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Check Into Cash Review

Check Into Cash is a national leader in direct lending, providing customers with affordable, short-term, small dollar credit solution. We provide Payday Advances, In-Store Cash Advances, Online Payday Loans, Title Loans, Title Pawns,Check Cashing, Western Union®, walk-in Bill Pay, and reloadable prepaid U.S. Money Cards in our centers nationwide. Check Into Cash is truly your one-stop money shop.

Maximum Loan Amount

Maximum Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

$1,000
MIN APR

MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

Varied by state
Collateral or Guarantor

Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

None, unsecured
MIN Loan Amount

MIN Loan Amount

It’s the minimal amount of cash advance you can apply for. It’s not always stated, the average sum is $100. But it may vary depending on the lender and the state’s regulations.

$50
MAX APR

MAX APR

The maximum percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

Varied by state
Terms

Terms

It’s the period of time within which you are to pay off your loan.

Varied
Turnaround Time

Turnaround Time

It's the period of time within which you get the money

1 business day
Find out more Apply online
MAX Loan Amount

MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

$3,000
MIN APR

MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

Varied by state
Collateral or guarantor

Collateral or guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

None, unsecured
Terms

Terms

It’s the period of time within which you are to pay off your loan.

Varied
MAX APR

MAX APR

The maximum percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

Varied by state
MIN Loan Amount

MIN Loan Amount

It’s the minimum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

$500
Turnaround Time

Turnaround Time

It's the period of time within which you get the money.

1 business day
Find out more Apply online
MAX Loan Amount

MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

$3,000
MIN APR

MIN APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

Varied by state
Collateral or Guarantor

Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

None, Unsecured
MAX APR

MAX APR

The maximum percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

Varied by state
Turnaround Time

Turnaround Time

It's the period of time within which you get the money.

1 business day
MIN Credit Score

MIN Credit Score

The minimal FICO score that makes you eligible for a loan.

Not stated
Terms

Terms

It’s the period of time within which you are to pay off your loan.

Varied
Find out more Apply online

Are you in need of emergency funds? Check Into Cash is your direct lender and one stop money shop for when you need quick cash. At Check Into Cash, we provide online payday loans, in-store title loans and in-store cash advances. With thousands of locations conveniently located near you, you can rest assured that when you visit Check Into Cash our expert team will guide you into finding the best solution for you. Call or visit us today to learn more about our services! Or click the link APPLY ONLINE to start your application today!

About Check Into Cash.

As a pioneer in the short-term, direct lending industry, Check Into Cash has been providing everyday people with the emergency credit solutions they need for 25 years. Founded in 1993 by entrepreneur and philanthropist Allan Jonesin Cleveland, Tennessee, Check Into Cash now serves customers in both their 800+ stores and online nationwide specializing in personal credit options.

Check Into Cash offers many services, including: Payday Advances, Cash Advances, Title Loans, Title Pawns, Check Cashing, Western Union, bill pay services, and reloadable U.S. Money Cards in their centers, as well as Payday Loans and Installment Loans online. Check Into Cash truly is your One Stop Money Shop®.

Our company is also a founding member of the Community Financial Services Association of America (CFSA), the nation’s trade organization for the short-term loan industry. The CFSA enforces compliance, best practices, and works with state legislators and federal consumer groups to promote responsible legislation in an effort to balance the needs of customers with the interests of the industry. Check Into Cash believes in full disclosure of our services and truthful advertising.

How it works.

How to get a Payday Advance online?

  • Start by completing our online loan application. It is quick and only takes a few minutes.
  • Within 60 seconds or less you will know the results of your application submission.
  • As part of the underwriting process, a customer service representative will attempt to contact you at the number you provided on your application to verify your information in order to complete your loan request.
  • lf your loan request is approved, your funds will be directly deposited into your active checking account within 24 hours or the next business day*.

It is that easy! *The funding process typically occurs within 24 hours or the next business day after receiving a loan approval. Loan requests processed before 7:00PM EST during non-holiday business days are usually funded the next business day. For example, a customer who’s loan request is received Monday before 7:00PM EST that is verified and approved by Check Into Cash, will typically receive the loan proceeds on Tuesday (if Tuesday is not a holiday).

Do I Need to Send in Additional Documentation?

Lending requirements vary by state. Some states require additional documentation, such as a bank statement, pay stub, social security card or state issued photo identification. A detailed description of terms by state can be found on our Rates & Terms page.

What will you need to get started on your online loan application?

  • Your social security number
  • Your government issued driver’s license or photo ID
  • Your checking account number
  • Your bank’s routing number – This is a nine digit number located at the bottom of your check. For Credit Union checking accounts, please call your Credit Union and ask them for your ACH checking account number. Some Credit Unions either add additional zeros to the front of the checking account number or to the back. Having the correct number will obviously speed the funding process up!
  • Be at least 21 years of age (19 years of age in Alabama)
  • Proof of Income – Most recent pay stub or other proof of income

 

Payday Loans

Our Loan Process

A payday loan is a small dollar short-term advance used as an option to help a person with small, often unexpected expenses. Payday Loans are short-term in nature and not intended to be used long-term or for larger purchases like a home or a car. They are a safe and convenient way to allow a customer to stretch their buying power and help cover small, unplanned expenses. Whether you’re suffering from seasonal expenses like holiday bills and back to school costs or you need help with unexpected bills, or repairs, Check Into Cash can help.

How much can I borrow?

Check Into Cash advances range anywhere from $50 to $1,000 depending on your state of residence. The qualifications for our loans are typically less stringent than for conventional loans. In exchange for the cash you need, Check Into Cash charges a small fee. This fee along with the original amount borrowed is typically due on your next day of pay.

Where can I get a fast cash loan?

At Check Into Cash, we have made it easy and fast to get the cash you need, when you need it. Whether you are getting an online loanOpens in a new window or visiting one of hundreds of retail locations near youOpens in a new window, we offer a hassle free approach to borrowing.

Title Loans

Title Loans

At Check Into Cash, the process for getting a Title Loan is simple. Depending on how much your vehicle is worth, how much you need, which state you live in, and your ability to repay – you could get up to $25,000. You’ll get your title back once you repay your loan, so ask us about our competitive rates today! Find out more information to help you make the best decision.

Title Pawn

In some states, such as Alabama and Georgia, Check Into Cash offers Title Pawn instead of Title Loans. They are both very similar – you use the title of your vehicle as collateral to get cash fast. This is a great way to get money quickly! At Check Into Cash, we strive to help customers that need money in a pinch!

Keep Your Vehicle

Getting an Auto Equity Loan with Check Into Cash means you get the money you need and keep your vehicle. We will only need the lien-free title of your car or motorcycle and you can keep driving! Check Into Cash keeps you on the road with our fast loan process. Get an appraisal today, using the form above, to find out how much your car is worth!

Get Approved Fast

You can get approved for a title loan quickly with Check Into Cash. You can start by completing the quote form at the top of the page. Then come to the store prepared with the necessary documents (government-issued photo ID, proof of residence, proof of income, and the clear title of your vehicle) along with your vehicle. We will quickly process your application, and when you’re approved, get you YOUR money, fast!

Get The Cash You Need

Depending on your state of residence, you can get $1,350 – $25,000 with the title of your car or motorcycle at Check Into Cash. If you already have an existing loan payment, ask Check Into Cash about paying it off. Also, ask about our $50 cash back offer* on loans of $750* or more.

Must know!
Restrictions vary by state. Title Loan/Pawn amount based on value of vehicle and ability to repay. See store for details about cash back promotions or other offers.

Title Loan and Title Pawn States

Check Into Cash offers title loans or title pawns in the following states, and plan to add more states in the coming months. In Texas and Ohio, Check Into Cash is not the actual lender.

Installment Loans

Apply For An Installment Loan Today

At Check Into Cash, you can get more cash with an installment loan! An installment loan is a simple and secure way to get quick cash when emergency expenses arise.

What is an Installment Loan?

An installment loan is a medium term loan that offers more money than other types of short-term loans. You can also pay it back over a longer period of time. You can repay in bi-weekly or monthly payments over a term of anywhere from a few weeks to a few months. And there is no penalty for early payment.

How much can I borrow?

Check Into Cash installment loans range from $500-$3,000, depending on your state of residence, and serve as an alternative to payday loans, title loans, or credit cards. The availability of both online and in-store installment loans will vary by state.

More Questions?

If you have further questions about our Installment Loan products, please visit or FAQ page for more information.

Installment Loan States

Check Into Cash offers installment loans in the following states, with plans to add more states in the coming months.

  • California
  • Colorado
  • Illinois
  • Ohio
  • Mississippi
  • Missouri
  • Wisconsin
Line of Credit

About Virginia Line of Credit

A line of credit loanOpens in a new window is a convenient financial alternative that gives you extra control over your monthly finances. When you need help with recurring bills, home improvements, or large purchases, a line of credit serves as a ready source of extra cash. You can borrow as much and as often as you like within your credit limit, and you only have to pay interest on the money you use — just like with a credit card.

Once you qualify, your line of credit can be available to you for as long as you want without having to reapply. Our online application takes just a few minutes and you’ll receive a funding decision immediately. Apply today to find out how much you qualify for with a line of credit (see Rates & Terms for more information).

Line of Credit Benefits:

  • One-time application
  • Get approved quickly
  • Flexible to your monthly needs

Requirements.

  • You must be 21 or older to apply. To get started, you will need your:
  • Social Security Number
  • Proof of Income (pay stub, SSI statement, etc.)
  • Valid email address
  • Active checking account, open for at least 90 days
  • Current cell/home and work phone number
Flex Loans

What is a Tennessee Flex Loan?

A Check Into Cash flex loan is an open-end, renewable line of credit that gives you financial flexibility to cover unplanned expenses. With a flex loan, you are in charge. You can withdraw as much or as little cash as you need within your credit limit, and you control how long it takes to repay your balance. This much different than a traditional payday loan. We can keep your flex loan open as long as you want, so you can access additional cash anytime you need without having to reapply.

The Flex Loan Advantage

  •  Qualify for up to $4,000 of open credit in TN
  •  Make cash withdrawals up to your credit limit at any time
  •  Only pay interest for the time you keep the money you borrow
  •  Maintain an open line of credit as long as you want
  •  No application necessary once you have opened your account.

How does a flex loan work?

To get started, visit your nearest Check Into Cash Tennessee store locationOpens in a new window and apply for up to $4,000 of open credit. You can withdraw cash up to your credit limit at any time, and interest will be charged on the amount of time you keep the money you borrow. As you pay off your balance, your available credit renews, so you can continue to borrow within your credit limit without having to reapply.

A flex loan offers several repayment options to choose from. You can choose to repay the minimum required payment with each periodic statement, or you can make a larger payment to pay off your balance more quickly. Repaying your account balance early reduces your interest. You also have the freedom to pay off your balance in full at any time with no prepayment penalties.

What do I need to get a flex loan?

To apply for a flex loan at one of our Tennessee stores, bring in your:

  •  Valid government issued photo ID
  •  Checking Account and Bank Routing Numbers
  •  Verbal verification of gross monthly income
Check Cashing

Need your check cashed? We cash ALL** types of checks at Check Into Cash! It’s the fast and easy way to get your cash and go.
**Subject to check verification process. Excludes single-party checks.

Check Into Cash cashes all checks, including the ones the other check cashing services won’t accept!

  • printed or handwritten payroll checks
  • government checks
  • tax refunds
  • financial loan checks
  • insurance drafts or checks
  • money orders
  • cashier’s checks
  • two-party checks
  • and so much more.

With options like that, why would you go anywhere else for your check cashing services? Click Here to find a location near you. 

Getting your check cashed at Check into Cash is a quick, painless process that enables you to get your money quickly. It is safe, secure, and inclusive for all checks and, after cashing your check, you will receive a preferred check-cashing card to simplify all your check cashing needs in the future. $2.00 enrollment card fee.

If you don’t want to carry around the entire amount of your check in cash we can put some or all of your money on a U.S. Money Visa® Prepaid Card**** Most of our Check Into Cash locations offer this unique, easy prepaid card. Bring in your check and walk out with cash, a prepaid card, or both. How could it be easier?****

****The U.S. Money Visa® Prepaid Card is issued by Metropolitan Commercial Bank, member FDIC, pursuant to a license from Visa U.S.A. Inc. “Metropolitan” and “Metropolitan Commercial Bank” are registered trademarks of Metropolitan Commercial Bank © 2014. Use of the Card is subject to the terms and conditions of the applicable Cardholder Agreement and fee schedule, if any. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. *See Fee Schedule for the applicable monthly fee for direct deposits under $500/month. †ATM fees may apply at other ATMs. ‡ Standard carrier text fees may apply. **Subject to identity verification. ***Compared to the deposit of a paper check. Direct deposit and early deposit capability is subject to the employer or benefits provider’s support of the feature and the timing of the employer or benefits provider’s funding.

Bill Pay

Paying your bills has never been easier! Worried about late charges or service fees? Don’t want to pay online? Multiple bills that need to be paid at different locations?

Convenient, dependable and secure, you can pay multiple bills with CASH at almost all Check Into Cash locations! Paying bills has never been easier. We accept payments for THOUSANDS of billers! If you need to pay it NOW or just like to pay in person, Western Union walk-in bill payment services are available at a Check Into Cash location near you!

There are two payment options – either next day or standard pay, which can take up to 1-3 days.

Paying your bills at Check Into Cash provides so many benefits!

  • Get a receipt for your payment
  • Avoid late fees or service charges
  • Pay multiple bills in one place

At Check Into Cash, you can pay your bills for:

  • Cellular phone
  • Credit cards (Visa®/Mastercard®)
  • Gas
  • Home Phone
  • Power
  • Water
  • …and so much more!

All you need is the original bill and cash to make your bill payments!

Western Union Near You

Most of our Check Into Cash stores now offer Western Union®Opens in a new window money services. You can purchase money orders and transfer money anywhere in the world, safely and quickly.

Use the Store Locator to Find a Western Union Near You!

The only thing you’ll need to use Check Into Cash’s Western Union® services are a government-issued photo identification card and a few Western Union® forms which are available in all of our Check Into Cash locations*.

Our money transfers make sending or receiving money easier and more convenient than ever. With Western Union® Money Transfer Services, send money fast to over 345,000 Western Union® locations in the United States or even around the world. Funds may be picked up at these participating Western Union® agent locations throughout the nation and world.

We also have money orders available for your convenience and safety. Money orders from Check Into Cash through Western Union® are a great way for customers to make purchases and pay bills quickly without the unneeded expense of maintaining a checking account.

Money orders also provide a safe, easy, and reliable way to distribute money to friends and family because Western Union® money order payment tools are recognized and accepted throughout the United States and many foreign countries.

Check Into Cash engages in the money transmission business as an authorized delegate of Western Union Financial Services, Inc. under Chapter 151 of the Texas Finance Code.

US Money Card

Check Into Cash has partnered with Visa® to offer you a prepaid, reloadable U.S. Money Card.  No matter what your credit history is, you can get a U.S. Money Card.  You don’t even need a minimum balance and you can get started with as little as $10.  Ask about our free direct deposit program as well.  We also offer pre-funded checks!

What are the benefits of a reloadable prepaid U.S. Money Card?

  • Personalized U.S. Money Card checks
  • Free text message alerts*
  • Free direct deposit
  • Free customer service
  • Free ATM Network

Standard text messaging rates may apply based on your subscription with your mobile phone carrier.The U.S. Money Visa® Prepaid Card is issued by Metropolitan Commercial Bank, member FDIC, pursuant to a license from Visa U.S.A. Inc. “Metropolitan” and “Metropolitan Commercial Bank” are registered trademarks of Metropolitan Commercial Bank © 2014. Use of the Card is subject to the terms and conditions of the applicable Cardholder Agreement and fee schedule, if any. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. *See Fee Schedule for the applicable monthly fee for direct deposits under $500/month. †ATM fees may apply at other ATMs. ‡ Standard carrier text fees may apply. **Subject to identity verification. ***Compared to the deposit of a paper check. Direct deposit and early deposit capability is subject to the employer or benefits provider’s support of the feature and the timing of the employer or benefits provider’s funding.

Cell Phone Top Ups

When your prepaid cell phone is running low on minutes, don’t drop calls — drop by your local Check Into Cash! We can add airtime to no-contract phones from most major carriers, including:

  • AT&T GoPhone
  • T-Mobile
  • Verizon Wireless
  • TracFone
  • Net10 Wireless
  • Add minutes to your phone or a family member’s phone, even if they live outside the U.S.

Refilling your phone just got easier!
At Check Into Cash, we do all the work for you. Add minutes to your phone without the hassle of activating airtime cards or completing lengthy online forms. Come in today and experience the difference!

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Check Into Cash CUSTOMER REVIEWS

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