Check Into Cash logo

Loan Amounts


$50 - $5,000

Loan Term


Depends on the type of the loan, usually several weeks

APR Range



Min. Credit Score


Not specified

Editorial Rating

Check Into Cash Review

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Loan Amounts


$50 - $5,000

Loan Term


Depends on the type of the loan, usually several weeks

APR Range



Min. Credit Score


Not specified



Vary depending on amount and state

Funding Time


One business day

Founded in


1993 in Cleveland, Tennessee

BBB Rating



Min. Revenue


Not specified



22 states

Check Into Cash logo

Editorial Rating

In today’s financial climate, unexpected expenses come up all the time. Unfortunately, as studies indicate, too many Americans don’t have enough savings and can’t afford such unpleasant surprises.

That’s where Check Into Cash reviews like ours can come in handy — they provide US borrowers with information about alternative lending marketplace platforms.

This Check Into Cash review will outline what Check Into Cash is and take you through the Check Into Cash application process.

What Is Check Into Cash?

Check Into Cash is a small-dollar financial services retailer that provides emergency funding and personal loans to borrowers. Founded in 1993, the company was a pioneer in the short-term direct lending industry.

Since then, it has become one of the best personal loan companies around. While it only provided cash checking and payday loan services in the early days, Check Into Cash now offers different types of personal loans, including:

  • Check Into Cash payday loan
  • Online payday advances
  • Check Into Cash title loans
  • Check Into Cash flex loan
  • Bill payment services
  • Check cashing
  • Installment loans
  • Reloadable prepaid debit cards
  • Money transfers
  • Money order services

Check Into Cash is also the founding member of the Community Financial Services Association of America (CFSA), the nation’s top short-term loan trade organization.

Who Is Check Into Cash Best For?

The company specializes in short-term personal credit options, which is great for those who need quick loans for financial relief. Its online personal loan options are perfect for:

  • Anyone who needs to borrow money without physically going to a lender.
  • People who need to cover unexpected expenses in between paydays without incurring revolving debt.

Getting Started With Check Into Cash

The Check Into Cash loan application process is quick, easy, and confidential.  You can prequalify online and request a loan, and Check Into Cash will reveal what interest rate you qualify for without hurting your personal credit score.

Applicants can either call the vendor’s toll-free number, visit one of its physical stores, or apply online.

The first thing you need to do is fill out a free application online. To do that, you will need to provide the following information:

Step 1: Basic Personal Information

  • First name
  • Last name
  • Email address
  • Cell phone number
  • Zip code

You will also be asked whether you want to process your loan online or in-store.

Step 2: Additional Personal Information

The second step requires providing some account information such as first and last name, email address, and password. You will also need to confirm all those details.

  • Cell phone number
  • Home phone number
  • Driver’s license number
  • License state
  • Address
  • City and state
  • Zip code
  • Whether you rent or own your home

Step 3: Financial Information

In the third and final step, you will need to provide Check Into Cash with your income and banking details, including:

  • Source of income
  • How you get paid
  • Gross paycheck amount
  • How often you get paid
  • Bank account type
  • Account number
  • Routing number
  • Social security number
  • Date of birth

It takes only a couple of minutes to complete this process. Once your application is received, a customer service representative will call you to verify the information you’ve provided.

When the company verifies it and you are approved for the loan, you’ll receive an official loan agreement. After you sign it, Check Into Cash will deposit the funds directly into your active checking account. The funds should be available on the next business day.

Terms & Requirements

The requirements for a Check Into Cash payday loan are pretty lenient. To qualify for one, you must:

  • Be at least 21 years old (19 in Alabama)
  • Be a US citizen or a permanent resident
  • Live in one of the states where Check Into Cash is available
  • Have a steady stream of income

Check Into Cash’s requirements may vary depending on your state of residence. The company may also ask for additional documentation, such as:

  • Your most recent 30-day bank statement
  • A recent pay stub
  • A state-issued driver’s license or photo ID
  • A social security card

For more details on the company’s terms and requirements, visit the official Check and Cash website.

Check Into Cash User Reviews

When it comes to Check Into Cash reviews on BBB, these vary depending on which US state we’re talking about. However, the overall user experience with the company seems to be negative. What customers complained about the most was the company’s customer service, loan turnaround time, and overcharging.

As for Check Into Cash reviews on Trustpilot, these were more frequent and mostly positive. In contrast to Check Into Cash’s BBB reviews, those on Trustpilot praise the company’s customer service, prices, and swiftness of the loan process.


Let’s dive into the main features of Check Into Cash.

Check Into Cash Fees & Rates

The fees Check Into Cash charges depend on the type of loan you choose, the state you live in, your income, and your credit record. They will be outlined in your loan offer document.

If you accept them, you will be required to repay the principal loan amount plus the interest rate on the due date — normally two to four weeks later. If you’re late with your payment or miss it, you can expect to incur some additional fees.

Check Into Cash doesn’t charge a fee to apply for a loan. However, you’ll have to pay a fee on your loan. For payday loans in the amount of between $100 and $1,500, the fee will usually be somewhere between $15 and $79 (which is equivalent to a 390% APR).

Note: The APR is high because payday loans normally have a loan amount term of 14 days or so. However, if the loan term is longer, the APR might be lower.

Privacy & Security

Check Into Cash has worked tirelessly since 1993 to assure customers their personal and financial information is safe. Unfortunately, payday loans are generally prone to scams.

Our research into Check Into Cash showed Reddit users reported receiving what seemed like fraudulent emails. However, reviews on Reddit aren’t that reliable.

To protect your data, it’s best to check out the company’s guide on identifying the most common types of fraud and scams.

By staying alert and contacting Check into Cash when you suspect fraudulent activity, you help the company protect your personal and financial information.

Customer Support

If you have any questions and queries, you can contact the Check Into Cash support team via phone, email, or live chat.

The Check Into Cash website also has a Virtual Chat Assistant that can help you with:

  • Questions about products
  • Checking the status of your loan
  • Completing you loan application
  • Locating nearby Check Into Cash stores

You can also connect with Check Into Cash on its social media channels: Facebook, TwitterLinkedIn, and YouTube.

Check Into Cash Alternatives

How does Check Into Cash compare with other lenders? Let’s find out.

Check Into Cash vs.

If you’re looking for personal loans for bad credit, then might be a good alternative to Check Into Cash.

The main difference between the two is that the former isn’t a direct lender but a loan aggregator with a network of lenders. You can get a bad credit loan of up to $10,000 and repay it in three to 36 months. The APR for a personal loan often ranges between 5.99% and 35.99%.

In addition to having reputable partner lenders, also offers credit-related resources on the different types of personal loan services as well as business, mortgage, and student loans.

Check Into Cash vs. LendingTree Personal Loans

The biggest difference between Cash Into Cash and LendingTree Personal Loans is that the latter is a marketplace that matches borrowers with unique lenders.

LendingTree is one of the top loan connection companies in the United States. It offers loans between $1,000 and $50,000 and rates as low as 2.49% APR.

LendingTree also offers a longer loan term than Check Into Cash — from 12 months up to 12 years.

Like Check Into Cash, LendingTree also provides unsecured loans for bad credit.

Final Verdict

If you’re strapped for cash in between paychecks, Check Into Cash is one of the best available lenders on the market. You can quickly complete the loan application and know whether you qualify for one in a matter of minutes.

Moreover, if you have bad credit, a payday loan might be the best way to borrow money. You’ll still qualify for a Check Into Cash loan as long as you have a steady income and can repay the loan quickly.

However, before borrowing from Check Into Cash, you should know two things. First, you might have to pay an origination fee if you opt for an installment loan. And second, the company does a hard credit pull before approving you for a loan, which can damage your credit score.

To conclude, we recommend using Check Into Cash as a last resort if you need money fast and know you can repay the loan quickly. Otherwise, you could find yourself owing more than you borrowed.

While we hope our review helps you make the right decision, you can also check other Check Into Cash payday loan reviews if you still have doubts.


  • Quick loan approval
  • All credit types are considered
  • The loan requirements aren’t too stringent
  • The application process is quick and convenient
  • Check Into Cash has over 1,100 physical locations, a website, and a mobile app


  • High APRs
  • Large payday loan fee
  • Potential hit to credit rating
  • Won’t help you build up credit
Check Into Cash logo

Editorial Rating


Is Check Into Cash legit?

Yes, it is. Check Into Cash is a founding member of the Community Financial Services Association of America (CFSA), an organization that enforces compliance, best practices, and promotes responsible legislation.

How much does Check Into Cash charge to cash a check?

Fees vary from state to state and the type of loan. Overall, the Check Into Cash’s check-cashing fee tends to be reasonable — at least 3% and 5% of the check amount.

Does Check Into Cash hurt your credit score?

Usually, payday loans as such don’t hurt your credit score as long as you repay them in full and on time. That said, the vendor will do a hard pull which will impact your credit rating.

What time does Check Into Cash open?

The Check Into Cash hours are 10 am to 6 pm Monday to Friday and from 10 am to 1 pm on Saturdays.

How much does Check Into Cash pay for gift cards?

Depending on where you sell the gift card and the demand on that particular card then the Check Into Cash gift cards services can get you anywhere between 60% and 92% of the card value.

Are cash loans a good idea?

Cash advance loans are best as a last resort because if used over a long time they can be very expensive to repay.

How can I get immediate money?

There are a number of ways you can get money immediately. You can sell some stuff around the house or you can take out a payday loan if you’re in a tight spot. Check Into Cash reviews (including ours) show that this particular company is a decent option for immediate funds.

How does Check Into Cash work?

First, you need to complete the online application. If you’re pre-approved, you’ll e-sign your application. After that, the company will deposit the funds into your bank account. Based on information from various Check Into Cash reviews by customers, the company will likely do that as quickly as the next business day.