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Check Into Cash Reviews

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Edited by: Matt Zane

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.

Visit checkintocash.com
Pros
  • Multiple loan options
  • Over 300 store locations
Cons
  • Application process not on website

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:

  1. 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.

  2. 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.
  3. 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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    Page 1 Reviews 0 - 35
    Verified purchase
    PriceStaffLoan Process

    Reviewed Sept. 7, 2026

    I've used Check Into Cash before, and I always have good results with them. I usually know how much I'll get. They usually even got $700 or $800, and that's usually about how much I need. The process is very simple. I'm on disability, so I take my benefits letter in and then a bank statement and a piece of mail or your driver's license. They get your proofs. The whole process takes about 30 minutes. The rep was very nice. It was very good. I wish the place in Midwest City was still open because I had to drive to Norman and I live in Choctaw. The Midwest City store would have been a lot closer. It's a payday loan, so it's expensive. But they're a lot better than the loans you can get from the Native American tribes. It was a very positive experience.

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      Verified purchase
      Punctuality & SpeedStaff

      Reviewed Sept. 6, 2026

      I would highly recommend Check Into Cash to anybody. I have recommended it to most people. They were very friendly and helpful. I was in a hurry that day. My mother passed away in March, and her headstone was getting put up that day. They understood, and they got me in and out as quickly as they can. Super easy, super fast. The Kimball, Tennessee branch with those two ladies are fantastic.

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      Verified purchase
      StaffRates

      Reviewed Sept. 5, 2026

      Check Into Cash was one of the first ones that popped up online and had good reviews in my area. The interest rate is a little high. But with my overall experience, I would recommend Check into Cash. The lending process was one of the quickest and smoothest I've had. The rep was super nice.

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      Verified purchase
      StaffBillingLoan ProcessRatesHonesty & Transparency

      Reviewed Sept. 4, 2026

      I was behind on some bills and I was in a very tight spot. I needed to get them paid, so I walked up the street and went into Check Into Cash for a personal loan. It was a pain in the neck to not be able to get files off my drive and upload them. I struggled with Google Drive, even though that's what I used everywhere else. Once I got around it, I was able to do it. The person who helped me out was really helpful, honest and pleasant. I would rate them a 4 and that's only because of the interest rates and how awfully high they are. Otherwise, it'd be 5.

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      Verified purchase
      Punctuality & SpeedStaff

      Reviewed Aug. 18, 2026

      I was in a bind and I needed money fast, and Check Into Cash was the most convenient and quickest way to get it. They helped me out the day I needed it. So, I was appreciative. The staff was nice and I liked that she was funny. She cracked jokes and had a good personality. She was friendly and her vibe was on that day. The process took about 20 minutes from the time I walked in and walked out. I got approved for a larger amount than I thought I would, and they gave it to me in cash. The only thing was that I'm a senior, and my son's a junior, so they kept bringing up my son's information under my Social Security Number.

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      Verified purchase
      Punctuality & SpeedStaffBilling

      Reviewed Sept. 19, 2026

      I looked Check Into Cash up online because my dog needed help. I needed to pay the vet bill very quickly. The application process was easy. It took like 30 minutes. I was there in person. The rep I dealt with was cool.

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      Verified purchase
      Staff

      Reviewed Sept. 8, 2026

      It was a positive experience. It was very, very easy, and very smooth. I asked questions, got answers, and it made sense. They have a very courteous and knowledgeable team. It was all good.

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      Profile pic of the author.
      Customer ServicePunctuality & SpeedRefunds & PayoutsStaffLoan Process

      Reviewed Sept. 2, 2026

      Disappointing service after years of loyalty. I have been a loyal customer at the Foley Check into Cash location for a long time and have always had positive experiences, especially with the previous attendant who was kind, respectful, and helpful. Unfortunately, my visit today (9/2/2026) was completely different. An employee named Stephanie had a terrible attitude and was extremely unprofessional. Instead of helping customers, she was arguing with them and actively telling people they shouldn't borrow money here, saying installment loans are too hard to pay back and telling customers to go to their banks instead.

      On top of that, she demanded paycheck stubs and bank statements that had already been submitted and were on file. It felt like she was intentionally driving business away and turning people away rather than doing her job. Rudeness and arguing with customers are unacceptable, especially when people are coming in for service, they've relied on for years. Management needs to address this issue promptly.

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      Verified purchase
      Customer ServicePunctuality & SpeedStaffRates

      Reviewed Aug. 21, 2026

      Check Into Cash was something that I needed at the time. The application process could be easier. I sat there for a while, but it was a quick process at the end after everything went through. The rep was very sweet, helpful, and patient. Customer service was everything, and they did a good job. But the rates are so high, it’s ridiculous. So, I’ll make sure friends asking about Check Into Cash know about it. You only learn that once you get committed to things. It is a little steep, but Check Into Cash is a good option when you need emergency funds.

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      Customer ServiceStaff

      Reviewed July 18, 2026

      Very good customer service, loved the great help I got; they went above and beyond to help me.

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      Check Into Cash
      Response from Check Into Cash

      Your feedback is highly valued! Thanks for sharing.

      Verified purchase
      Customer ServiceRefunds & PayoutsStaffLoan ProcessRates

      Reviewed June 13, 2026

      The customer service team at the Check Into Cash location I went to was great. They were really friendly, super helpful, and very informative. I got a personal loan. The whole process took maybe 30 minutes. I thought it was going to be more to pay back at the end of it, but it ended up being a good rate.

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      Check Into Cash
      Response from Check Into Cash

      Thanks! We are grateful to have you as a valued customer at Check Into Cash.

      Verified purchase
      CoveragePricePunctuality & SpeedStaffBilling

      Reviewed June 5, 2026

      Check Into Cash gave me a piece of paper with the payback dates and covered everything with me. They keep up with the payments, and if I paid off early, then what it would cost. The lady at the front was extremely nice. Everything went really great. It was a very professional and sufficient experience. They handled it well.

      Thanks for your vote!
      Check Into Cash
      Response from Check Into Cash

      We are thankful for customers like you!

      Verified purchase
      StaffBillingLoan Process

      Reviewed May 30, 2026

      My daughter had to cash a check at one time and we found out about Check Into Cash. I went to the one on Highway 100 and borrowed $1,000 because I needed it to pay some bills. I was able to get it because I recently paid off a loan with them, then I was able to get another $1,000 to pay off another bill. The rep, Matt, was a wonderful person. He helped me out really well and I'll never forget him. He was really nice. He communicated with me and explained how everything goes. I really appreciated him. I said, "I'll be back after I pay this one off.” We were talking like we were the best of friends. I will recommend Check Into Cash.

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      Check Into Cash
      Response from Check Into Cash

      We appreciate your valuable feedback. Your satisfaction is what drives us, and we can’t wait to welcome you back for another outstanding experience at Check Into Cash.

      Verified purchase
      StaffRatesFollow-Through

      Reviewed May 29, 2026

      I've dealt with Check Into Cash before, and I knew they would help me so I went back to them. I didn't get the whole amount that I wanted, but the rep was very friendly and I liked her. She tried to treat people the way she wanted to be treated. There were other people in front of me so the process took about an hour. But when I got up to the window, it didn’t take long. The interest rate was a little high. With the way that they do things, it’s a little mind-boggling. But other than that, everything's good. Check Into Cash does what they say they're gonna do.

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      Check Into Cash
      Response from Check Into Cash

      Thank you! Let us know if we can help with anything in the future.

      Verified purchase
      Customer ServicePriceStaffLoan ProcessRates

      Reviewed May 28, 2026

      I looked up Check Into Cash and got a car title loan. The process was good and didn’t take that long. Both the customer service and the price were excellent.

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      Check Into Cash
      Response from Check Into Cash

      Thanks for choosing us and sharing your experience!

      Verified purchase
      Customer Service

      Reviewed May 25, 2026

      Check Into Cash is a good company. Also, the customer service and the application process were very good. Everything went well.

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      Check Into Cash
      Response from Check Into Cash

      Thank you for trusting us. We are here to help when you need us.

      Verified purchase
      Punctuality & SpeedOnline & AppStaffLoan Process

      Reviewed May 24, 2026

      I was trying online companies and that was more of a hassle. I was in the city and saw Check Into Cash. I went in and gave the rep my ID and information. She had me fill out my stuff on the tablet. I waited a good 30 minutes and the next process was to take the pictures of the vehicle. It was another 40 minutes to get the approval. The rep was trying to help me get a bigger amount with a registration loan because Check Into Cash only accepted me for a certain amount. But I didn't get approved for that. Still, it was an easy process. Others should use Check Into Cash if they want a smooth service when trying to get a loan. The workers were nice and the place was clean. It's a quicker process than other times I've tried with other places.

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      Check Into Cash
      Response from Check Into Cash

      Thank you! Let us know if we can help with anything in the future.

      Verified purchase
      Staff

      Reviewed May 23, 2026

      I liked the simplicity of using Check Into Cash and that it was close to my home. I came in at 10:00 a.m., and it was a smooth and easy process. The rep was very professional, and on point with the breakdown of my repayment. She was good. She was a little occupied with other people, but other than that, she multitasked very well, got us all done, in and out.

      Thanks for your vote!
      Check Into Cash
      Response from Check Into Cash

      Thank you for taking the time to share. Your review means a lot to our team!

      Verified purchase
      Customer ServicePunctuality & SpeedStaffLoan Process

      Reviewed May 22, 2026

      My wife got a title loan from Check Into Cash and we decided on registration this time instead of doing another one with the title. I was surprised with how quickly the rep was able to get me in and out of there. Everything that she explained was exactly more than what I was expecting to know. Overall, the customer service stood out in my experience with them. I sent two of my friends over there because they didn't know that Check Into Cash could do registration loans.

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      Check Into Cash
      Response from Check Into Cash

      Thank you for trusting us. We are here to help when you need us.

      Verified purchase
      Loan Process

      Reviewed May 21, 2026

      I got an installment loan from Check Into Cash. I was there for about an hour. I would recommend the company.

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      Check Into Cash
      Response from Check Into Cash

      Your feedback is highly valued! Thanks for sharing.

      Verified purchase
      Customer Service

      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.

      Thanks for your vote!
      Check Into Cash
      Response from Check Into Cash

      We are thankful for customers like you!

      Verified purchase
      StaffLoan Process

      Reviewed May 13, 2026

      I knew about Check Into Cash from a friend and getting a loan from them was simple. The rep who helped me was nice and I had a great experience with the service. People should go there.

      Thanks for your vote!
      Check Into Cash
      Response from Check Into Cash

      Thank you for trusting us. We are here to help when you need us.

      Verified purchase
      StaffLoan Process

      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.

      Thanks for your vote!
      Check Into Cash
      Response from Check Into Cash

      Your feedback is highly valued! Thanks for sharing.

      Verified purchase
      Customer ServiceStaffBilling

      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.

      Thanks for your vote!
      Check Into Cash
      Response from Check Into Cash

      Thank you for taking the time to share. Your review means a lot to our team!

      Verified purchase
      Customer ServicePunctuality & SpeedStaff

      Reviewed May 6, 2026

      I dealt with Check Into Cash before, and they were good. They didn't harass me. They let me come in and pay without blowing my phone up. The lending process was fast. The person who helped me knew what she was doing. She went in my phone and found my bank statement for me. I couldn't find it. She got all the info she needed and there wasn't any problem. I got the money. She explained the pay dates. She was really nice. Check Into Cash is good. They’re professional. I’d tell others to go ahead and deal with them.

      Thanks for your vote!
      Check Into Cash
      Response from Check Into Cash

      We are delighted to hear you had a pleasant experience!

      Verified purchase
      Customer Service

      Reviewed May 5, 2026

      Check Into Cash is right by one of the places I frequent in Ozark. Their customer service was great. My experience with using Check Into Cash was good and I would recommend them.

      Thanks for your vote!
      Check Into Cash
      Response from Check Into Cash

      We are thankful for customers like you!

      Verified purchase

      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.

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      Check Into Cash
      Response from Check Into Cash

      Thank you for trusting us. We are here to help when you need us.

      Verified purchase
      Customer ServicePriceStaffLoan Process

      Reviewed May 3, 2026

      Check Into Cash has been good. They've been helping me out. Their customer service is pretty good as well. The application process was pretty long. But at the end of the day, it was worth it. I got the loan I needed.

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      Check Into Cash
      Response from Check Into Cash

      Thank you for taking the time to share. Your review means a lot to our team!

      Verified purchase
      StaffRates

      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.

      Thanks for your vote!
      Check Into Cash
      Response from Check Into Cash

      Thank you for taking the time to share. Your review means a lot to our team!

      Verified purchase
      Customer ServiceStaff

      Reviewed May 1, 2026

      My friend recommended me to Check Into Cash and said that they were a good company. Their lending process was pretty simple. It went easily, too. I didn't have issues with them. My customer service rep was very friendly.

      Thanks for your vote!
      Check Into Cash
      Response from Check Into Cash

      Thank you! Let us know if we can help with anything in the future.

      Verified purchase
      Loan Process

      Reviewed April 29, 2026

      I got a $400 loan through Check Into Cash. The process was good. It took about 15 minutes.

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      Check Into Cash
      Response from Check Into Cash

      Thank you for trusting us. We are here to help when you need us.

      Profile pic of the author.

      Reviewed April 23, 2026

      I love the Checking into Cash in Jackson, AL. Mrs. ** is always sweet and polite. She is always smiling and asking how is your day. I just love Mrs. ** personality.

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      Check Into Cash
      Response from Check Into Cash

      Thank you for trusting us. We are here to help when you need us.

      Verified purchase
      Customer ServiceStaffBillingLoan Process

      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.

      Thanks for your vote!
      Check Into Cash
      Response from Check Into Cash

      Thank you for trusting us. We are here to help when you need us.

      Verified purchase
      Customer ServicePunctuality & SpeedStaffLoan Process

      Reviewed March 30, 2026

      My mother told me about Check Into Cash not too long ago, and it pulled up on Google. I applied for a payday loan and the funding was quick. The entire lending process didn’t take that long. But it seemed longer because I was sitting in there while the rep was dealing with people. It took 30 minutes before she got to me. It was my first time in there and she had to take all my information. She was respectful and had good customer service skills.

      Thanks for your vote!
      Check Into Cash
      Response from Check Into Cash

      Your feedback is highly valued! Thanks for sharing.

      Verified purchase
      StaffLoan Process

      Reviewed March 29, 2026

      I knew about Check Into Cash as I was driving by and when I decided to apply for a loan, the representative who helped me was good, and the process was easy.

      Thanks for your vote!
      Check Into Cash
      Response from Check Into Cash

      Thank you for trusting us. We are here to help when you need us.

      Verified purchase
      Customer ServiceRefunds & PayoutsStaffLoan Process

      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.

      Thanks for your vote!
      Check Into Cash
      Response from Check Into Cash

      Thank you! Let us know if we can help with anything in the future.

      Verified purchase
      StaffLoan Process

      Reviewed March 27, 2026

      I Googled Check Into Cash and they seemed to be nice and willing to work with me on what I needed. I got a title loan and the process was smooth and easy. It took about an hour. Dealing with the reps was a positive experience and they knew what they were doing. I would recommend Check Into Cash. They were generous and kind.

      Thanks for your vote!
      Check Into Cash
      Response from Check Into Cash

      Thank you for taking the time to share. Your review means a lot to our team!

      Verified purchase

      Reviewed March 13, 2026

      I used Check Into Cash in the past and I decided to use them again recently. Their lending process was pretty smooth and it took between 10 and 15 minutes to finish, which wasn't long at all. I had no complaints and overall, it was a very easy to work with Check Into Cash. They got me in and out with the funds that I needed in record time.

      Thanks for your vote!
      Check Into Cash
      Response from Check Into Cash

      Thank you for trusting us. We are here to help when you need us.

      Verified purchase
      Punctuality & SpeedStaff

      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.

      Thanks for your vote!
      Check Into Cash
      Response from Check Into Cash

      We are delighted to hear you had a pleasant experience!

      Verified purchase
      Customer ServiceStaff

      Reviewed Feb. 27, 2026

      I needed to borrow some money and I went to Check Into Cash. Their lending process was ridiculous. It took two hours. My representative, Crystal, was okay. She's a nice girl, but the time consumption was too long. They need more employees. The customer service was good but I had a really bad experience with the time.

      Thanks for your vote!
      Check Into Cash
      Response from Check Into Cash

      Thank you! Let us know if we can help with anything in the future.

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      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

      Media

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