45 Reviews

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

Features
  • Loans from $50 – $1,000
  • Payday and installment loans
  • Title loans and flexible lines of credit
  • Easy online application

Review of Check Into Cash

    Summary

  • Borrow up to $5,000

  • Same-day approval available

  • Stores available in 26 states

  • Fast application process

  • Next day deposits

What is Check Into Cash?

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 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.

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

Chosen 13,147 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.

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
ArkansasNone
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
IllinoisNone
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
MaineNone
MarylandNone
MassachusettsNone
MichiganPayday Loan up to $600
CC Connect Loan up to $2,450
Stores, Online
MinnesotaNone
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
MontanaNone
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
OklahomaNone
OregonInstallment Loan up to $1,500Stores, Online
PennsylvaniaNone
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
VermontNone
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

Verification

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.

Our Check Into Cash Review

    Cons of

  • High fees

  • Low lend limit

  • Not available in all states

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.

FAQs

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. 

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Reviews of Check Into Cash

Check Into Cash is rated 66 out of 300 companies in total rating and got an average review score of 4.4 based on 45 reviews. Their weakness is Interest & Costs and their strength is Website & Functionality.
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AW
Anna Will reviews | October 3, 2022
General Review
Upsides
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!
Downsides
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
Upsides
it's a very good convient company
Downsides
-
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Tol 1 review | October 3, 2022
General Review
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BR
Brittney Ruhl 1 review | October 3, 2022
General Review
Upsides
The cashiers were very helpful and quick to help me.
Downsides
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HR
Heather Rigsby 1 review | October 3, 2022
General Review
Upsides
Great service. Be polite.
Downsides
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Austin Scott Miller 1 review | September 1, 2022
General Review
Upsides
I see several emails here about credit repair, I am not sure if all these emails can actually pull the job. Regardless I got my credit fixed 2weeks ago by JEFFCLOUDCREDITSOLUTION@GMAIL.COM. This is the only email contact I am sure of 100% that can easily get rid of negative items on your credit report.. Good luck guys
Downsides
not too bad
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Yonah Aviv 1 review | September 1, 2022
General Review
Upsides
Great customer service!
Downsides
Hard to access on smartwatch
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LD
Lexie droz 1 review | September 1, 2022
General Review
Upsides
Helped when I needed cash
Downsides
The interest rate took while to pay back
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JC
Jennifer Collins 1 review | September 1, 2022
General Review
Upsides
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.
Downsides
Nothing at this time.
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eric_chavez 1 review | August 25, 2022
General Review
Upsides
Being able to handle people’s problems efficiently and effectively is a thing worth gratitude in every ramification. What XAP CREDIT SOLUTION did for me and my family is immeasurable, I had a very poor FICO of 510, I had a repo, student loans ,evictions and a couple of late payments. After my niece convinced me I contacted XAP and they boosted my FICO to 790 and removed all evictions, late payments and repo. I know how unbelievable this may sound but they actually gave me a reason to be happy again. If you would like to engage with their services Email XAPCREDITSOLUTION at GMAIL dot COM. They are the best and surest means of getting your credit fixed. Tell them Eric told you so.
Downsides
none I can think of
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