FAQs

FAQs. Navigating your loan journey can be difficult and even scary sometimes. But we want to make things as easy as we can. Here, you'll find commonly asked questions along with helpful answers and guidance. Apply Now Find A Store 877.262.2274 Filter by Product or Service Select Payday Loan Installment Loan Title Loan Flex Line of Credit Registration Loan Check Cashing Money Transfer Gift Card Bill Pay U.S. Money Card Money Order Browsing & Security CC Connect General Or Search by Keyword Search Payday Loan FAQs Can I pay my loan early? Of course! 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. 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. See All Payday Loan FAQs Installment Loan FAQs Can I still get an Installment Loan even if I have bad credit? Yes. Even if you've had bad credit in the past, or still have less-than-perfect credit, you may still be eligible for an Installment Loan from Check Into Cash. If you meet our basic eligibility and underwriting requirements, you could still receive the quick money you need, so don't hesitate to apply. How do I receive money for my Installment Loan? If you apply in a store, you will receive same-day cash and walk away with your money, once approved. If you apply online, your funds are electronically deposited directly into your active checking account, once approved. Can I have a Payday Advance and Installment Loan at the same time? No. Check Into Cash only allows you to have one credit product at a time. See All Installment Loan FAQs Title Loan FAQs What if I already have a Title Loan with another company? If you have an existing Title Loan or Title Pawn, visit Check Into Cash. We may be able to buy your Title Loan from another company for more money. When will I get my car title back? With a Title Loan, you'll set up a payment schedule based on your income. Once the loan and fees are paid off, your title will be returned to you. Can I receive a Title Loan online? You can begin online with our free estimate tool. However, you’ll need to visit a store nearby to complete your Title Loan. Visit a store prepared with your documents and you'll be on your way to getting fast cash deposited for life's unexpected expenses. Visit our State Center to find a store near you. See All Title Loan FAQs Flex Line of Credit FAQs How do I close a Line of Credit? You may close your Line of Credit at any time by calling us at 877-262-2274. Please review your Line of Credit agreement for more information. Do I have to pay down the full amount of my Line of Credit each month? There is a minimum payment requirement you must make on your Line of Credit, just like a credit card. This minimum amount includes the membership fee, 5% of the principal amount you have withdrawn, and any applicable interest on that principal. Can I still get a Line of Credit even if I have bad credit? Yes. Even if you've had bad credit in the past, or still have less-than-perfect credit, you may still be eligible for an Line of Credit from Check Into Cash. If you meet our basic eligibility and underwriting requirements, you could still receive the quick money you need, so don't hesitate to apply. See All Flex Line of Credit FAQs Registration Loan FAQs When do I repay my Registration Loan? Typically, a Registration Loan spans up to 30 days in length. At that time, you’ll repay your Registration Loan plus fees. Can I receive a Registration Loan online? You can begin online with our free estimate tool. However, you’ll need to visit a store nearby to complete your Registration Loan. Visit a store prepared with your documents and you'll be on your way to getting fast cash deposited for life's unexpected expenses. Visit our State Center to find a store near you. Why is the APR Percentage So High? APRs (Annual Percentage Rates) represent a rate calculated over a 12-month timespan. However, Registration Loan terms range from weeks to months. Imagine you asked to rent a hotel room for an entire year. The cost would be huge. Yet, the cost of a single night isn’t so bad. The same logic applies to short-term loan APRs. See All Registration Loan FAQs Check Cashing FAQs Where do I go to cash my check? Check cashing services are available at all participating Check Into Cash retail locations. These store services are not available in Illinois. Visit our State Center to find a store near you. What if I don’t want to carry around cash? If you don't want to carry around the entire amount of your check in cash, we can put some or all of your money on a U.S. Money Visa® Prepaid Card.&dagger; Most of our Check Into Cash locations offer this unique, easy prepaid card. Bring in your check and walk out with cash, a prepaid card, or both. How could it be easier? See All Check Cashing FAQs Money Transfer FAQs Why should I use Money Transfer Services from Check Into Cash? Western Union® Money Transfer Services at Check Into Cash allow you send money to your friends, family, and loved ones in another state or another country. This Money Transfer is easy, safe, and secure. What do I need to use Western Union® Money Transfer Services? In order to use Western Union® at Check Into Cash stores, you will need a Government-Issued Photo Identification Card and a few Western Union® forms which are available in all of our Check Into Cash locations. For transfers over $3,000, we will need your date of birth, Social Security Number and occupation. Are Money Transfer Services easy at Check Into Cash? Yes. Our Money Transfers make sending or receiving money easier and more convenient than ever. With Western Union® Money Transfer Services, send money fast to over 345,000 Western Union® locations in the United States or even around the world. Funds may be picked up at these participating Western Union® agent locations throughout the nation and world. See All Money Trasfer FAQs Gift Card FAQs How fast can I receive cash for my gift cards? Unlike online exchanges, Check Into Cash will put cash in your hand immediately, so there's no waiting. And with our caring customer service agents, you get a complimentary smile with each transaction. We'll guide you through the process, answering your questions every step of the way. Why would I want to exchange my gift cards for cash? Here are the top 3 reasons to trade your gift cards for cash: I don’t shop at this retailer. I need the money to pay bills. I rather have cash. See All Gift Card FAQs Bill Pay FAQs Why use Bill Pay Services at Check Into Cash? Paying a bill should be no big deal. Use our Bill Pay Services to pay bills with confidence knowing your money and information are secure and your payments are processed safely and on time. What should I bring for Bill Pay Services? All you need to use Bill Pay Services at Check Into Cash is the original bill and cash to make your bill payments. See All Bill Pay FAQs U.S. Money Card FAQs Why is the U.S. Money Prepaid Visa® Card more convenient? Your new card functions as a debit card that’s a safer cash alternative. It offers easy direct deposit and a free mobile app to manage your finances. The U.S. Money Prepaid Visa® Card makes accessing your money easy, anywhere, at any time. Can I still get a U.S. Money Prepaid Visa® Card without a bank account? Yes, you sure can. In fact, if you don’t have a bank account, simply apply for a U.S. Money Prepaid Visa® Card. Then, you’ll be eligible for one of our great loan options, even if you don’t have a bank account. Why do I need a U.S. Money Prepaid Visa® Card? Carrying around large amounts of cash can sometimes be risky. A more secure option may be keeping your money on a card. You can easily pay bills and shop online using your new debit card, too. See All U.S. Money Card FAQs Money Order FAQs What are the benefits of using Money Orders from Check Into Cash? Money Orders also provide a safe, easy, and reliable way to distribute money to friends and family because Western Union® Money Order payment tools are recognized and accepted throughout the United States and many foreign countries. Why would I need a Money Order from Check Into Cash? Money Orders from Check Into Cash through Western Union® are a great way for customers to make purchases and pay bills quickly without the unneeded expense of maintaining a checking account. What do I need to bring for a Money Order? In order to use Western Union® at Check Into Cash stores, you will need a Government-Issued Photo Identification Card and a few Western Union® forms which are available in all of our Check Into Cash locations. For transfers over $3,000, we will need your date of birth, Social Security Number, and occupation. See All Money Order FAQs Browsing & Security FAQs 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. Why are there links to other websites? As a reference and service to you, we provide links to other web sites on the Internet. These links are provided for your convenience only and do not constitute an endorsement for any services, products or companies. You should also refer to that specific site's privacy and security policies when accessing other sites. What is your email security policy? To ensure your privacy, our online applications have always encrypted for your protection. Thanks to recent advances, you can now email sensitive information (account numbers, Social Security Number, passwords or PINs). Before doing so, make sure you're using encrypted email or a Virtru plug-in for your Chrome browser. This plug-in encrypts gmail and other email programs...