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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's pay off


Repayment of loan

The fees charged by Check Into Cash vary depending on the loan you pick, the state you live in, your income, and your credit history, but they will all be detailed in your loan offer paperwork. If you accept, you must repay the loan principal plus interest by the due date, usually two to four weeks later. If you're late or miss a payment, you can expect to be charged late fees.

Check Into Cash doesn't charge an application fee, but you may expect to pay a loan cost of $15 to $79 on a payday loan of $100 to $1,500, which equates to a 390% APR. That percentage is high since payday loans typically have a 14-day loan duration, although it might be lower if the loan length is longer.

Supported types of payment

Your payment is automatically deducted from your bank account on the due date by Check Into Cash.

Steps to repay

The process of repaying the loan is straightforward. On your next scheduled payday, the amount of the loan and any fees will be taken from your checking account for payday loans.

In the case of installment loans, the agreed-upon payment amount will be deducted from your account on the specified days. You have the option of paying off an installment loan early without incurring any penalties.

Conditions of loan extension

If you require further time, contact customer support to obtain an extension prior to the deadline.

Extensions, on the other hand, should only be used in extreme circumstances. You're more likely to owe numerous times the amount you borrowed if you keep extending your loan. This puts you at risk of becoming stuck in a debt cycle.

Early payoff

There are no prepayment penalties if you pay off your bill early.


How do I make a payment to Check Into Cash?

 The amount of your loan will be taken straight from your source account.

What happens if you don't pay back Check Into Cash?

Borrowers who do not pay their bills on time face additional late payment fees. If you are still unable to pay your debts, the corporation may pursue legal action against you.

Can you pay Check Into Cash early?

Yes, you can pay your loan early without any penalties.

Can Check Into Cash sue you?

If you default on your loan installments, Check Into Cash has the right to sue you.

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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