Check Into Cash Review

If you are in a bind and need fast cash, the last thing you want to be bothered with is having to go through the painstaking process of traditional lending. It might be worth considering looking into a payday or title loan as a potential solution in these types of situations.

That’s where Check Into Cash comes into play. As one of the industry leaders, Check Into Cash has many affiliates throughout the United States, including, Nations Quick Cash Title Pawn, and U.S. Money Shops. Regardless of where you currently reside, you will likely have a Check Into Cash close by to you.

We want to help you gain access to the information needed when it comes time to find a financial service provider, which is why we have put together this comprehensive Check Into Cash Review.

Table of Contents

General Information About Check Into Cash

Check Into Cash Review

Check Into Cash is an in-store and online payday lender. They are licensed in multiple states throughout the United States. Check Into Cash has been in the short-term credit solution market for almost 30 years. It was founded in 1993 in Cleveland, Tennessee, by Allan Jones. Today, there is over 1,200 Check Into Cash brick-and-mortar shops across the country.

Services provided by Check Into Cash span 25 different states and include Cash Advances, Title Loans, Title Pawns, Check Cashing, Western Union, Payday Advances, Bill Pay Services, and reloadable U.S. Money Cards. Check Into Cash also offers online loan services that include Payday Loans and Installment Loans.

To help ensure customers’ confidence, Check Into Cash is a proud participant of INFiN, a Financial Services Alliance. Its website provides verified identity through the highly esteemed Network Solutions.

The Pros of Check Into Cash

Check Into Cash is a reputable loan company that offers a variety of services to its customers. Here is a quick list of some of the pros you can look forward to when choosing Check Into Cash as your financial service provider:

  • Quick approvals
  • Simple application process
  • Extensive educational materials available
  • Access to funding for people with poor credit
  • No penalty for early repayment

Quick Approvals

Whether you choose to seek out financial services by going in-store or online through Check Into Cash, you can gain peace of mind knowing that you will quickly gain access to your funds. When visiting a Check Into Cash store, you can look forward to receiving funding the same day. If you opt for online services, you can expect your money within one business day.

Of the states that Check Into Cash currently services, nineteen offer online and in-store applications, nine offer only in-store applications, and two offer online applications.

Simple Application Process

Overall, the application process for Check Into Cash is quick and easy. Only a few required documents are needed to process your payday or installment loan. You will need access to the following information:

  • Social security number
  • Government-issued ID (state issued driver’s license or photo ID)
  • Proof of income
  • Checking account number
  • Bank routing number

You must be at least 21 years of age to apply through Check Into Cash, although in the state of Alabama, you can be as young as 19.

Either visit a brick and mortar Check Into Cash to start the application process, visit the website and complete an online loan application, which should take under five minutes. A Check Into Cash representative will call you as soon as the application has been received and walk you through the rest of the process to obtain your funds.

Extensive Educational Materials Available

If you access the Check Into Cash website, you will immediately gain access to various educational materials. Here, you can find detailed information about payday loans and how exactly they work. You can access this information by going to the “Payday Loan” portion of the website and select “How It Works.”

Since each state has different lending laws, companies like Check Into Cash need to have this information readily available. Under the “Rates & Terms” section of the website, Check Into Cash specifically details this information for each state regarding the lending requirements and regulations. Here you can easily find the information regarding APR, fees, and maximum loan amounts for your state.

Access to Funding for People with Poor Credit

Although Check Into Cash does pull a hard inquiry on your credit report, it is still known for providing short-term financing options for individuals with poor or limited credit history. Applicants must have a minimum credit score of 300 to be eligible. If you have low credit, you can also opt for an installment loan and title loan.

No Penalty for Early Repayment

Another great feature of Check Into Cash is that it does not typically have any penalties associated with early repayments to your loan. This feature can be beneficial to anyone in a pinch because rather than paying stacking late fees and other additional fees, you have the freedom to repay early and be done with your loan quicker.

The Cons of Check Into Cash

While there are positive aspects to choosing Check Into Cash as your financial service provider, it is also essential to take a look at some of the downsides as well, which include:

  • Only short term loan options available
  • Large payday loan fees
  • Potential for additional fees

Only Short-Term Loan Options Available

You will quickly notice that through Check Into Cash, its services only allow for 14-day terms in most states. Under these loan terms, your repayment will come due on your next payday. You’ll find that the purpose of these loans is to serve as an incredibly strict payday advance meant specifically for short-term credit needs only.

While Check Into Cash is excellent at providing cash quickly under these circumstances, it is essential to note that it does not currently offer the option for longer terms with a lower APR.

Lage Payday Loan Fees

Common to most short-term credit companies, Check Into Cash charges its customers incredibly high fees to utilize its services. While APR varies depending on the state you currently live in, it can range from 153% up to 1042%. In addition to your location, the APR can also vary depending on the amount of money you intend on borrowing.

As an example, let’s say you currently live in Idaho and are looking to borrow $300 from Check Into Cash. You will have a 14-day term advance with an additional $75 fee added onto the repayment amount. In Idaho, this loan is high-interest, and your final finance charges will add up to an APR of 651.79%.

While these terms are high, one great feature about Check Into Cash is that it is a member of the Community Financial Services Association of America (CFSA), which means that it is committed to providing complete transparency. As a result, it is straightforward to find the details of these terms, especially when looking at a Check into Cash comparison to other online companies out there.

Potential for Additional Fees

Check Into Cash understands that not everyone will be ready for repayment by their next paycheck. Because of this, there are a few different additional fees that can come into play, depending on your state.

Additional fees from Check Into Cash might take the form of late fees or insufficient funds fees. In some states, Check Into Cash offers an Extended Payment Plan that incurs interest at your same agreed-on rate until you can pay back the original amount plus the fees you have incurred up to that point.

After a certain amount of time, if you still neglect to pay your loan, your outstanding balance could potentially be turned over to a third-party debt collection agency. In this situation, it is likely to negatively impact your credit score and cause you to incur additional fees on top of that.

You must remember that Check Into Cash is not meant to serve as a long-term financial solution because of these high fees associated with overtime.

Overall Reputation & Reviews for Check Into Cash

When looking into different short-term lending companies, it is also essential to look at their overall reputation. A straightforward way to do that is by looking at Check Into Cash ratings on popular, reputable sites.

Check Into Cash ranks highly on Trustpilot, a worldwide consumer review website. Check Into Cash is rated 4.5 stars with over 900 reviews, putting it at an Excellent rating through the site. The first page’s worth of reviews is primarily 5-star reviews with a ton of name recognition for Check Into Cash representatives.

According to the Better Business Bureau, Check Into Cash, Inc. is rated with 2.6 stars based on customer reviews. While this isn’t the highest rating, the number of complaints is relatively limited when considering how large an operation Check Into Cash runs. 

If you look through the Better Business Bureau’s complaints, you will also see that Check Into Cash responds to everyone. There are even responses that show resolution to the customer concern, including refunds resulting from human error.

VIDEO: When Are Payday Loans A Good Idea?

Q&A for Check Into Cash

Are you looking for some quick information on Check Into Cash? Take a look at our Q&A for additional details about this short-term financial provider.

Which States Does Check Into Cash Operate In?

Check Into Cash currently operates in 21 states across the United States, including:

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

Which Type Of Loans Does Check Into Cash Offer?

As a direct lender, Check Into Cash offers several different options for short-term loans and lending products.

Auto Title Loans

If you have a car but need some extra cash quickly, you can opt for a title loan to help turn your clear car title into a loan, getting you the funds you need as soon as possible. The amount of your auto title loan will be dependent on the current value of your car, truck, or motorcycle. 

Check Into Cash offers auto title loans ranging from $100 up to $25,000. To apply for an auto title loan, you will need a few documents and a clear car title. Although the credit line will be taken out against your car, you still drive the car around as it belongs to you wholly.

Installment Loans

Installment loans are sometimes referred to as personal loans and help get your more significant amounts of money quickly. Many people seek out installment loans as an option to provide them with more money and lower scheduled payments over a more extended amount of time, usually several weeks or months.

State laws determine the maximum amount allowable for an installment loan, but these can range from $50 up to $5,000. Through Check Into Cash, the amount you receive for your loan is based on eligibility and your ability to repay.

Flex Lines of Credit

A flex line of credit may provide you with a credit limit to draw funds from whenever needed. When you opt for a line of credit, you can borrow as much as you need, as often as you need, within your credit limit. Interest is only paid on the money used, similar to a traditional credit card.

Check Into Cash provides flex lines of credit to customers regulated by state laws but can range from $100 to $4,000. Lines of credit are a unique lending option because there are no set term dates. As long as your account remains current, you will have access to your flex line of credit.

Payday Loans

If you need quick cash in between paychecks, a payday loan might be what you are looking for. Payday loans are often referred to as payday advances and are short-term loans used to help pay for more minor, unexpected expenses. 

Depending on your state, there will be laws limiting the maximum amount of payday loans available to you, but Check Into Cash offers them ranges from $50 up to $1,500. Your payday loan terms set out by Check Into Cash are determined by your eligibility and ability to repay your loan.

VIDEO: How Check Into Cash Online Payday Loans Work

How Do I Qualify For Check Into Cash Loans & Do They Require A Credit Check?

Check Into Cash has a list of eligibility requirements for its loans, including being at least 21 years old or 19 years old if you are in Alabama. It also requires that you have a recent pay stub to show proof of income. Lastly, you must also have an active checking account.

Suppose you choose to apply for Check Into Cash services online. In that case, you will need additional information, including access to your social security number, a government-issued ID (state driver’s license or state-issued ID), your checking account number, and the routing number of your bank.

While several other payday loan companies out there do not require a credit check, Check Into Cash does. Check Into Cash will pull a hard credit check with each application. It is important to remember that hard credit checks will not only show up on your credit history but might also negatively impact your credit score.

How Much Does Check Into Cash Cost?

The rates of interest from Check Into Cash vary depending on each individual’s financial situation and geographical location. 

For example, we looked into a quote for a married, 45-year old man with two children. Our sample individual had no credit rating and was looking to borrow $500 for the maximum period. Check Into Cash offers 31 days. From our quote, Check Into Cash’s terms included a $625 repayment or a charge of $125, which is the equivalent to a 399% APR.

Because the cost of Check Into Cash varies so drastically from person to person, it is best recommended to reach out to a representative directly for a quote on your financial needs. You can easily apply online or in-store and have a response back within just a few minutes. Do remember, though, that your application will pull a hard credit check, which can negatively impact your credit score.


Check Into Cash is an in-store and online company that offers payday loans to its customers, amongst other short-term financial lending options. Because of the terms of its lending, there are high fees for utilizing the services it provides.

While you might be borrowing a small amount of money upfront, that can quickly turn into an expensive repayment if not paid back during the initial agreed-upon term. Stacking interest rates, penalties, and additional fees will continue to accumulate until you can pay the loan off in full.

Based on our Check Into Cash review, If you require quick cash, it is in your best interest to weigh the pros and cons of utilizing the financial services from Check Into Cash before applying for a loan. Also, remember that because Check Into Cash provides short-term financial lending solutions, it is likely best suited for someone who will be able to repay the debt, in total, on their next payday.

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