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Lender
Rating by Finanso®
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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.

The Check Cashing Store

Finanso.Multilogin™

About lender

The Check Cashing Store is a well-known financial institution in Florida, USA. The company provides various financial solutions such as loans, mobile check-cashing services, money transfers, prepaid cards, money orders, etc. to its customers through its advanced online platforms.

The company was founded in March 2006 and soon became a well-known name in Florida. One year later, in 2007, the Dollar Financial Group acquired the company and expanded its network of payday lenders. The company offers two short-term loans to give its customers a financial boost when they have an extra expense. It also has a mobile app that allows you to access their check cashing services and load them onto a debit card in a matter of minutes. The business also offers services like free money orders and accepts all sorts of payroll checks. You can also access your funds or apply for a money transfer without having an active account with a bank when you use their check cashing services.

Pros and cons

Requesting a payday loan may be beneficial if you're suffering from financial troubles. It is, however, crucial to educate oneself on all of the advantages and disadvantages before you borrow money online.

Pros

  • Customer service and attention to detail are hallmarks of The Check Cashing Store. A majority of its clients praise the company's employees for their dedication in assisting them with their questions and difficult situations.

  • Using their service is simple and easy to understand. When it comes to their loan options, the team explains the entire procedure in-depth and lists the benefits of each category so that the customer can choose the best alternative. The loan is rapidly credited following approval.

Cons

  • While other financial institutions help their clients by reducing late fees and other charges during a pandemic, the Cash Checking Store continues to raise costs, making it more difficult to settle payments and collect interest using their services.

  • The mobile app has received some negative feedback. It has a history of crashing and becoming unresponsive.

  • After you have uploaded papers and filled out essential information, your account may be deactivated without explanation.

Loan conditions

An applicant must be 18 years old or older to apply for a loan. They must have a valid checking account with the most recent banking statement, a personal check from their checking account, a valid email address, proof of a consistent source of income, an active phone number, and a valid government-issued photo ID.

Reloan

You can only have one payday or payday plus loan at any given moment. Please, note that an applicant must wait 24 hours after settling or terminating an existing payday loan before applying for another loan on a new date.

Methods of loan funding

The bank offers payday loans to help people with unexpected expenses. If they are accepted, borrowers who visit the store for the first time can expect to receive their funds in just 15 minutes through money transfer. The company can process the loan immediately once they have verified the applicant’s documents. Alternatively, one can also apply online and have their money sent immediately into their checking account.

Reviews

FAQ

What is the Check Cashing Store?

The Check Cashing Store is a well-known financial service in Florida having been launched in March 2006. The company was purchased by Dollar Financial Group. When borrowers have an unexpected expense, the company offers two short-term loans to help them get by.

Who owns the Check Cashing Store?

The company was acquired by the Dollar Financial Group, Inc. in 2007.

How do you qualify for a loan?

To qualify for a payday plus loan or a payday loan, you must be at least 18 years old, have a legitimate bank account, a stable source of income, an active phone number, and a valid government photo ID.

How much can you borrow?

Their online loans are between $100 to $500. The slider on their homepage can help you estimate the cost of your loan. You can also apply in person at one of their stores, where the minimum loan amount is $50.

Is it a legitimate company?

Yes, the company is a registered service mark of Dollar Financial Group Inc.

Company documents

Privacy Policies
Safety & Alerts
Terms and Conditions

We’re a trusted brand that answers our customers’ needs. And fast.

© The Check Cashing Store®

Financial products

The Check Cashing Store
Payday Plus loan
Rating by Finanso®
i

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.

Recommended FinScore™
0
300
650
1000
$200-$1000
Rate
i

Effective interest rate on the product

APR 203.38%
Term
i

Loan term for the financial product

60-90 days
The Check Cashing Store
Payday loan
Rating by Finanso®
i

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.

Recommended FinScore™
0
300
650
1000
$100-$500
Rate
i

Effective interest rate on the product

APR 390.8%
Term
i

Loan term for the financial product

7-31 days

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up to 35.99%
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Recommended FinScore™
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300
650
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$1,000 - $25,000
Rate
i

Effective interest rate on the product

18.99% - 35.99% APR
Term
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Loan term for the financial product

12 - 60 months

Calculate loan payments in The Check Cashing Store

The Check Cashing Store calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount
i

Enter the desired loan amount

USD
USD
100 $
1000 $
Loan term
i

Specify the loan term for the calculation

days
months
7
90

What to focus on before applying for a loan with The Check Cashing Store

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 The Check Cashing Store 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 The Check Cashing Store’s reviews by September 2022
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