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Check Into Cash

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LAST UPDATED: April 27th, 2024

Check Into Cash was founded in 1993 in Tennessee by Allan Jones. Check Into Cash provides online payday loans, in-store cash advances, in-store title loans, check cashing and more. It serves individuals who need money for unexpected expenses, who may be in a money crunch between paydays, or need other short-term financial assistance. As a small-dollar, short-term payday lender, it offers loans ranging from $50.00 to $1,000.00. New customers can borrow up to $750 or their state maximum.

This financial company is a direct lender and offers several different types of short-term loans and lending products to consumers with all credit, but specifically those with bad credit:

  • Auto title loans
  • Installment loans, also known as personal loans
  • Lines of credit
  • Payday loans, also known as payday or cash advance loans
  • Flex loans

In-store customers also benefit from Western Union bill pay services and the opportunity to get a prepaid debit card called the U.S. Money Visa Prepaid Card, issued by Metropolitan Bank. 

Check Into Cash offers its services to consumers in more than 20 states:

  • Alabama
  • Alaska
  • California
  • Delaware
  • Florida
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Louisiana
  • Mississippi
  • Missouri
  • Nevada
  • Oklahoma
  • Oregon
  • Tennessee
  • Texas
  • Utah
  • Washington
  • Wisconsin
  • Wyoming


Eligibility Requirements: 

  • At least 21 years old (19 in Alabama)
  • Proof of income — recent pay stub
  • Active checking account

To apply online, you will need your social security number, a government-issued photo ID, such as a driver's license, your checking account, and routing number

Does Check Into Cash do a credit check?

Yes. Unlike most other payday loan companies, a hard credit pull is done with each application. This is the type of inquiry that will show up on your credit history, and may affect your credit score.  

Does Check Into Cash report to major credit bureaus?

Borrower repayment and lack thereof, are both reported to one of the major credit reporting agencies: TransUnion.

This company is a founding member of the Community Financial Services Association of America (CFSA), an industry association for non-bank lenders. 

In this review, we will be talking about short-term cash advances and payday loans, their available loan amounts, and the annual percentage rate (APR*) available. Keep reading our Check Into Cash review for pros and cons of borrowing from this lender.


The Good

  • Fast Customer Approval
  • Educational Materials

Fast Customer Approval

With fast approval service online or in-store, Check Into Cash can connect customers to funds within one business day of applying online, or during the same visit if applying in-store. Nineteen 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 a Check Into Cash payday or installment loan 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 21 years old to apply, except in Alabama where you must be 19 years old.

When a customer goes to the website, they will simply complete an online loan application in as little as five minutes. Then, a Check Into Cash representative will call and take the customer through the secure loan application process.

Educational Materials

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 payday lending requirements and regulations. It is fast and simple to find the APR*, fees, and maximum loan amounts by clicking on your state.

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The Bad

  • Large Payday Loan Fee
  • No Longer Term Options
  • Possible Additional Fees

Large Payday Loan Fee

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. This is a high-interest loan. The finance charges add up to 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 online payday lenders and loan companies aren't so straightforward about their rates. 

No Longer Term Options

Most states offer a 14-day term and repayment is due on the next payday. This is a strict payday advance, meant for short-term credit needs. There is no option for a longer term with a lower APR*.

Possible Additional Fees

If you need more time repaying the loan, there are a few different fees to know about; however, they vary by state. These include late fees and insufficient funds fees. 

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 available in some states. 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’s outstanding balance may be turned over to a third-party debt collection agency, affecting your credit report, your credit score,  and possibly incurring even more fees on top of the amount that has already been borrowed and charged.

Like all other payday lenders, this is not a long-term financial solution. 


The Bottom Line

Check Into Cash offers payday loans, but there is a high fee for using its service. If your small-dollar loan is not repaid in full during the initial term, more interest rates, penalties, and fees will continue to accrue until the loan is paid in full. 

Borrowers should weigh the pros and cons of using Check Into Cash before applying for a loan: it may only be financially beneficial to borrowers who can repay the debt and finance charge, in full on their next payday, due to the company’s credit reporting policies. 

Check Into Cash offers an extreme APR Range* that goes up to 1042%. Along with that, payoff options are not very clear. Even With 22 years in business, Check Into Cash can improve its transparency. Be sure to shop around to ensure that you get the best APR* for your needs. Check Into Cash has both good and bad features.

Be sure to read our Check Into Cash reviews from this retail and online lender.

*APR rates vary by state.

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28 Reviews

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Dustin Geivet

Check into cash really did go down hill they couldn't even cash a check for me because I had cashed two previous checks the day before and because of that they wouldn't cash a third check the next day just because they didn't have enough money or whatever reason and the checks are good I just don't understand they suck

4 weeks ago

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Dixie Wilson

The name says Check into cash, but they made me apply for a line of credit instead of exchanging my PERSONAL CHECK for cash, like I have been doing for years here{ Great Bend Kansas office} This made the intrest HIGHER than when I borrowed $200 in the past! REDICULOUS! DO NOT GO HERE EVER!!!!!!!!!!!!!

1 month ago

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Amanda Florence Arnaudville, LA

Great business that enjoy going to and have never had an issue at hand that was not resolved in a professional and orderly manner. All the staff is very friendly, helpful some of which I've really gotten used to seeing and attached to as well. I'm here in Louisiana and have visited 3 location total 2 of which I'm a regular just depends on the time I get off from work on which one of those I can go to.. Started off as a one time thing I was thinking just to cash my check and now I'm in there weekly cashing checks, putting money on my card to pay bills, personalized card in my name that I kept saying no to for a good while, changed my boys and I montly deposits from social security of survivor benefits, access the online service quite often. I'd say I been with them now well over a year probably very close to two years. SO I DEFINITELY GIVE 5☆☆☆☆☆'s and then some along with AN (A) FOR *AWESOME* Travis off Pinhook in the Lafayette Location is my buddy.. Hey Trav I wish you could see this🤗 Thanks Amanda Florence

4 years ago

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C. Gore Kent, WA

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.

5 years ago

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Vanessa L Merriweather ,

I had to go into a store to reapply for a payday loan because they no longer accept online bank accounts. I went to the location on Lamar Ave in Memphis, TN. Misty was the agent that tried her best to help me. She was patient, helpful and explained why she was not able to process the loan. She even told me aboit a bank that I could establish an account with and they would accept, even with me just opening a new account. Misty is a true example of GOOD CUSTOMER SERVICE. I will definitely go back to that store once I establish my bank account. YOU GO MISTY!!!!

3 years ago

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Kathy Jones Port Saint Lucie, FL

The process is easy to get started. The interest rate, while high, isn't highway robbery like some other short term loan companies. I can borrow $500 for 30 days and the interest amounts to $55. Their customer service representatives are always friendly, polite, and helpful.

4 years ago

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Chris Alonzo Gilbert, AZ

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.

5 years ago

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Jacquelyn Allen Los Angeles, CA

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.

6 years ago

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Mark Hudson

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

5 years ago

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Edward Hunter Youngstown, OH

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.

5 years ago

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Hope Montgomery, AL

This company is absolutely awful. First they tell me I couldn't make payments online because I had to resign the contract everytime its renewed I was homeless for 6 months I had no address so as soon as I got a job they came and pulled my car and took in out 4hrs away on top of that I my son medical equipment was in the vehicle he was hospitalized because they wouldnt tell me where the car was so they finally told me after 4 days of calling them on top that they want me to pay 4 times the amount that I originally bored. So my son is in the hospital and I cant get to his medical things because its 4 hours out I pray that God blesses this company in a mighty way. This company is thoughtless and heartless. No matter how hard it gets dont do buisness with this company.

4 years ago

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JOSE LOPEZ Playa del Rey, CA

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.

4 years ago

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Annabelle Sparks Waterford, MI

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.

6 years ago

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michael and marilyn d Davenport, IA

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.

6 years ago

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Shanna Tylertown, MS

The ladies at the Columbia, MS location were very nice and helpful in the beginning until they resigned and were replaced. I paid off an $1800 title loan in March 2019. The company has not returned my official title to my vehicle. I have called them numerous times and emailed them many times. I get told a different story about my title everytime we communicate. They seem to get an attitude with me because I want my title.

4 years ago

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aconcerned citizen Lexington, KY

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!!!

4 years ago

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Sam Alberson Enterprise, AL

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.

5 years ago

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Jan Smith

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.

6 years ago

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Adrienne Duran Seattle, WA

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

7 years ago

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Michael Njock Pasadena, CA

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.

7 years ago

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Donna Mehta

Ridiculously high interest. Also charged $50 to get the cash off of the Green Dot card.

2 months ago

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Timothy Harding Lafayette, TN

They are very helpful and was very professional, with me

4 months ago

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Sara Harris Huntington Beach, CA

After using Check Into Cash for over 13 months for a payday loan, I went to check my Credit Score. I WAS SHOCKED. I had 13 HARD Credit INQUIRIES for each month... OMG!!!...Talking about keeping poor people down!!!!!!!!!! They will not see me again!!!

4 years ago

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Kim Kingman, AZ

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

5 years ago

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Richard Colorado Springs, CO

Okay for payday loan. Biggest problem is that they pulled a credit check. No other payday service had done this to me. Looks bad on credit report.

3 years ago

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sally Redmond, OR

I've dealt with 3 different people and 8 phone calls loan is st "pending" it's been 3 days

4 years ago

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Francis kelly Jacksonville, AL

Keeps harrasing and wants their money and needs to stop or be sued for harrasing communications

4 years ago


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S Suguturaga Orem, UT

The employees can be very aggressive during collections and can sometimes be unprofessional.

5 years ago