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CheckSmart Review

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$100 - $1,000 PAYDAY LOANS
$1,000 - $35,000 INSTALLMENT LOANS

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CheckSmart Rates and Fees

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. But it may vary depending on the lender and his requirements.

$500
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.

354.86%
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.

$100
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.

638.75%
Terms

Terms

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

10 - 30 days
Turnaround Time

Turnaround Time

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

1 business day
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. But it may vary depending on the lender and his requirements.

$5,000
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.

Varies 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.

$2,000
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.

Varies by state
Terms

Terms

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

6 - 24 months
Turnaround Time

Turnaround Time

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

1 business day

About CheckSmart

Real People (CheckSmart)

....

States where CheckSmart is available

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 17 states
  • Alabama
  • Arizona
  • California
  • Florida
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Michigan
  • Missouri
  • Nevada
  • Ohio
  • Oklahoma
  • Tennessee
  • Texas
  • Utah
  • Virginia

Table of Contents:

How CheckSmart works?

Why choose CheckSmart?

CheckSmart online

CheckSmart Loans for Bad Credit

CheckSmart near you

CheckSmart hours

How CheckSmart works?

  1. Apply online.
  2. Get instant decision.
  3. If approved receive the money into your bank account within 1 business day.

Read more detailed data on the process of applying for and getting a short-term Payday Loan in the USA.

Why Choose CheckSmart?

CheckSmart is one of the most trusted American resources for cash advances for many years. You can apply for their services online or just go around the corner to a payday store at one of their numerous locations. Here are a few reasons why CheckSmart should be your first stop for a secure, fast and reliable loan.

  • Safety
  • Choice
  • Convenience and speed
  • Customized Educational Resources for you
  • Advice and personal finance news

CheckSmart online 

The best part about using CheckSmart is that you can also apply for a payday loan over the Internet. Simply fill out the online application. Within minutes, you can apply for a cash advance loan and be approved almost instantly. You can also go back in after you have created an account to check on your previous loan history and update any personal information. It's very simple, and you can do it all from the privacy and comfort of your own home. Plus, it is very easy to apply for a quick cash advance. You only need to have a bank account, a reliable source of income, and proper identification.

Many people wonder just how safe it is to use an online payday loan company. CheckSmart uses an encryption process, so your personal information cannot be stolen over the Internet. CheckSmart also follows strict privacy laws and does not sell or give out your private information, including your phone number. CheckSmart is not a credit-counseling company; however, they do encourage their customers to seek those types of services and explains that a payday loan is only a short-term solution to a money problem.

CheckSmart Loans for Bad Credit 

The terrific part of applying for a cash advance loan is that you do not have to worry about having bad credit or no credit. This is because your credit is not checked at all. As long as you have met the previously explained criteria, you are almost guaranteed to walk away with a loan.
Read more: Bad credit Payday Loans.

CheckSmart Near you 

CheckSmart has nearly 500 locations nationwide. You can use the store locator ion their website to find the one nearest to you with its address, phone number and working hours.

CheckSmart hours 

Most CheckSmart stores have the following regular working hours:

Sun 11:00 AM-5:00 PM
Mon 8:00 AM-8:00 PM
Tue 8:00 AM-8:00 PM
Wed 8:00 AM-8:00 PM
Thu 8:00 AM-8:00 PM
Fri 8:00 AM-8:00 PM
Sat 8:00 AM-8:00 PM

More direct lenders offering similar to Check Smart financial services are:

LendYou will help you get the cash you need when you need it. You can apply for Payday Loans, Installment Loans or Personal Loans, etc. Compare the lenders and get matched with the best one.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35000
  • Terms: Varied
  • Rates and fees: Starting at 4.99% APR
  • Turnaround Time: 1 business day
  • $100 - $1000 Payday Loans
  • $1000 - $5000 Installment Loans
  • $5000 - $35000 Personal Loans
  • 18 years of age or older
  • U.S. citizenship
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
Pros
  • High up to $15,000 loan amounts. 
  • Minimal restrictions on how you can use your loan.
  • No collateral or guarantor.
  • Bad credit is OK. 
Cons
  • It's not a direct lender, so you'll need to clarify rates and terms with the company you are matched with. 

 

Check Into Cash offers Payday Loans, Title Loans, Personal Installment Loans and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $50
  • MAX Loan Amount: $3000
  • Terms: Vary by state.
  • Rates and fees: 261% to 782% APR
  • Turnaround Time: 1 business day
  • Payday Loans
  • Online Payday Loans
  • Title Loans
  • Installment Loans
  • Online Installment Loans
  • Line of Credit
  • Flex Loans
  • Other Services
  • Check Cashing
  • Bill Pay
  • Western Union 
  • U.S. Money Card
  • Cell Phone Top-Ups
  • Sell Us Your Gift Cards For Cash
  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
  • 21+ years old (19+ in Alabama)
  • Social Security number (for Indiana residents only)
Pros
  • You can get even as low as $50.
  • Quick funding on the next business day.
  • Money can be used for any personal needs.
Cons
  • Not available in every state.
  • APR can be more than 153.73% depending on your state.
  • High late payment fees.

 

Greenlight Cash created an online platform to connect consumers like you with reliable lenders across the country. They partner with a large network of professionals so you get a chance to work with one of them and meet the challenge of improving your financial situation in the most effective way. Once you tap submit, you get one step closer to receiving the funds.

  • Payday Loans
  • Installment Loans
  • Personal Loans
  • be a legal U.S. resident
  • be at least 18 years old
  • have a stable source of income
  • be currently employed
  • have an active bank account
Pros
  • Unrivaled flexibility and accessibility.
  • Predictable monthly payments

  • Quick and simplified borrowing process

  • Any credit is welcome
Cons
  • Not a direct lender.

 

GoGoPaydayLoans offers Payday Loans at affordable rates with convenient repayment terms. 

  • MIN Loan Amount: $100
  • MAX Loan Amount: $1000
  • Terms: Vary by state.
  • Rates and fees: 261% to 782% APR
  • Turnaround Time: 1 business day

$100 - $1000 Payday Loans

  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
  • 21+ years old (19+ in Alabama)
  • Social Security number (for Indiana residents only)
Pros
  • You can get even as low as $100.
  • Quick funding on the next business day.
  • Money can be used for any personal needs.
Cons
  • Not available in every state.
  • APR can be more than 153.73% depending on your state.
  • High late payment fees.

 

Loan By Phone offers Payday Loans, Installment Loans and Line of Credit.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $3000
  • Terms: Varied
  • Rates and fees: Vary by state
  • Turnaround Time: 1 business day
  • Payday Loans
  • Installment Loans
  • Line of Credit
  • 21 years of age
  • Social Security Number
  • Proof of Income (from your job, pension, welfare, or other source)
  • Valid email address
  • Active checking account (open for at least 90 days)
  • Current cell/home and work phone number
Pros
  • All loan applications and requests are guaranteed confidential and all transactions are governed in accordance with the laws of your state of residence.
  • Flexible repayment.
  • Available in most states.
Сons
  • High interest rates.
  • If you don't pay back on time your data may be sold to third parties.

 

Indyloan.com offers Personal Loans online at affordable rates with convenient repayment. 

  • MIN Loan Amount: $100
  • MAX Loan Amount: $5000
  • Terms: Vary by state
  • Rates and fees: Varied
  • Turnaround Time: 1 - 2 business day

Personal Loans

  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
Pros
  • Quick - no driving, waiting, faxing, paperwork.
  • High approval rate even for bad credit borrowers.
  • Online Payday cash advance with no collateral or co-signer.
  • 24 / 7 online service.
Cons
  • High interest rates.
  • Available not in all the states.
  • Only loans up to $5000 are available.

 

FAQ

 
How much can I borrow from CheckSmart?
 
Can I get approved for CheckSmart loan online?
 
What do I need to get a loan from CheckSmart?
 
Does CheckSmart do credit checks?

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Any comments or reviews made on this website are only individual opinions of the readers and followers of the website. The website and its authors team are not responsible, nor will be held liable, for anything anyone says or writes in the comments. Further, the author is not liable for its’ readers’ statements nor the laws which they may break in the USA or their state through their comments’ content, implication, and intent.

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