(Edited)
UpsidesMy friend told me about it that is the boat company
DownsidesIs the best
Review of Check Into Cash
Borrow up to $1,500 (max $750 for new customers)
Same-day approval available
Stores available in 26 states
Fast application process
Next day deposits
Summary
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.
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 12,453 times- Loans from $50 – $1,000
- Payday and installment loans
- Title loans and flexible lines of credit
- Easy online application
Read 34 reviews
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.
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 U.S., Check Into Cash does not offer loans in every state, and rates and fees will also differ by state.
How Check Into Cash Works
Applications are submitted online and are easy to navigate. Personal details are presented, which should take less than 5 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 are a list of loan types available by state:
| State | Loans Available | Where |
|---|---|---|
| Alabama | Payday Loan up to $500 Installment Loan up to $5,000 Title Pawn up to $25,000 | Stores, Online |
| Alaska | Payday Loan up to $500 | Online |
| Arizona | Title Loan up to $25,000 Registration Loan up to $1,500 CC Connect Loan up to $2,450 | Stores, Online |
| Arkansas | None | – |
| California | Payday Loan up to $255 CC Connect Loan up to $2,400 | Stores, Online |
| Colorado | Installment Loan up to $1,000 | Stores |
| Connecticut | None | – |
| Delaware | Payday Loan up to $1,000 | Online |
| Florida | Payday Loan up to $500 Installment Loan up to $1,000 CC Connect Loan up to $2,400 | Stores, Online |
| Georgia | Title Pawn up to $25,000 | Stores |
| Hawaii | Payday Loan up to $510 | Online |
| Idaho | Payday Loan up to $1,000 Title Loan up to $25,000 | Stores, Online |
| Illinois | None | – |
| Indiana | Payday Loan up to $660 CC Connect Loan up to $2,450 | Stores, Online |
| Iowa | Payday Loan up to $445 | Stores |
| Kansas | Payday Loan up to $500 Title Flex Line of Credit up to $25,000 | Stores, Online |
| Kentucky | Payday Loan up to $500 CC Connect Loan up to $2,450 | Stores, Online |
| Louisiana | Payday Loan up to $350 Title Loan up to $1,300 CC Connect Loan up to $2,450 | Stores, Online |
| Maine | None | – |
| Maryland | None | – |
| Massachusetts | None | – |
| Michigan | Payday Loan up to $600 CC Connect Loan up to $2,450 | Stores, Online |
| Minnesota | None | – |
| Mississippi | Payday Loan up to $400 Installment Loan up to $2,000 Title Loan up to $2,500 | Stores, Online |
| Missouri | Payday Loan up to $500 Installment Loan up to $2,000 Title Loan up to $25,000 | Stores, Online |
| Montana | None | – |
| Nebraska | CC Connect Loan up to $2,450 | Stores, Online |
| Nevada | Payday Loan up to $1,500 | Stores, Online |
| New Hampshire | None | – |
| New Jersey | None | – |
| New Mexico | None | – |
| New York | None | – |
| North Carolina | None | – |
| North Dakota | None | – |
| Ohio | CC Connect Loan up to $2,400 | Online |
| Oklahoma | None | – |
| Oregon | Installment Loan up to $1,500 | Stores, Online |
| Pennsylvania | None | – |
| Rhode Island | None | – |
| South Carolina | Payday Loan up to $550 | Stores |
| South Dakota | Payday Loan up to $425 Flex Line of Credit up to $4,000 Title Line of Credit up to $4,000 | Stores, Online |
| Texas | Title Loan up to $5,000 Small Loan up to $1,500 | Stores, Online |
| Utah | Payday Loan up to $1,500 | Online |
| Vermont | None | – |
| Virginia | CC Connect Loan up to $2,450 | Online |
| Washington | Payday Loan up to $700 | Online |
| West Virginia | None | – |
| Wisconsin | Payday Loan up to $1,200 Installment Loan up to $2,000 Installment Loan up to $2,000 | Stores, Online |
| Wyoming | Payday Loan up to $300 | Stores, Online |
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
Fast and easy application process
Flexible personal loan options
Instant loan decisions
Great customer support
Pros
High fees
Low lend limit
Not available in all states
Cons of
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.
