Company Profiles

Check Into Cash Overview and Alternatives

Date Modified: Jan 13, 2023
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Check Into Cash is a short-term loan lender that has been in business for over 25 years. It was founded in 1993 by Allan Jones in Cleveland, Tennessee. The company serves customers in its 650+ stores, as well as through online services.

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The company offers several financial services such as Payday Advances, Cash Advances, Title Loans, Title Pawns, Check Cashing, Western Union, and Bill Pay Services. In addition, they work with state legislators and federal agencies to ensure customer needs are met while still adhering to legislative requirements.

Check Into Cash has locations in the following states: Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Kansas, Louisiana, Mississippi, Missouri, Nevada, Oklahoma, Oregon, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming.

Products and Services

Here are some of the products and services offered at Check Into Cash. Visit the site to learn more about each service.


Payday Loan

A short-term loan used for emergencies or when you need quick funds.

Installment Loan

A loan that provides the consumer with lower payments, better payback terms, and more money.

Title Loan

Use the title on your vehicle as collateral when applying for a loan. Your title returns once you’ve made the final payment on the loan.

Flex Line of Credit

Borrow as much as you can within your credit limit.


Check Cashing

The company cashes customers’ checks.

Pre-Paid Debit Card

You can receive funds through a reloadable debit card if you do not have a credit card.

Western Union

Transfer money anywhere across the world, quickly and safely.

Bill Pay

Use cash to pay several bills in one place.

Send Gift Cards

Check Into Cash buys new and used gift cards from over 500 major retailers.

Money Orders

Use cash to purchase money orders.

Rates and Fees

Rates and fees differ based on the type of loan you choose to borrow. They also vary based on your state of residence. For example, the site states, “each state has its rates and requirements” for payday loans.

Additionally, Check Into Cash does not charge interest on its payday loans. However, they charge a flat fee between $10 and $30 per $100 borrowed, depending on your state. The APR on a payday loan can range from 400% to 1,000%; once again, it varies state by state.

How to Apply for a Loan With Check Into Cash

Applying for a loan is a simple and relatively fast process. It takes a few steps and about 15 minutes out of your day.

Step 1. Prequalify online

Fill out the prequalification form online to see what your potential rates and terms may be.

Step 2. View offers

After you prequalify, you can see what offers are available to you before you complete the application.

Step 3. Verification of application

After you apply, a customer service representative will reach out to verify the information you have submitted along with your application.

Step 4. Receive funds

If your application is verified and accepted, you should receive your funds within one to two business days. After that, the funds will be transferred directly into your checking account.

Pros and Cons of Check Into Cash

As with all lending companies, there are advantages and disadvantages to taking out a loan. It is good to know the pros and cons before you apply, so you are fully aware of what the company offers.

These are the pros and cons of Check Into Cash:

Pros Cons
  • Fast and easy application process
  • Flexible personal loan options
  • Quick loan decisions
  • Great customer support
  • Online and in-store options
  • High fees
  • Low lend limit
  • Not available in all states
  • High APRs that can reach over 1,000% in some states


What is Check Into Cash?

Check Into Cash is a short-term loan lending company that offers several solutions for those who need immediate financial assistance. It was founded in 1993 in Cleveland, Tennessee, by Allan Jones. It has over 1000 branch locations in 30 states. The company offers payday loans of up to $1,000 to borrowers who have a poor credit history. It also offers check cashing, bill pay, and gift cards.

What Is the Minimum Credit Score That Check Into Cash Will Consider?

There is no minimum credit score that Check Into Cash requires of its customers. Even with bad credit, you may still be eligible for a payday loan. If you meet the basic requirements and criteria of the lender, you could receive the money you need in as soon as one business day.

Can I Have a Payday Advance and Installment Loan at the Same Time?

No. You are only allowed to have one credit product at a time. 

What if I Miss a Payment?

Failure to pay back a payday loan can lead to bank overdraft fees. Additionally, the inability to repay a loan can lower your credit score. If you cannot pay back a loan, you can file for bankruptcy or settle the debt for less than you owe. Payday lenders withdraw the money from your bank account if you have given them access as part of your loan agreement. You may also receive calls from lenders asking you to pay back your loan.

If you miss a payment, Check Into Cash will charge you a late fee. Late fees are between $25 to $30 if you fail to pay on time. If you are late by 15 days or more, you may be charged a late fee of around 5% of the loan amount.

Is Check into Cash Safe?

Check Into Cash is a safe and secure loan provider. They offer password-protected and encrypted services throughout the entire loan application process. Additionally, you can opt for paperless statements for added security.

How Much Does Check Into Cash Charge for Interest?

Check Into Cash does not charge interest on their loans. However, like other lenders in this space, the lines of credit come with a fee that varies depending on which state you are applying out of. For example, a loan from California has a different rate compared to a loan from Louisiana.

In California, if you were to borrow $100, you may receive a flat fee of $17.75. Your check amount would be $117.65. For an advance with one payment, that would translate to a 14-day APR of 460.16%. If you were to borrow $100 in Louisiana, your fee amount may be $30, your held check amount would be $130, and your 14-day APR would be 782.14%.

What About Other Fees?

Check Into Cash may add other fees depending on the state from which you apply. For example, in Louisiana, you will need to pay a $10 documentation fee. Your loan agreement will show all required fees.

Can I Get a Check Into Cash Loan if I Am Not Employed?

The website does not clarify whether or not the applicant has to be employed to apply for a payday loan.

How Many Times Can You Take Out a Loan?

You can apply for and borrow a loan from Check Into Cash as many times as you like, but you can only have one loan at a time.

Alternatives to Check Into Cash

If you feel that Check Into Cash does not provide what you are looking for, other options are available. Of course, these are just a few alternatives, but the numerous lending companies all over the country have options available. 


  • If you need an installment loan: OppLoans
  • If you need a larger sum: Avant
  • If you are looking for flexible financing: RISE Credit 

Opp Loans

Opp Loans is an online installment loan servicer that gives its customers low rates and terms compared to other credit providers. Unlike Check Into Cash, it reports your payments to credit bureaus, which helps you build your credit. However, you do need to meet the minimum monthly income requirement to qualify for the loan. This requirement varies from state to state. Opp Loans also does not offer loans under $500.

The provider is not available in the following states: Arkansas, California, Colorado, Connecticut, Illinois, Iowa, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Pennsylvania, Vermont, Virginia, West Virginia.


Avant offers several options that Check Into Cash doesn’t, including APR limits, more state offerings, and higher loan amounts. Although Avant charges interest on its payday loans, the APR ranges between 9.95% to 35.99%. Additionally, Avant allows its borrowers the option to pay via credit card. 

Avant also provides higher-sum loans, ranging up to $35,000. Of course, qualifying for a larger loan depends on your eligibility and qualifications, and not all applicants may be eligible. 

Avant is available in Arizona, Arkansas, Connecticut, District of Columbia, Georgia, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Pennsylvania, Rhode Island, South Carolina, South Dakota, and Virginia.

RISE Credit

If you’re looking for a lender who offers more flexible financing options, RISE Credit can be an alternative to Check Into Cash. RISE Credit allows you to choose a payment schedule that works for you. They also offer early repayment options. 

If you happen to change your mind regarding the loan, RISE Credit provides a five-day risk-free guarantee. You are able to return the principal amount of the loan within five business days if you no longer wish to borrow. 

RISE Credit reports all payments to major credit bureaus, which may help you build your credit if you pay on time. 

Unfortunately, they don’t offer loan options for borrowers in Colorado, Connecticut, District of Columbia, Iowa, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Dakota, Vermont, Virginia, and West Virginia.

Bottom Line

If you are looking for quick financial assistance and require a loan, Check Into Cash may be a good option for you. They are simple to use and can provide you with a loan in as little as one business day. The company also offers a slew of financial services such as online payday loans, a line of credit, in-store cash advance, title loans, installment loans, check cashing, money transfers, and reloadable prepaid cards. Some of the advantages of Check Into Cash include a fast application process, availability in 26 states, fast deposits, and quick decisions. However, interest rates and fees are high, as with any payday lender. So, it is not a cheap service, but it provides numerous efficient and customer-focused lending alternatives for those strapped for cash. 

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Ana-Maria Sanders, author at OpenLoans
Lead Writer
Ana-Maria Sanders is a highly-regarded writer with over a decade of expertise in the personal finance sphere, specializing in loans and credit cards.
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