43 Reviews

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

  • Loans from $50 – $1,000
  • Payday and installment loans
  • Title loans and flexible lines of credit
  • Easy online application
Author  Lorien Strydom
Last updated: May 2, 2023
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Chosen 9,986 times
  • Fast Funding
  • APRs from 4.6%
  • High Acceptance Rate
  • No Repayment Penalty Fees
Chosen 13,546 times
  • Installment loans from $100 to $2,000
  • Apply with no impact to your credit score
  • Apply online or instore across 850 branches
  • Easy application process
Chosen 31,917 times
  • Loans from $250 - $35,000
  • Repayment terms from 6 - 72 months
  • Access to hundreds of lenders
  • APRs from 5.99%

Check Into Cash Review 2023

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.

How We Rate Check Into Cash

At Financer.com, all lenders go through a thorough research and review process. Here’s how we rate Check into Cash:

Application process⭐⭐⭐⭐
Loan terms⭐⭐⭐⭐
Customer support⭐⭐⭐

Do We Recommend Check into Cash?

Yes, we recommend 5KFunds as a reliable lender marketplace. Skip to our full review below and see how we rate Check Into Cash.

Here’s what we’ll cover in this review:

Want to skip the details? Jump to our final verdict here.

Check Into Cash Overview

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:

Loan type:Personal loans
Loan amount:$50 – $1,000
Availability:26 states (see below)
APR:Could be up to 400% or more
Loan termVary by state
Monthly fees:None
Payout time:One business day
Weekend payout:No
Requirements:At least 18 years old
U.S. citizen
Active bank account
Regular income
Valid phone number and email
Chosen 14,165 times
  • Loans from $50 – $1,000
  • Payday and installment loans
  • Title loans and flexible lines of credit
  • Easy online application

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:

  • Online payday loans
  • Line of credit
  • In-store cash advance
  • Title loans
  • Installment loans
  • Check cashing
  • Money transfers
  • Reloadable prepaid cards

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.

Check Into Cash Pros and Cons

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

  • High fees

  • Low lend limit

  • Not available in all states

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.

How Does Check Into Cash Work?

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:

StateLoans AvailableWhere
AlabamaPayday Loan up to $500
Installment Loan up to $5,000
Title Pawn up to $25,000
Stores, Online
AlaskaPayday Loan up to $500Online
ArizonaTitle Loan up to $25,000
Registration Loan up to $1,500
CC Connect Loan up to $2,450
Stores, Online
CaliforniaPayday Loan up to $255
CC Connect Loan up to $2,400
Stores, Online
ColoradoInstallment Loan up to $1,000Stores
Connecticut None
DelawarePayday Loan up to $1,000Online
FloridaPayday Loan up to $500
Installment Loan up to $1,000
CC Connect Loan up to $2,400
Stores, Online
GeorgiaTitle Pawn up to $25,000Stores
HawaiiPayday Loan up to $510Online
IdahoPayday Loan up to $1,000
Title Loan up to $25,000
Stores, Online
IndianaPayday Loan up to $660
CC Connect Loan up to $2,450
Stores, Online
IowaPayday Loan up to $445Stores
KansasPayday Loan up to $500
Title Flex Line of Credit up to $25,000
Stores, Online
KentuckyPayday Loan up to $500
CC Connect Loan up to $2,450
Stores, Online
LouisianaPayday Loan up to $350
Title Loan up to $1,300
CC Connect Loan up to $2,450
Stores, Online
MichiganPayday Loan up to $600
CC Connect Loan up to $2,450
Stores, Online
MississippiPayday Loan up to $400
Installment Loan up to $2,000
Title Loan up to $2,500
Stores, Online
MissouriPayday Loan up to $500
Installment Loan up to $2,000
Title Loan up to $25,000
Stores, Online
NebraskaCC Connect Loan up to $2,450Stores, Online
NevadaPayday Loan up to $1,500Stores, Online
New HampshireNone
New JerseyNone
New MexicoNone
New YorkNone
North CarolinaNone
North DakotaNone
OhioCC Connect Loan up to $2,400Online
OregonInstallment Loan up to $1,500Stores, Online
Rhode IslandNone
South CarolinaPayday Loan up to $550Stores
South DakotaPayday Loan up to $425
Flex Line of Credit up to $4,000
Title Line of Credit up to $4,000
Stores, Online
TexasTitle Loan up to $5,000
Small Loan up to $1,500
Stores, Online
UtahPayday Loan up to $1,500Online
VirginiaCC Connect Loan up to $2,450Online
WashingtonPayday Loan up to $700Online
West VirginiaNone
WisconsinPayday Loan up to $1,200
Installment Loan up to $2,000
Installment Loan up to $2,000
Stores, Online
WyomingPayday Loan up to $300Stores, Online
Updated September 15, 2021

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:

  • Social Security Number (SSN)
  • Checking account number
  • Bank routing number
  • Government-issued ID
  • Applicants must be at least 18 years of age
  • Provide proof of income

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.

How To Apply for a Check Into Cash Installment Loan

Step 1

Prequalify Online

Fill out the prequalification form online to view your potential rates and terms.

Step 2

View Your Offers

After you prequalify, view the offers available to you and complete the application.

Step 3


Wait for a call from a customer service representative to verify the information you’ve submitted with your application.

Step 4

Receive Funds

Wait for your funds to be paid into your account. This typically takes one to two business days.

How Financer.com Rates Check Into Cash

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.


Can I get a loan over the phone?

Applications can be made online or in-person through one of the CheckIntoCash locations.

How much does it cost to apply?

Applying for a loan is completely free. You will know within minutes if your application is approved.

Is Check Into Cash legit?

Yes. Check Into Cash is a licensed payday lender that offers loans in store and online. It also offers lines of credit, title loans, and installment loans. Check Into Cash is one of the biggest payday lenders in the U.S.

How much does Check Into Cash charge for interest?

Check Into Cash doesn’t charge interest on their payday loans. Other loan products, like lines of credit and installment loans typically come with interest and this varies depending on your state.

How many times can you take out a loan?

You can borrow from Check Into Cash as many times as you need, but you can only have one loan at a time. 

Check Into Cash Alternatives

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

LenderReviewsLoan AmountAPRMax. Loan TermBad Credit?
PersonalLoans.comView$500 – $35,0005.99-35.99%Up to 6 yearsYes
BadCreditLoansView$500 – $5,0005.99-35.99%Up to 2 yearsYes
CashUSA.comView$500 – $10,0005.99-35.99%Up to 6 yearsYes
Fast5KLoansView$500 – $35,0005.99-35.99%Up to 5 yearsYes

More Check Into Cash Personal Loan Reviews

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:

More User Reviews – Add Your Rating

Read more reviews on Financer.com from verified users below.

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Reviews of Check Into Cash

Check Into Cash is rated 73 out of 316 companies in total rating and got an average review score of 4.3 based on 43 reviews. Their weakness is Interest & Costs and their strength is Website & Functionality.
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Anna Will 1 review | October 3, 2022
General Review
I was in need of some cash and ASAP! I had some problems going on with my car, and I wasn't able to drive it until I got a certain part for it. The price of the part was $89. Not bad, but I don't know a thing about fixing cars! So I had to pay for someone to fix it for me! Another $30-50 bucks probably.. So my friend told me about this loan that she had gotten a few months back and I called them. Long story short... Went there filled out the paperwork and they helped me with not only what it would of cost to fix my car but they also let me get enough to help for the rest of the week until I got paid. In total I received a $750 loan that day, got my car fixed for $125 and that's for the part and labor! Also had cash left over to last until payday, So I went and treated myself to a good dinner and went to the mall!
First off.. The part where you have to have a check account with the paper checks! I use a online based account but they spoke to the and figured it out! Also, I got a 750 loan and ended up paying back lime 1200 almost! That's a little bit for a loan for a month in a half!
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Benita Elisa Zarate 1 review | October 3, 2022
General Review
it's a very good convient company
Post reply
Tol 1 review | October 3, 2022
General Review
Post reply
Brittney Ruhl 1 review | October 3, 2022
General Review
The cashiers were very helpful and quick to help me.
Post reply
Heather Rigsby 1 review | October 3, 2022
General Review
Great service. Be polite.
Post reply
Yonah Aviv 1 review | September 1, 2022
General Review
Great customer service!
Hard to access on smartwatch
Post reply
Lexie droz 1 review | September 1, 2022
General Review
Helped when I needed cash
The interest rate took while to pay back
Post reply
Jennifer Collins 1 review | September 1, 2022
General Review
Check Into Cash provides a fairly simple and straightforward way to get extra cash when you’re in a pinch. They’re customer service is understanding and very helpful if you need any help along the way.
Nothing at this time.
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Kinkycoily carla 1 review | June 11, 2022
General Review
They are there when you need some quick cash
I fell upon hard times and couldn't pay off the loan. Long story short, they sold my car and there was a surplus check that they claimed they sent, but it went back to them and Amber, kelly, dustin, jerrica jordan, emily, and the manager, jennifer couldnt tell me whats the problem.
Post reply
Ruth Monday 1 review | February 24, 2022
Personal Loan Review
My friend told me about it that is the boat company
Is the best
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