Check Into Cash is a "small dollar short-term" payday loan lender offering loans range from $50.00 to $1,000.00 (new customers can borrow up to $750 or state maximum). It was founded in 1993 in Tennessee by Allan Jones and currently has over 1,000 branches in more than 20 states, including the following:
When a customer goes to the website, they will simply complete an online application in as little as five minutes and a Check Into Cash representative will call and take the customer through the secure process.
Check Into Cash provides online payday loans, in-store cash advance, in-store title loans, check cashing and more. Check Into Cash serves individuals who need money for unexpected expenses, who may be in a money crunch between paydays, or need other short-term assistance.
This company is a founding member of the Community Financial Services Association of America (CFSA), an industry association for non-bank lenders.
Keep reading our Check Into Cash review for pros and cons of working with this company.
With fast approval service online or in-store, Check Into Cash can connect customers to funds within 24 hours of applying online, or during the same visit if applying in-store. 19 states offer both in-store and online application options, nine states only offer in-store applications, and two states offer online applications only. The application process for Check Into Cash is quick and you only need a few items. These include your social security number, government-issued driver's license or photo ID, your checking account number or bank statement, bank routing number and proof of income. You must be at least 18 years old to apply, except in Alabama where you must be 19 years old.
Check Into Cash makes repayment simple and easy. If you apply in-store, you will write a post-dated check to the store and they will hold onto it until your next payday. When the specified date arrives, the store will cash the check and your repayment is complete. If you apply online, Check Into Cash will automatically debit your checking account on your next payday. The amount you will repay is the total of your loan plus the incurred fee.
The Payday Loans section of the website explains what an online payday advance is and navigates you to the How It Works section for descriptions of what materials you need and how to get started. The Rates & Terms section outlines specific details for each state, since each state has different requirements and regulations. It is fast and simple to find the APR*, fees and maximum loan amounts by clicking on your state.
Check Into Cash charges borrowers a large fee to use its services. Depending on the state, the APR* can range from 153% to 1042%. The APR* varies greatly depending on the state you live in and, in some cases, by the amount you are borrowing.
For example, a $300.00 loan in Idaho with a 14-day term advance will have a $75.00 fee added onto the repayment amount. That is an APR* of 651.79%.
If the entire amount, loan plus fee, is not repaid on the agreed-upon date, you are charged an additional $20.00. Check Into Cash offers 7-, 14-, or 30-day loan terms.
On the other hand, as a founding member of the CFSA, this lender is committed to transparency. That's why we are able to easily find its loan terms. Other payday lenders aren't so straightforward.
Most states offer a 14-day term and repayment is due on the next payday. There is no option for a longer term with a lower APR*.
If you need more time repaying the loan and fee, additional fees and interest rates are added on, making the total paid back cost substantially more than the original amount borrowed in the first place. If you are late repaying the loan amount or the check comes back with an insufficient funds notification, Check Into Cash has an Extended Payment Plan. It is similar to the one offered by Cash Central, except it incurs interest at the same rate until you pay back the original amount and additional fees. If you still do not repay your loan amount, your account may be turned over to a third party collection company, affecting your credit score and possibly incurring even more fees on top of the amount that has already been borrowed and charged.
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Do not use Check into cash. they will run a hard inquiry on your credit report which stays on your credit report for 2 years. Each hard inquiry lowers your credit score. They ran 3 hard inquiries in a 1 year period on me. Tried to get them removed and they wouldn't do it. Ok a payday loan that runs a hard inquiry.... false impression that its easy to get. If I would have known this I would have ran a credit check and went to a finance company. Stay away from this company!!!
Beware email offers from this business. I had done a payday loan from them. Was sent an offer-$50 off if I borrowed $300 or more. Took offer in, took loan, fully acknowledged. Told me I could repay in person or call. Was having car trouble-called in payment. Refused to give me the $50 - said I had to come in person to get it, which was no way in the offer. Called customer service-they said not ok, someone would call me. They never did. Filed Better Business Bureau complaint against them - they never responded. Check BBB complaint for yourself-it will be there for 3 years. I DO NOT RECOMMEND THEM.
Very friendly,& knowlegabel, fast and know exactly what you need, never try and pressure you into anymore then you ask for , always make sure you have plenty of time to pay it back, highly recommend them
HIGHLY suggest you take your business elsewhere. This company will break privacy laws. A former employee of theirs was using customers info for financial gain. Does corporate not look at security cameras? Does supervisors/managment not check on stores? No one watches or checks on what the employers are doing? This took place at the Enterprise, AL location. Mind boggling.
The employees can be very aggressive during collections and can sometimes be unprofessional.
The experience that I had with your company and it’s employees was a very friendly, hospitable and professional one. My loan was very well structured to my ability to pay back which was very accommodating. As for your other service in providing money orders, I fine it very confient because you are just around the block from me.
Doing business with Check Into Cash was the biggest mistake of my life, in the beginning they are friendly to lure you in then once a customer they are horrible to do business with. The are heartless and not forthcoming with information. I have never delt with a more heartless business than Check Into Cash
Although the rates for personal loans are extremely high Check into Cash is there for any cash emergency. The employees are very professional and helpful. They work their best to assist you during the application process. Your information is safe and the payment outline is clear for you to understand. I’m very thankful they were there when I needed them.
When this company says they are "Here to Help" they truly mean it and deliver on it. I defaulted on a loan due to a garnishment that I did not realize went into effect. I was stressed because I could not pay my loan nor did I know when I would be able to. I contacted them and informed them of my situation. They immediately came up with a repayment plan that was more reasonable than I expected. They even offered future support after I paid the loan. My goal is to not have to utilize a pay day loan again But with the cost of living the way it is, it is really nice to know if you do need help there is a company that is willing to not only help but offer stress free support if you have a hardship. I cannot Thank you enough what a blessing you are. A weight has truly been lifted.
I had a terrible experience with Check into Cash today! Both employees were very rude to me. They kept telling me that I needed additional proof of income when the necessary information was right in front of them. They weren't able to understand that I'm a salaried employee and not an hourly worker. They insisted that I provide information documenting how much I get paid per hour. They also didn't seem to understand that they could see how much my take home pay was by looking at my automatic deposits on my bank statement This was my first experience with a payday loan company. I went home twice attempting to get the documentation they wanted. When they sent me away a third time, I told them that I'd find another company to lend me money. I went down the street to another payday loan company. The very nice, smiling employee said that what they tried to do was illegal and my bank statement was my proof. I would never recommend Check into Cash.
we have had great experiences with our davenport iowa office located at 5 points. They are very courteous and friendly and are fast in making things happen.
I would like to give a special thanks to Carla S and Diana M of your Santa Ana, CA . office for extremely excellent customer service. These two ladies are professional and kind what a great team they are. Thanks so much ladies for all your help.
I have used them for years previously with no problems but recently they've started doing hard inquiries on my credit and it's having a negative effect on my score. I spoke with regional mgr because they've checked my credit twice in a the short time I've had the loan without ever mentioning it and she stated they now check credit for every customer every 60 days. There is a lender across the street from them who doesn't do this so I'm going to start doing business with them instead.
I tried to get a loan it had been over 4 weeks, and when I went to apply, I was given 100 only. My past loan amounts were 500 and 350. Both paid on time. When I called no one could give me any information on why it is like this. There's no where to change the amount on this basic site. I called 3 times and was hung up on. Final time I was told by the customer service rep. She had no idea and couldn't help me. Ridiculous!!! For such a big company you'd think the site would be user friendly. Dumb
Applied online 7/10/16. Next day they ask me to send a pay stub. I did that the same day by email. Then they said the will let me know within hours when my cash would be available. Today they me that the process was cancel due to me not sending requested info. They are a bunch of deceptive individuals. Stay away! Even though the amount requested was not much they should at least have the courtesy to be honest. I hope the donor deduct funds from my account since they never dispensed it in the first place. I will never ever try these sorts of loan sharks again.