Check Into Cash Review – A Reliable Solution For Your Cash Emergency

Check Into Cash Review – A Reliable Solution For Your Cash Emergency

(8 customer reviews)
Loan Ammount
Installment loan: $100 to $5,000, Payday loan: $50 to $1000
Loan term
Installment loans: several months, Payday loan: two weeks
Min. credit score
Not specified
Est. APR
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8.7/10 (Expert Score)
Product is rated as #4 in category Reviews on Payday Loans

The name Check Into Cash is a respected one in the short-term loan industry. Check Into Cash primarily targets troubled borrowers who have a cash emergency or a temporary financial hardship. How? Well, their approved loan product or service reaches clients’ accounts in the following business day.

The versatility of loan products is extensive, and the application process is fast and intuitive. Still, as with most reliable online lenders, APRs often reach unbearable amounts that must get repaid within short timeframes. Hence, to give the most reliable overview and final grade, our CheckIntoCash review considers numerous criteria.

Customer Experience
  • Relatively small loan amounts
  • High service and finance charges
  • Substantially high APRs
  • Short repayment terms
  • Fast turnout time
  • A quick and free application process
  • Bad credit accepted
  • Helpful customer support
Editorial Note: This content is not provided or commissioned by any financial institution. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the financial institution.

Company (Lender) Loan Amount Loan term Min. credit score Est. APR Funds available in
check into cash logo Payday loan: $50 to $1000
Installment loan: $100 to $5,000
Payday loan: two weeks
Installment loans: several months
Not specified 390% 24 hours

Check Into Cash has a vast assortment of loan products, including business loans, advances, personal loans, title loans, and pawns. Customers apply online and then receive the status of their application shortly afterward. The advantage of such short-term loans is that they’re quite helpful in tackling urgent money needs.

Though your credit report doesn’t count when you apply, consider it impacted once a hard inquiry gets made. On the positive side, Check Into Cash’s customer service is responsive and available via several channels.

What Is Check Into Cash, and Is It Legitimate?

check into cash

Check Into Cash specializes in small loans and provides borrowers extra money to deal with emergencies before payday. They offer payday advances and payday loans online in Florida, Hawaii, Idaho, Illinois, Indiana, Kansas, and 24 other states. Approved amounts are usually between $50 and $1,000, depending on income level and state law restrictions.

As for legitimacy, in this Check Into Cash review, we established that this lender is highly professional, reliable, and safe. Check Into Cash is licensed in the states it operates and abides by the applicable state regulations. Indeed, its founder was one of the pioneers in the direct lending industry. Thanks to him, Check Into Cash has been successfully operating for over 25 years and keeping your details safe.

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How Much Can You Borrow From Check Into Cash?

As a short-term payday lender who deals with small-dollar loans, Check Into cash offers relatively low amounts. More precisely, any approved amount can vary from as little as $50 up to $1,000.  However, customers who apply with this lender for the first time can borrow $750 at the most.

When it comes to an installment loan, loan amounts range from $100 to $5,000. Bear in mind that such loans are limited to a handful of states, including Alabama, Missouri, Mississippi, Florida, and Illinois. Alternatively, a title loan can reach $25,000 depending on your vehicle’s title estimated value.

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Am I Eligible to Apply?

Check Into Cash will approve a quick payday loan, but only if you fulfill the stipulated basic requirements. Consider the following criteria that you must meet to become eligible for any loan product.

  • Be at least 21 years of age
  • Be a US citizen or living in the US permanently
  • Have a stable source of income
  • Possess a checking account in your name
  • Reside in one of the 30 states where the lender operates

Note that depending on the state you reside in, you may need to submit additional documents. Such documents include a recent pay stub, a social security card, and the latest 30-day bank statement. If you’re not sure what type of proof you need, check the details on their website.

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How Long Does It Take to Receive Money From Check Into Cash?

Once you fill in and submit the online application, the lender will let you know about your status within minutes. If the outcome is positive and you’re approved the amount you’ve applied for, funds undergo a quick transfer. In a word, the turnout time is one or two business days.

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Is Check Into Cash Right for You?

Consider Cash Into Check only when you’re strapped for cash and need to resolve matters quickly. Such small loans primarily target people with bad credit, steady income, and capacity to repay the loan fast. However, bear in mind that fees differ across various states and range between 3% and 5% of the loan amount.

The turnout time is a real strength of Check Into Cash. Hence, when you apply for a loan and meet the criteria, you’ll most likely receive the money the next business day. Last, their customer service is superb, and clients can contact a service representative via phone, e-mail, or online.

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Verified Clients’ Comments

The following are some of the most relevant Check Into Cash reviews left at ConsumerAffairs and TrustPilot by verified borrowers:

“They saved our day!! I would give them more than 5 stars!! Thank you!! These ladies are rock stars!!”

Fred Daley

“The interest rate is incredible! Very high. So I would suggest you only use this for emergencies. It would not be a service to get ahead of your finances.”

Wendy Rafferty

“Check Into Cash was convenient. I had a good interaction with their rep, and their process was quick and smooth. It was completed the next day, and I was very satisfied with that. Everything went good.”

Byron of Welsh, LA

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Final Word

Tailored to help with life’s small emergencies, payday loans provide quick money when your payday seems too far away. CheckIntoCash clients need to complete a simple online application and can apply for amounts up to $1,000. When you need a more significant financial boost to your bank account, an installment loan of up to $5,000 is the answer. The lender offers both solutions and more.

Overall, if you desperately need the money and you’re confident that you can repay the loan on time, go for it. Otherwise, it’s better to opt for another alternative due to the high-interest rates and ancillary fees.

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Is Check Into Cash safe?

CheckIntoCash is one of the safest direct lenders in the industry for any loan product or service. Check Cash In offers quick advances and payday loans through a simple online application. Their application is safe, secure, and encrypted. For more details, contact their customer service, which is always helpful and understanding.

What do you need to get a loan from Check Into Cash?

You must meet general criteria, such as to be over 18 and a permanent citizen or resident of the States. Then, you must reside in one of the 30 states where the lender operates. Moreover, you should have a regular stream of income and an open checking account. There are some other eligibility criteria such as bank statements and pay stubs, but this is mainly up to the state of residence.

Does Check Into Cash offer installment loans?

Yes, this lender offers installment financial services within its array of products. Their amounts can reach $5,000, but this depends on your income and place of residence. Installment loans can get repaid within several months, bi-weekly or monthly.

Does CheckIntoCash affect credit score?

This loan vendor pulls hard checks that can harm your credit rating. Hard inquiries get performed with each application and then show up on your detailed credit history.


Terms: Check Into Cash Review – A Reliable Solution For Your Cash Emergency

Loan amount Installment loan: $100 to $5,000, Payday loan: $50 to $1000
Loan term Installment loans: several months, Payday loan: two weeks
Min. credit score Not specified
Est. APR 390%

Photos: Check Into Cash Review – A Reliable Solution For Your Cash Emergency

8 reviews for Check Into Cash Review – A Reliable Solution For Your Cash Emergency

3.9 out of 5
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  1. Benjamin S

    Check into Cash was perfect when I needed quick cash. Their turnaround is very fast so I receive the money within the next day.

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  2. Samantha S

    I applied on Friday and the money was on my account the same day. Thank you Check into Cash. I really needed the money fast and they did everything to resolve the matter.

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  3. Samuel K

    I like the company very much. They are reliable and fast when you need small amount of money for a short period of time until the next paycheck. They saved me a couple of times. Thanks.

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  4. Katherine G

    I was rejected and my bad credit score was impacted. I will go with another company next time. They didn’t even bother to explain why they rejected me.

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  5. Gregory C

    Their representative was very pleasant and helped me with the application. I got approved almost instantly and receive the money the next day. Top service.

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  6. Christine F

    If you have an emergency Check into Cash is the right place to turn to. I was surprised how fast they approved me and I got my money. Yes the interest rates are big but that is expected for lenders like that.

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  7. Frank D

    My concern was their high interest rates. For a small amount you have to pay almost the triple in just a month. I don’t think that these kind of services suits to anyone.

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  8. Debra A

    Top credit service. Easy application and you can get in contact with their representative if you need any help.

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