Online Payday Loans FAQs

ANo! There is no application fee.

AIt’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

*Indiana residents must provide proof of a Social Security Number

AYou 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.

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

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

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

AYes! Even if you’ve had bad credit in the past, if you meet our basic credit check and underwriting requirements, you could still get the money you need, so don’t hesitate to apply!

AIt 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.

AIn 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 customersupport@checkintocash.com.

AThe 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.

AThe loan amount and fee are withdrawn from your checking account automatically on the due date.

AAlabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Kansas, Louisiana, Mississippi, Missouri, Nevada, Ohio, Oklahoma, Oregon, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming.

AYes, 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.

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

AIn most cases within 1-2 business days.

AWe accept requests for payday loans 24 hours a day, 7 days a week, 365 days a year. Our transactions are processed between 9:00 AM to 7:00 PM (EST) Monday – Friday. We can only electronically fund loans to your checking account on valid banking days (Monday–Friday).

AThe 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.

AYour 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.

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

AYou 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.

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

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