Thank you for visiting www.checkintocash.com. For information about our products and services, including assistance with processing an application for credit, please call 877-276-9958 toll-free.
 
 

FAQS & POLICIES

  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.

Answers To Your Installment Loan Questions

Q What is an installment loan?

A Check Into Cash installment loans are a medium term loan that offers you more money and is paid back over a longer period of time. Typical installment loan repayment terms last 6 to 12 months. Installment loans can be paid early without a pre-payment penalty.
Check Into Cash installment loans are only offered in specific states. Please see the State Center to find out what products are available in your state.

Q Can I pay my installment loan early? Does it save me money?

A Yes. Paying your installment loan before the maturity date is allowed without a pre-payment penalty. Paying your loan early does save you finance charges since interest is charged on a daily basis on any outstanding principal amount.

Q Does Check Into Cash offer installment loans?

A Check Into Cash does offer installment loans, however they only offered in specific states. Please see the State Center to find out what products are available in your state.

Q How much does an installment loan cost?

A The amount of the finance charge for Check Into Cash installment loans is different per loan. This is because the amount of interest charged per loan is based upon the principal loan amount and the length of the loan term.

The Annual Percentage Rate (APR) for payday loans varies in each state and depends on the advance amount, fees, and terms of the transaction. The APR for a $100 single-payment payday loan may range from 260.71% to 782.14% on 14 day terms. As a member of CFSA, Check Into Cash abides by the spirit of the Fair Debt Collection Practices Act (FDCPA) as applicable to collect past due accounts. Delinquent accounts may be turned over to a third party collection agency which may adversely affect your credit score. Non-sufficient funds and late fees may apply. Automatic renewals are not available. Renewing a loan will result in additional finance charges and fees.

For online Customer Support please contact us at 1-877-262-2274.

Customer Notice: A single payday loan or cash advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday loans and cash advances are not recommended as long-term financial solutions. To view a list of the states we service online, please visit our Rates and Terms page. For our privacy policy, please visit our privacy policy page. Notice to CA customers: Check Into Cash is licensed by the Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. Notice to OH customers: In Ohio, Check Into Cash operates as a registered credit services organization (CSO). The actual lender is an unaffiliated third party. CS.900185.000. In Ohio, Loan By Phone operates as a registered Credit Services Organization (CSO). The actual lender is an unaffiliated third party. CS 900138.000. Ohio in-store license. Notice to UT customers: For questions or complaints please call the Utah Department of Financial Institutions at 801-538-8830 (UT customers only). Notice to LA customers: If you cannot make payment when due, you can ask to enter into an extended payment plan once in a twelve-month period, but the request must be made before payment is due. Should your lender (Check Into Cash) refuse to enter into an extended payment plan upon your request before the due date, contact the Office of Financial Institutions at 1-888-525-9414 (LA customers only). TX customers: In Texas, Check Into Cash operates as a Licensed Credit Access Business (CAB). The actual Lender is an unaffiliated third party. Notice: An advance of money obtained through a Small Loan or Auto Loan is not intended to meet long-term financial needs. A Small Loan or Auto Title Loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges. VA customers: CREDITCORP OF VIRGINIA IS LICENSED BY THE STATE CORPORATION COMMISSION. VA LICENSE # VTL-10.