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

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

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 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:

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.

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.


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 62 out of 281 companies in total rating and got an average review score of 4.3 based on 34 reviews. Their weakness is Interest & Costs and their strength is Website & Functionality.
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    ruth_monday 1 review | February 24, 2022
    Personal Loan Review
    My friend told me about it that is the boat company
    Is the best
    Post reply
    harvie philly 1 review | April 30, 2021
    General Review
    always be honest when doing business, just like this compony would always do
    the pricing should never be to much to handle
    Post reply
    Whoo mans 5 1 review | April 29, 2021
    General Review
    the the right decision in money making
    for the amount you pay does not really pay off
    Post reply
    phyllis owens 2 reviews | April 28, 2021
    General Review
    a great company to get a small loan without a high credit score and no hassles and easy to do they are helpful and professional
    none, have found nothing wrong with this company
    Post reply
    phyllis owens 2 reviews | April 28, 2021
    Personal Loan Review
    a great company to get small loan without hassles and high credit rating. they are professional and helpful
    no cons, have not found anything wrong with this company
    Post reply
    Tina Mercado 1 review | April 11, 2021
    General Review
    so easy to use. never a problem
    didnt have any problems
    Post reply
    Kari Bellinger 1 review | April 10, 2021
    General Review
    Sign up process is simple and easy, and their location is convenient.
    High service fees
    Post reply
    brittany_g 1 review | April 10, 2021
    General Review
    I chose it because I needed fast cash
    Payday lenders like this are predatory
    Post reply
    Mya Murphy 1 review | December 29, 2019
    General Review
    They helped me out so much after my husband passed. They got me back on my feet.
    Post reply
    Susan 1 review | December 28, 2019
    General Review
    Fast. Easy to understand the process. Confidential
    An interest rate that is a smidge lower and I would give them 5 stars
    Post reply
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