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No! There is no application fee.
It’s easy! To be approved for a payday advance, you only need:
*Indiana residents must provide proof of a Social Security Number
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.
Once your cash advance is approved, the money is electronically deposited directly into your active checking account.
Currently, Check Into Cash requires an active checking account in order to provide you with a payday loan.
Yes. All of our application information is submitted on secure, encrypted pages.
Yes! 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!
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.
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 customersupport@checkintocash.com.
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.
The loan amount and fee are withdrawn from your checking account automatically on the due date.
Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Kansas, Louisiana, Mississippi, Missouri, Nevada, Oklahoma, Oregon, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming.
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.
In most cases, you will know within 30 seconds if your loan request is pre-approved by Check Into Cash.
In most cases within 1-2 business days.
We 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).
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.
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.
You will receive a pre-approval notice on the website. A customer service representative will call you shortly thereafter.
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.
Yes, but certain restrictions may apply. Please see our Privacy Policy for more information.
Yes, for an online payday loan, please contact a customer service representative at 877-577-7977 to arrange an early payoff.
Contact the Credit Dispute Resolution group in writing at P.O. Box 728, Cleveland, Tennessee 37364-0728.
Include all or as many of the following items as possible when you write to us:
• Complete Name
• Address (Street, city, state, zip code)
• Telephone number
• Date of birth
• Last 4 digits of your social security number
• The specific item or transaction you are disputing
• An explanation of all the facts for why you believe the item is inaccurate or incomplete. (Be as specific as possible, describe what is inaccurate or incomplete and why, and request that it be removed or corrected.)
• A copy of your credit report showing or circling or marking the item (if available), or the date of your credit report (if available)
• Copies of all supporting documents. For example, payment records, cancelled checks, court documents, police reports or an FTC Identity Theft Report, showing that an account was the result of identity theft, bankruptcy schedules showing that an account was included in or discharged in bankruptcy (if available)
Only include copies and do not send original documentation. If we do not receive sufficient information, we cannot investigate your claims. We cannot return any copies from your mailed request.
For rates and terms in your state of residence, please visit our Rates and Terms page. 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: There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive. 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 California customers: Check Into Cash is licensed by the Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law. Notice to Utah customers: For questions or complaints please call the Utah Department of Financial Institutions at 801-538-8830 (Utah customers only). Notice to Louisiana 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 (Louisiana customers only). Notice to Texas 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. Check Into Cash engages in the money transmission business as an authorized delegate of Western Union Financial Services, Inc. under Chapter 151 of the Texas Finance Code. Notice to Delaware customers: There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive. A payday loan is not intended to meet long-term financial needs.