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Check Into Cash


We know payday loans and cash advances can get confusing. Our goal is to make this process as quick and painless as possible.

Below are some of our most commonly asked questions and policies.

Online Payday Loan FAQs

Online Payday Loans

Does Check Into Cash offer payday loans online?

  • Absolutely. Check Into Cash offers fast cash advance payday loans through our simple online application. Our application is safe, secure and encrypted. We currently offer payday advances or payday loans online in Alabama, California, Delaware, Idaho, Indiana, Kansas, Louisiana, Michigan, Mississippi, Missouri, Nevada, Ohio, Oklahoma, Oregon, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming.

Does it cost anything to apply?

No!  There is no application fee.

Does Check Into Cash work with other payday lenders?

Yes. Getting a cash advance fast in an emergency money situation is important.  If we cannot complete your loan request, we will give you the option to work with a network of lenders to get you a fast money loan as soon as possible.

What is an online cash advance or payday loan?

  • It’s a short term, small dollar loan that gives you some extra cash before payday. The amount is usually between $100 – $1,000, depending on income level and state law limitation.

How can I find out if I qualify for an online cash advance payday loan?

It’s easy! To be approved for a payday advance, you only need:

  • Have an active checking account open for at least 90 days
  • Be at least 21 years of age (19 years of age in Alabama)
  • Be a citizen or permanent resident of the United States
  • Have a current home/cell and work phone number
  • Have a valid email address

*Oklahoma and Indiana residents must provide proof of a Social Security Number

How much can I get?

You may qualify for a fast payday loan from $100 to $1,000. Maximum loan amounts vary by state and are determined during the credit decision process.

How do I get the money?

Once your cash advance is approved, the money is electronically deposited directly into your active checking account.

What if I don’t have a checking account?

Currently, Check Into Cash requires an active checking account in order to provide you with a payday loan.

Is it safe to enter my account number or social security number on your website?

Yes. All of our application information is submitted on secure, encrypted pages.

Can I still get a loan if I have bad credit?

Yes. If you’ve had bad credit in the past, you may still be able to get the money you need from Check Into Cash, so don’t hesitate to apply.

Do you check my credit score?

Check Into Cash does not check the three major credit bureaus.

How long does it take to get an online payday loan?

It takes just minutes to fill out our online payday loan application! A conditional approval is given immediately on the website at the time of submission. Once the application is received, a customer service representative will then call you to verify your application information. If all information is verified, your funds will usually be available on the next business day.

Do I need a fax machine or printer?

In the event we need additional information (such as a bank statement, pay stub or other form of payment), you may need access to a printer to print the supporting documents as well as a fax machine to send the documents back in some cases. Documents may also be emailed to

How much does it cost?

The fees will vary depending on the amount of your payday loan and your state of residency. See your states fee schedule on our Rates & Terms page for more details.

How and when do I repay the loan transaction?

The loan amount and fee are withdrawn from your checking account automatically on the due date.

What states are you licensed for online payday loan business?

Alabama, California, Delaware, Florida, Idaho, Indiana, Kansas, Michigan, Mississippi, Missouri, Nevada, Ohio, Oklahoma, Oregon, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming.

Do you have to call my employer?

Yes, sometimes we do need to contact your employer to verify employment. We will not ask any personal questions – we will simply ask if you are employed there.

How long does it take to get a loan approved?

In most cases, you will know within 30 seconds if your loan request is pre-approved by Check Into Cash.

When will I get the money?

In most cases within 1-2 business days.

What hours is the service available?

We accept requests for payday loans 24 hours a day, 7 days a week, 365 days a year. Our transactions are processed between 8:00 AM to 10:00 PM (EST) Monday – Friday and 10:00 AM to 5:00 PM (EST) Saturday. We can only electronically fund loans to your checking account on valid banking days (Monday–Friday).

What is a bank routing number?

The bank routing number is the nine (9) digit number on the bottom of your personal checks and is used to identify your banking institution. The routing number begins with 0, 1, 2 or 3.  If this number is not entered correctly during the online application process, it will delay the approval and funding process of your loan request.

How do I find my bank account number?

Your bank account number is located at the bottom of your personal checks. Sometimes your check number is also found on the bottom of your check. Don’t include your check number with your bank account number. If this number is not entered correctly during the online application process, it will delay the approval and funding process of your loan request.

How will I know if I’m approved?

You will receive a pre-approval notice on the website. A customer service representative will call you shortly thereafter.

Can I pick up the money at one of your stores?

You can choose to complete your loan online or at one of our convenient store locations, but be sure to select the appropriate channel prior to submitting your application.

Can I pay my loan early?

Yes, for an online payday loan, please contact a customer service representative at 877-577-7977 to arrange an early payoff.

Is my cash advance or payday loan transaction confidential?

Yes, but certain restrictions may apply. Please see our Privacy Policy for more information.

Have a Question?

General Information

Customer Service Department:
201 Keith Street - Suite 80
Cleveland, TN 37311
Online Loan Customers:
Phone: 877-577-7977
Fax: 877-577-7978
General Support:
877-262-CASH (2274)
Store Consumer Hotline: