Check Into Cash Reviews
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About Check Into Cash
Check Into Cash is a direct lender that has been in business since 1993. It offers four loan types, including online payday loans, in-store title loans and in-store cash advances. Check Into Cash also offers additional financial services. The company has over 300 locations spread across 15 states and accepts in-person and online loan applications.
- Multiple loan options
- Over 300 store locations
- Application process not on website
Payday lending is illegal and unavailable to consumers in some states. Payday loans usually have very high interest rates and carry risk. As with any loan, consumers should have a clear understanding of the fees, terms and conditions of any payday loan before borrowing.
Check Into Cash loans
Check Into Cash provides four types of loan services:
- Payday loans: A cash advance for small expenses. Payday loans are typically paid back on your next payday.
- Installment loans: A large loan amount that can be paid back over a longer period of time.
- Title loans: A loan based on the value of your vehicle’s value. A clean car title is used as collateral. Once the loan is paid off, your car title is returned back to you.
- Flex line of credit: Allows you to borrow money within your credit limit.
On top of its loan programs, Check Into Cash also offers five additional services:
- Check cashing: Cash a check at one of Check Into Cash’s branches.
- Western Union money transfer: Purchase money orders and transfer money to any account around the world.
- Sell us your gift cards: Turns new gift cards into cash.
- Green Dot Visa debit card: A debit card program.
- Bill pay: Pay any bill at any Check Into Cash store.
How does getting a loan from Check Into Cash work?
Here’s how taking a loan out from Check Into Cash works:
Apply: To get a loan through Check Into Cash, you can apply in person at one of its branches or through an online application.
Check Into Cash partners with Speedy Cash for its online application.The first step to this application is to input your ZIP code. Payday loans are illegal in some states and regulations vary by state.
After you provide your ZIP code, you’ll be instructed to create an account. Once an account is created, Check Into Cash will request personal information such as name, date of birth, social security number, street address and phone number.
You’ll also be asked to provide a source of income and your banking information. If you are applying for a loan in person, a company representative will be able to assist you with completing these steps.
- Get cash: Once you’ve completed the application and have been approved, Check Into Cash will provide your funds. If you apply in person, you can receive cash before you walk out of the door. If applying online, Check Into Cash says your funds will be deposited as soon as the next business day.
- Repayment: Repayment plans for each loan will vary based on the loan type, lender and which state you reside in. Payday loans are typically paid back in two to four weeks, while installment loans can be paid back over several months.
Check Into Cash rates
Check Into Cash does not disclose its rates. You’ll have to contact the company for that information. Annual percentage rates (APRs) vary depending on your location and the loan that you apply for.
Check Into Cash FAQ
How much can you borrow from Check Into Cash?
The amount you can borrow from Check Into Cash is determined by loan type and state residency. Below is an estimated amount that can be borrowed based on each loan type.
- Payday loan: $50 to $1,500*
- Installment loan: $50 to $5,000*
- Title loan: $100 to $25,000**
- Flex line of credit: $100 to $4,000*
*Depending on state regulations
**Depending on state regulations and the current value of the vehicle
How quickly does Check Into Cash deposit funds?
If approved for a loan at one of its stores, Check Into Cash will supply you with funds before you leave the store. If you filled out an online application and were approved, your funds can be deposited as soon as the next business day.
Does Check Into Cash check your credit?
Yes, Check Into Cash will check your credit when you apply for a loan.
Where is Check Into Cash available?
Check Into Cash has in-person stores in Alabama, Arizona, California, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Oklahoma, South Carolina, Tennessee and Wisconsin.
If you reside outside of these states, you’ll have to fill out an online application.
Still have questions?
Is Check Into Cash legit?
Yes, Check Into Cash is a legitimate loan company that has been in business since 1993. It offers four loan options, with five additional services, including check cashing and bill pay.
If you apply for a loan at one of Check into Cash’s store locations, it says you can obtain cash funds before you walk out of the building. If your online loan application is approved, funds can be directly deposited into your account in as little as one business day.
Check Into Cash is a suitable option if you’re looking for quick funds. However, make sure to read and understand your loan terms before borrowing.
Check Into Cash Reviews
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Reviewed May 2, 2026
Check Into Cash was the closest to me. Their actual lending process was easy. It took 30 minutes tops from the application to approval. The representative I worked with was filling in for somebody, but she did a great job. She was nice. We had a nice chat, and got it done. I was given cash on the spot. I just filled out forms. I needed money to pay rent, and I was able to pay rent. The only thing is it's an extremely high interest rate.
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Reviewed April 11, 2026
My mom had gone through Check Into Cash and when I decided to get a loan, I just had to fill out paperwork and provide the income from my job. I’ve dealt with the reps before and I like them. They’re helpful. Check Into Cash works with you. The only thing I don't like about it is that I never know how much my payments are because they're different every week. You have to call them to find out how much your payments are. Other than that, my experience was good.
Thank you for trusting us. We are here to help when you need us.
Reviewed March 28, 2026
Check Into Cash doesn’t take you through a whole lot of things that the other ones do, but you have to have everything you need. I got a payday loan and the process was great. It wasn't long at all. The reps were very experienced and after they got everything they needed, everything was fine. They answered all my questions. They are very sweet, kind and nice. I love Check Into Cash and I’ve referred a couple of people to them.
I’ve pawned my titles about five times and I pay and get them, and if I need money, I go back to Check Into Cash. I drive all the way from where I stay. The money helped me a lot. The only complaint I have is if you don’t have the full amount, you have to go in person to pay and come in for the title. You can't pay a note on titles over the phone. But if you do a payday loan, you can call and get your card, pay your note or pay for it over the phone, and they take the money off your card. They can’t do that with a title loan if you're not paying the whole thing off.
Thank you! Let us know if we can help with anything in the future.
Reviewed March 6, 2026
Check Into Cash used to be a really good business. I was driving by, and I happened to see it. I went through their lending process and it was really well. The rep went out of the way. The system was giving us some issues, but he didn't take no for an answer. Check Into Cash helped me with the funds that I needed right then and there. They are the reason I'm able to have a place. If you want to get something done, you can get it done quickly with them. If you go to the Irvington location, their reps are really friendly.
We are delighted to hear you had a pleasant experience!
Reviewed Feb. 26, 2026
I took a small payday loan from Check Into Cash. They told me everything before they even started the application. They explained to me how the process worked with no surprises. They told me how much the interest rate was on it, and that if I paid it off early, I wouldn't be penalized for it. They were very informative. The manager and the lady that did the paperwork were super nice. The place was very clean. I like the design of the place. I had to go to the bathroom while the lady was doing the paperwork, and the bathroom was very clean. The whole process took about 30 minutes. They were super fast and efficient. The rate was a little high, but for what I needed it for, it was perfect. It all helped me out a lot. The money that I got from them went towards the bill that I was taking care of. I’d use them again.
Check Into Cash was very efficient in what they do. They were very knowledgeable. It didn't take a long time to get anything done. They were right on time with everything. So, I enjoyed the conversations while I was in there. We had a very nice conversation. The people in there weren't stuck up or didn't want to talk to you. They were very talkative. They made it feel like you were at the house.
We are thankful for customers like you!
Reviewed May 16, 2026
Check Into Cash is all that I have around town, which is why I went with them. The customer service was very good.
We are thankful for customers like you!
Reviewed May 8, 2026
I had a friend that went to Check Into Cash to get a loan, and she referred me to them. I used them as well and the rep got her job done. The application process was easy.
Your feedback is highly valued! Thanks for sharing.
Reviewed May 7, 2026
I had a good experience with Check Into Cash. They opened the door for me to get my credit level up. So, I'm gonna make my monthly payments on time. The reps treated me good and provided good customer service.
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Reviewed May 4, 2026
Check Into Cash treat me well. I heard about them from a friend and I do a lot of business with them. The experience has been great.
Thank you for trusting us. We are here to help when you need us.
Reviewed April 29, 2026
I got a $400 loan through Check Into Cash. The process was good. It took about 15 minutes.
Thank you for trusting us. We are here to help when you need us.
Check Into Cash Company Information
- Social media:
- Company Name:
- Check Into Cash
- Company Type:
- Private
- Year Founded:
- 1993
- Address:
- 201 Keith Street SW, Suite 80
- City:
- Cleveland
- State/Province:
- TN
- Postal Code:
- 37311
- Country:
- United States
- Website:
- checkintocash.com
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