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Check into Cash Reviews

Check Into Cash is state licensed and regulated lender and has been offering cash loans since 1993. The lender has a wide coverage and has more than 1000 stores that are evenly spread across 30 states in the US. They have been offering short-term loans to their customers for over two decades and are a founding member of CFSA. Website:  checkintocash.com

Check Into Cash is both an online based and store based payday lender with its headquarters located in Cleveland, Tennessee. They have been in business since 1993 and have more than 1000 stores across 30 states; they have simplified the access to cash during emergency times. The rates and fees will vary depending on your home state and a quick check on their website will give you the exact charges.

The online application is available across 23 states with rates falling within the average charges for payday loans. The process is quick and the online application takes only five minutes, upon application, a customer support agent will call you and walk you through the process before finalizing your application.

With more than two decades of business, the company is a founding member of the community financial services Association of America (CFSA) which is in charge of payday industry best practices.

Check Into Cash support an online application as well as a store based application. They claim that they will make access to the cash you need happen instantly because they approve loans in minutes.

For the online application, you only need to fill the online application form and if you are approved, then you are required to sign the loan. This is usually done by e-sign. The funds are released into your bank account as soon as the following business day. On the due date for the loan which is the next payday, the borrowed amount will be debited from your account together with loan fee and any other applicable charges.

In the in-store application, you are required to provide a recent checking account statement and any proof of current employment. Then you will write a personal check for the total amount you want to borrow plus all additional charges and leave it at check into cash store. Additionally, you can provide your account details if you wish to pay by debit. With the storefront option, the funds are received instantly. To be safe make sure the checking account has sufficient funds so that when the lender deposits the check for repayment, you won’t need to worry about insufficient funds fee as well as an overdraft charge from the bank.

However, it can take up to two business days to get the funds in your account with the online application.

To be eligible to apply for the loan, you need to be at least 21 years of age, have an active checking account for least 90 days and have a valid phone number plus an email address.

In a few minutes you will be informed about the application status and if you qualify, they tell you how much money you are allowed to borrow. In Alabama, the legal age is less stringent and you are allowed to apply if you are above 19 years.

Check Into Cash will give their customers a loan that is between $50 and $1000. The exact amount is dependent on state laws as well as the applicant’s qualification. However, in the legal states, the qualification requirements are quite flexible compared to conventional money lenders.

The application process is fast and you get the preapproval feedback in around 30 seconds. You may be required to provide the following information:

  • Personal details like full names, driver’s license number, date of birth and social security number.
  • Your current residential address, a valid email address, and a phone number.
  • Income details
  • Current employers name and contact details.

A customer support staff will call you to verify the details, once the details are validated, you can receive the money in one to two business days. The site receives the applications on a 24/7 basis but the transactions are processed between 9:00 AM to 7:00 PM Monday to Friday. It’s also good to note that bank deposits to your account can only be performed on a valid banking day.

The rates will vary depending on:

  • State of residence
  • Loan terms

Generally, the APR can be anywhere between 260.71% and 782.14%. To be certain about the terms, you can look up the specific charges for your state on their website.

The company specifies that delinquent accounts are subject to submission over to third party debt collection agencies which could be detrimental to your credit score. Additionally, they charge both late payment fees and insufficient funds fees.

There are no automatic loan renewals and therefore any renewal will attract new charges or fees.

The service is convenient and easy to apply. After successfully submitting an online application, checkintocash.com will notify you about the application status in 30 seconds. For successful applicants, the money is normally deposited into the bank account in 24 hours or the next business day.

The eligibility criterion is flexible and you can still qualify even with poor credit scores. As long as you can prove your ability to repay the loan then you will most likely get it.

If you take the loan and then change your mind on the issue, you are allowed to return the money within one business day without any additional charges.

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

If you choose to apply through a physical store, they have it available in these states:

Alabama, Florida, Indiana, Nebraska, Louisiana, Virginia, Oklahoma, Arizona, Georgia, Iowa, Nevada, Michigan, Washington, South Carolina, California, Idaho, Kansas, Tennessee, Mississippi, New Mexico, Wisconsin, Colorado, Illinois, Kentucky, Missouri, Texas, Ohio, and Wyoming. There are a total of 1000 stores spread across these states; this implies that if you live close enough to a store, you can access the loan in a matter of minutes.

Customer Service Department:
201 Keith Street – Suite 80
Cleveland, TN 37311

This company offers discount codes that you can use at check out to save some money. The most popular discount codes promises some quick cash plus a $10 rebate for return customers.

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