Check Into Cash Review 2020 - (Payday Loan) | Credit Raters
Last updated: 20th Feb 2020

Check Into Cash Review


Established in 1993, Check Into Cash has established itself as one of America’s most reputable short term lenders with more than 800 stores nationwide and a wealth of financial solutions available online.

Check Into Cash loans come in many different shapes and sizes with instalment loans, payday loans, title loans and lines of credit all available both online and in store.

In this Check Into Cash review, we’ll take a closer look at how each of these products work, the pros and cons of using Check Into Cash and how you can apply today.

Also Read: Check ‘n Go Loans Review

Check Into Cash In Numbers

Check Into Cash offer a range of short term lending solutions. The most common Check Into Cash loans include instalment loans, payday loans and title loans, all of which are structured with clear and transparent interest rates and fees.

Let’s see how Check Into Cash loans stack up against their competitors for pricing.

Short Term Loan Type Credit Limit Indicative Loan Fees
Check Into Cash Payday Loans $100 – $1,500 $15 – $79
CashNetUSAPayday Loans $100 – $1,500 $15 – $379
Lendup Payday Loans $100 -$500 $17 – $44

Key Features Of Check Into Cash Loans

Check Into Cash loans are available throughout the USA online or at one of their 800+ stores. Their reputation as a customer-focused lender is second to none but, as with many short term loans, the interest rates can be a little high. Here’s a quick rundown of the pros and cons of using Check Into Cash loans.

  • Providing short term loans for more than 25 years
  • Excellent selection of short term loans
  • Outstanding customer service
  • Short term lending can be expensive
  • Some of their products are not available online

Remember, each lender brings their own unique set of pros and cons to the table, so it’s important that you find loans like Check Into Cash that meet your personal circumstances.


Yes! All applications are assessed in house by them and funds will be deposited into your checking account directly from them.

This means you’ll always be dealing directly with the company that is responsible for your funds rather than having to communicate through a middle man or broker.

Yes, Checks Into Cash will consider applicants from all financial backgrounds.

Just because you’ve been refused loans like Checks Into Cash elsewhere doesn’t mean that all lenders will come to the same decision. In fact, Checks Into Cash have an excellent track record at accepting those with a less than perfect credit history.

Eligibility Criteria

To be eligible for Checks Into Cash loans you’ll need to fulfill their basic qualifying criteria which include, but isn’t limited to:

  • Having an active bank account in your name which has been open for at least 3 months
  • Being at least 21 years of age when you apply (state-dependent)
  • Being a permanent US resident
  • Having access to your own cell phone or home telephone number
  • Having a valid e-mail address to sign and return documentation

Ultimately, they’ll want to make sure that your loan is affordable and may also carry out a credit search to form a wider picture of your previous debt management.

State Availability

Check Into Cash is fully authorised and regulated in all 32 states that it operates in. Not all products are eligible online or in every state so do ensure that your residency qualifies before applying.

Check Into Cash loans are available in the following states:

Alabama Arizona
Alaska California
Colorado Mississippi
Florida Nebraska
Georgia Nevada
Hawaii New Mexico
Idaho Ohio
Illinois Oklahoma
Indiana Oregon
Iowa South Carolina
Kansas Tennessee
Kentucky Texas
Louisiana Utah
Michigan Virginia

Customer support

Check Into Cash pride themselves on their excellent customer service record and are always available to answer any questions about loans like Check Into Cash.

Contact Method Details
Online Loan Customers (Telephone) 877-577-7977
Online Loan Customers (Fax) 877-577-7978
In-Store Support (Telephone) 877-262-CASH (2274)
Customer Service Department 201 Keith Street, Suite 80, Cleveland TN 37311
Customer Service (E-mail)

As a founding member of the Community Financial Services Association of America (CFSA), Check Into Cash loans have helped to pioneer a host of national customer protection schemes.

They also work closely with federal consumer groups to promote full and fair disclosure of services as well as transparent, honest advertising.

Also Check:

How To Apply With Check Into Cash

Applying for loans like Check Into Cash is quick and easy. Follow our simple steps below to get an instant online decision on Check Into Cash loans today.

Select the loan type you require from the panel at the top of the screen. Hit apply now to kick off your application. Step 1

Start by telling Cash Into Check loans a little bit more about you and create an online account to help you manage your application more easily. Step 2

Finalise your application by providing more information on your personal finances such as your income, payment dates and checking account details. Step 3

You’ll then receive an instant online decision based on the information you’ve supplied, however some applicants may need to provide additional documents regarding income, employment and/or residency.

If accepted, loans like Check Into Cash can be deposited into your checking account in as little as 24 hours.

Check Into Cash Review – Conclusion

Check Into Cash bring a broad online and in store range of short term loans to the market. Their involvement with customer care agencies in the financial sector only strengthens their position as a fair lender and their high acceptance rates makes them an excellent choice for those looking for quick deposits.

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