up to $1,000 to borrowers with bad credit.

The company also offers several other in-store services, including check cashing, bill pay, and purchasing gift cards for cash.

Prospective applicants should know that any provided rates and terms are examples only. Check Into Cash offers several different loan types.

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Check Into Cash was founded in 1993 in Cleveland, Tennessee, by an entrepreneur named Allan Jones. Today, Check Into Cash is comprised of more than 1,000 branch locations in 30 states. See the list of states here.

Check Into Cash stores are available in 26 states; however, they do not offer online lending in all of those states.

Here's a quick summary of Check Into Cash:

There are Check Into Cash locations in the following states:

Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Kansas, Louisiana, Mississippi, Missouri, Nevada, Oklahoma, Oregon, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming.

You can read ****Check Into Cash reviews below or add your own.

Products Offered

Check Into Cash offers the following:

Check Into Cash installment loans are similar to payday loans but they are available with higher limits, longer repayment terms, and lower APRs.

As one of the biggest payday lenders in the US, Check Into Cash does not offer loans in every state, and rates and fees will also differ by state.

Check Into Cash offers payday loans in some states and the amount typically ranges from $50 to $1,500, depending on the laws in every state.

You can pre-qualify online and see how much you qualify for, as it is dependent on your eligibility and ability to repay. If you don't want to apply online you can also complete your payday loan application at one of their physical locations.

Installment Loans

Check Into Cash offers installment loans of up to $5,000 depending on your state. You can repay in bi-weekly or monthly payments and there is no penalty for early payment.

Keep in mind that you can't get an installment loan and a cash advance at the same time.

Green Dot Visa Debit Card

You can get your Green Dot Visa Debit Card from any one of their locations nationwide. It comes with banking features to help you manage your money and you can use it to make purchases, pay bills, deposit your paycheck, and more.

You can use your card anywhere Visa® is accepted.

Pros

If you borrow in-person at a store you can get your cash immediately. Applying online means you could get your money as soon as the next day.

The loan application process is very easy and can be done online in minutes.

Cons of

Check Into Cash doesn't charge interest but instead charges a flat loan fee which is typically around $15 to $30 per $100. This can translate into a high APR of up to 400% and in some cases up to 1,000% APR.

Applications are submitted online and are easy to navigate. Personal details are presented, which should take less than five minutes to complete.

The application process for a loan with CheckIntoCash.com begins online where applicants complete a ****quick application.

If you have all your information the application should take less than 10 minutes. Once approved you can ****sign electronically to confirm their funds.

Funds can be transferred to your account the next business day.

Here is a list of loan types available by state:

Loan Requirements

Lending requirements vary based on the type of loan required. These are the main requirements when applying for a loan from Check Into Cash:

Prospective applicants should know that any provided rates and terms are examples only.

Rates & Fees

Check Into Cash doesn't charge interest on its payday loans. However, they charge a flat fee between $10 to $30 per $100 borrowed, depending on your state.

The APR on a Check Into Cash payday loan could be around 400% and in some cases, can go as high as 1,000%. Before you apply, confirm the effective APR for your state.

If you miss a payment, Check Into Cash charges a late fee, depending on the state. Late fees are around $25 to $30 if you miss a payment.

If you are more than 15 days late you may also be charged a late fee of around 5% of the loan amount.

Payment Terms

Most loans come with terms of 14 days. Payments are automatically deducted from your bank account on the due date.

You may request an extension by calling customer services before the due date. There is a fee involved - similar to the one you paid when you took out the loan.

If you require cash urgently and have exhausted all other lending options Check Into Cash may be a good option. They are easy to use and can pay out your loan within one day.  

As with any payday lender fees and interest rates are high. If you have good credit, however, there are more affordable alternatives.

Check Into Cash is not a cheap way to borrow money. Still, they do provide a customer-focused lending company that does meet the needs of those urgently needing money well.

Check Into Cash offers a range of loans and is one of the biggest payday lenders in the U.S. It gets regular positive reviews from customers about the service they've received at a Check Into Cash location.

The Check Into Cash phone number is 877-262-2274.

The company is accredited with the BBB and has an A+ rating. They also have a TrustPilot score of 4.5 out of 5, based on 900+ reviews.

Have you used Check Into Cash before? Be sure to leave a review below.

Here's a list of alternatives to Check Into Cash and how they compare:

What Users On the Web Are Saying

Check Into Cash gets 3.3 out of 5 stars on Trustpilot, with users showing giving positive feedback:

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