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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.

Apply for a Check Into Cash's loan


How to apply

The company offers multiple loan options for borrowers,


Check Into Cash's requirements vary by state, and you may be needed to provide extra documentation, such as:

  • Your most recent bank statement (within the last 30 days)

  • A pay stub from the recent past

  • A state-issued driver's license or photo ID

  • A social security number (SSN)

  • Applicants must be at least 21 years old (19 years in Alabama)

Application details

You may feel confident that Check Into Cash will offer all of the information needed to complete your application as fast and easily as possible, no matter where you are. Go to Check Into Cash's website to get started with your application. Then you must fill out the prequalification form with basic information, and if you qualify, you must complete the application steps. Once you've completed the form, customer service will call you to double-check the information, or you may check it yourself by visiting the store. You can expect to get your funds in one to two business days if you apply online. If you apply in person, you may receive your funds the same day.

How to apply for a loan

Applying for a loan is easy with Check Into Cash. To apply for the loan, you need to follow these basic steps:

  1. Go to the official website and click on the Apply now button.

  2. If you already have an account, you can log in using your credentials; otherwise, you can create one with your email address and password.

  3. Fill up a pre-qualification form. Enter your name and click on Next.

  4. After that, enter your email address and click on Next.

  5. Provide your zip code and your home address.

  6. Enter your mobile number and click on Next.

  7. Enter your SSN and click on Next to begin your evaluation.

  8. If you prequalify, review your offer and complete the application according to the guidelines. Connect your bank account details if you applied for the loan online.

  9. You will get a call from a customer care representative to confirm the information you entered on your application.

  10. Wait for your money to be deposited into your bank account. It usually takes one to two business days for this to happen.


How long does it take to get approved by Check Into Cash?

Check Into Cash's fast approval service allows consumers to receive funds within one business day after applying online or within the same visit if applying in-store.

How trustworthy is Check Into Cash?

Check Into Cash is a reputable organization with over a decade of experience in loan lending. The business is Better Business Bureau (BBB)-accredited and has an A+ rating. The company is also legally registered to provide lending services to borrowers.

Will Check Into Cash verify income?

Yes, Check Into Cash verifies your income and banking information, such as your source of income, how you are paid, and the amount of your gross paycheck. How often you get paid, bank account type, account number, date of birth, routing number, and social security number will be also required.

Can Check Into Cash hurt your credit score?

If you pay back a Check Into Cash payday loan on schedule, it will not affect your credit score. However, if it is sent to collections, it will appear as a charge-off on your credit record, lowering your credit score.

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

Enter the desired loan amount

100 $
2000 $
Loan term

Specify the loan term for the calculation


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 October 2022
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