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.
Main content begins
Online Payday Loans FAQs
Does Check Into Cash offer payday loans online?
Does it cost anything to apply?
No! There is no application fee.
What is an online cash advance or payday loan?
How can I find out if I qualify for an online 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
*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! 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!
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 customersupport@checkintocash.com.
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, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Kansas, Louisiana, Mississippi, Missouri, Nevada, Oklahoma, Oregon, 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.
When can I apply for a payday loan?
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).
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.
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 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.
How do I dispute account information that is on my credit report??
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.