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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Check Into Cash


About company

Check Into Cash is a financial services company with over 1,100 outlets (including partner stores) in different locations across 30 states. Payday loans, online payday advances, title loans, bill payment services, check cashing, reloadable prepaid debit cards, Western Union money transfers, and money order services are among the services provided by the company.

Check Into Cash is a national leader in the provision of short-term lending. It provides services ranging from online payday loans to walk-in bill pay. Check Into Cash has been in business for more than 25 years and provides the financial stability and support services that clients require in the short-term loan market. Check Into Cash, started in 1993 in Cleveland, Tennessee, by entrepreneur and philanthropist Allan Jones, today serves customers nationally in their 650+ locations and online, specializing in personal credit solutions.

Check Into Cash is a national leader in short-term credit solutions. We offer everything from Online Payday Loans to Walk-In Bill Pay Services. Check Into Cash surely is Your One Stop Money Shop®.

As a pioneer in the short-term, direct lending industry, Check Into Cash has been providing everyday people with the emergency credit solutions they need for over 25 years. Founded in 1993 by entrepreneur and philanthropist Allan Jones in Cleveland, Tennessee, Check Into Cash now serves customers in both their 650+ stores and online nationwide specializing in personal credit options.

Pros and cons

Check Into Cash adheres to industry best practices and collaborates with state legislators and consumer advocacy groups to advocate prudent legislation that balances the requirements of customers with the interests of the industry. However, before borrowing money online, you should familiarize yourself with all of the advantages and disadvantages:


  • They're simple to use and can approve your loan application in as little as one day.

  • The company is a customer-focused lending firm that does a good job of meeting the needs of those who are in desperate need of money.

  • They provide personal loan solutions that are adaptable.

  • Check Into Cash provides a variety of loans with immediate approval.


  • Fees and interest rates are high.

  • A longer term with a reduced APR is not a possibility.

  • They are not available in all the states.

Loan conditions

The type of loan requested determines the lending conditions. When qualifying for a loan with Check Into Cash, you must meet the following criteria:

  • Be in possession of a valid Social Security number (SSN)

  • Supply your bank's routing number.

  • Provide your government-issued identification.

  • Be at least 21years old (19 years in Alabama)

  • Provide proof of income.

You can bring a check instead of entering your routing information if you apply in a store. Residents of Oklahoma and Indiana may be required to show proof of their Social Security number.

Methods of loan funding

From check to cash, funding a loan is straightforward. If you apply in person, you'll get same-day cash if you're approved. Once approved, money is electronically transferred into your active checking account.



What is Check Into Cash?

Check Into Cash is a financial services company with 1,100 locations in 30 states.

Who owns Check Into Cash?

W. Allan Jones created the company in 1993.

How do you qualify for Check Into Cash?

To apply for a loan, the applicant must have an active bank account with an active phone number that has been open for at least 90 days. He or she must be at least 21 years old (19 in Alabama) and a citizen of the United States.

How much can you borrow from Check Into Cash?

The maximum payday loan amount is regulated by state legislation. Depending on your state, these might cost anything from $50 to $1,000. Your ability to repay a payday loan is determined by your eligibility.

Is Check Into Cash a legitimate company?

Yes, Check Into Cash is a legitimate, regulated payday lender that provides loans both online and in person. It is also registered legally to provide lending services. The company has an authorized GA license and NMLS issued by the department of banking and finance. It is also authorized under the Western Union Financial Services.

Company documents

Rates and Terms
Privacy Policy

Check Into Cash is a national leader in short-term credit solutions.

© Check Into Cash

Calculate loan payments in Check Into Cash

Check Into Cash calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

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Loan term

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What to focus on before applying for a loan with Check Into Cash

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Check Into Cash and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Check Into Cash’s reviews by September 2022
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