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.

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Payday Loan FAQs

A payday loan is a short-term loan designed to help bridge the gap between paydays. Because the loan is short-term, repayment is typically due on your next payday. This quick cash can be helpful when dealing with emergencies or unexpected expenses.
To apply for a payday loan from Check Into Cash, you’ll need the following:
  • A valid government-issued photo ID
  • Proof of income
  • Proof of an open and active bank account
  • Social Security Number/ITIN
  • Direct deposit information
  • Your most recent bank statement
  • Additional information may be required during the application process.
    • Payday loan amounts vary by state and how much you qualify for during the application process.
    See All Payday Loan FAQs

    Tax Preparation FAQs

    Pricing starts at $129*. Additional fees may apply depending on the complexity of your tax return. Speak with an associate about the cost of preparation for more details.

    You’ll need all of your relevant tax information, documents, and identification in order to prepare your taxes at Check Into Cash. The lists below are not comprehensive. Additional documentation may be required due to your unique tax situation. 

    • Government issued ID cards or passports for adults on the return
    • Social Security Card (SSN) or taxpayer identification number (ITIN) letter issued by IRS, for everyone who is expected to be on the return (i.e., taxpayer/spouse and all dependents listed).
    • Birth certificate verifying relationship for any dependent (i.e., child) that you intend to claim. [Note: For dependents that are not your son or daughter (brother, sister, grandchild, niece, nephew, etc., please bring one of the following: (1) marriage certificates that verify your relationship to the child; (2) letter from an authorized adoption agency; (3) letter from the authorized placement agency; or (4) an applicable court document showing dependency.]
    • Proof of address if driver’s license address isn’t current, such as a lease or mortgage statement.
    See All Tax Preparation FAQs

    Installment Loan FAQs

    An installment loan is generally a longer-term loan that can provide customers with more funds than a payday loan, along with a longer repayment period. Once you complete our application process and if you are approved, you will receive one lump sum dispersal of funds, which you will repay according to your scheduled repayment terms.
    To apply for an installment loan from Check Into Cash, you will need to bring the following items:
  • Valid government-issued photo ID
  • Proof of income
  • Proof of your open and active bank account
  • Social Security Number/ITIN
  • Direct deposit information
  • Your most recent bank statement
  • Additional information may be required during the application process.
    • A payday loan is a short-term loan designed to help consumers bridge the gap between paydays. Installment loans, on the other hand, are meant for longer-term financial needs, generally offering a larger loan amount with a repayment period that can extend weeks or months. Rates are traditionally higher on payday loans as opposed to installment loans.
    See All Installment Loan FAQs

    Title Loan FAQs

    A title loan/pawn allows you to use your vehicle and clear title as collateral to access cash. With a title loan/pawn, you may qualify for a higher loan amount compared to other loan options at Check Into Cash. Repayment is spread over several weeks or months, and you can continue driving your vehicle as usual.
    At Check Into Cash, title loans/pawns are secured loans secured by your vehicle. These loans typically offer larger amounts and longer repayment terms compared to other loan options.
    Check Into Cash provides a range of loan options to meet various needs. Unlike unsecured loans, a title loan/pawn is secured by your vehicle and may offer a higher loan amount with longer repayment terms. It can be a great option for ongoing expenses or when you need a larger sum of money.
    See All Title Loan FAQs

    Flex Line of Credit FAQs

    A Flex Line of Credit from Check Into Cash is a longer-term financial solution. Upon approval, you may receive up to $4,000. Unlike traditional loans, you don’t need to take the full amount at once—you can request additional funds during the life of your loan.
    A Flex Line of Credit is a revolving credit line, meaning you can request funds up to your approved amount, including during your repayment period. An installment loan, on the other hand, provides a lump sum upfront and must be paid in full or refinanced before you can qualify for additional funds.
    A payday loan is typically a small, short-term loan repaid in full on your next payday. A Flex Line of Credit from Check Into Cash offers a larger loan amount with a longer repayment term—often weeks or months—and allows you to request additional funds as needed up to your credit limit.
    See All Flex Line of Credit FAQs

    Registration Loan FAQs

    An Express Single-Pay Loan in Arizona uses your vehicle registration and your monthly income for a cash loan where loan dates range from 14 to 36 days. At that time, you’ll repay your Express Single-Pay Loan principal plus fees.

    No. You may not receive an Express Single-Pay Loan Online. You must apply in person at your nearest store location.

    A Registration Loan can give you access to a larger lump sum of cash, using your vehicle’s registration.

    These loans can be used to cover larger, unanticipated expenses like emergency travel, car or home repairs, medical bills, or other unforeseen costs.

    See All Registration Loan FAQs

    Green Dot® Visa® Debit Cards FAQs

    A Green Dot Visa Debit Card is a reloadable debit card available for purchase at Check Into Cash. Once loaded with funds, you can use it like a regular Visa® debit card anywhere Visa is accepted.
    A Green Dot Visa Debit Card is a practical solution for managing daily expenses, whether you’re at home or traveling. It functions like a traditional debit card—without the risk of exposing your primary banking information.
    Yes, you can use your Green Dot Visa Debit Card for online purchases and payments wherever Visa is accepted.
    See All Green Dot® Visa® Debit Cards FAQs

    Check Cashing FAQs

    Check cashing is a money service that involves turning a check into, well, cash! Just like our name, we can help you turn your check into cash at your local Check Into Cash. We may be your premier source for payday loans, but we know quite a bit about check cashing as well. Learn more here.
    Absolutely! Check Into Cash is Your One-Stop Money Shop® that can help you with your financial service needs—including check cashing!
    You only need a couple of things to cash checks at Check Into Cash: your unendorsed check and your valid government-issued photo ID. It’s as easy as checking in to your cash!
    See All Check Cashing FAQs

    Money Transfer FAQs

    A money transfer is a method of payment that involves wiring funds between two different places to exchange cash. With a money transfer service done at Check Into Cash, you can send funds across your city, state, country, or even the globe at the same time you pay your bills.
    Yes, Check Into Cash offers money transfer services to help assist with your financial needs.
    Check Into Cash partners with Western Union® to provide money transfers to consumers like you.
    See All Money Transfer FAQs

    Gift Card FAQs

    Say Yes to instant cash with Check Into Cash Gift Card Exchange! Unlike online exchanges that keep you waiting, we put cold, hard cash in your hands right away—no delays, just results!
    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 would rather have cash
    • Each gift card amount depends on the balance remaining on your unused gift card, along with other factors, plus a fee. Visit a store or give us a quick call for more details.
    See All Gift Card FAQs

    Bill Pay FAQs

    Pay all your bills in one place with our secure Bill Pay Services! Save time, skip the hassle, and enjoy peace of mind knowing your payments are processed safely and on time. Simplify your life today.
    All you need is your original bill, the amount you would like to pay, and any fee that is charged by the biller for this service, simple as that. Bring your bill with the account number, and we’ll handle the rest, ensuring your payments are made quickly and securely.
    Using our Bill Pay Services, you can pay your monthly service providers like TV, Internet and Cable, Credit Card providers, Utilities, Insurance, Store Credit Cards, and all sorts of other service providers.
    See All Bill Pay FAQs

    Money Order FAQs

    Yes, money orders are available for purchase at any location. Visit a store or give us a quick call for more details.
    We cash all sorts of checks and money orders, including those from the USPS.
    For purchases over $1,000, a valid government-issued photo ID is required. Some stores may have lower thresholds, with additional information required. Please ask a store associate for details.
    See All Money Order FAQs

    Refinance FAQs

    On the due date of your refinance, the interest on your renewed loan and any remaining principal will be due.

    You can be denied if you’ve reached your state’s maximum refinance limit. If you can’t get approved for a refinance, feel free to call us at 877-577-7977. We’re ready to work with you.

    In Texas, there is no limit to the amount of times you can refinance. You can refinance your loan up to five times without having to pay down any principal on your original loan. After your fifth refinance, you must pay $50 down or 10% of your original loan amount – whichever is greater.

    See All Refinance FAQs

    General FAQs

    You may be eligible for a repayment plan, depending on your state. We have options like an Extended Payment Plan (EPP), Variable Payment Plan (VPP), courtesy move, and refinance. Please call or visit your local store for details on all available repayment options. Please remember that if you cannot repay your loan in full on its due date, you should contact us one banking day before your loan is due.

    High APRs are due to the short-term nature of payday loans. Each loan offered by Check Into Cash is required by law to have the fees and/or interest on the loan expressed on the contract as an Annual Percentage Rate, this illustrates how the interest and fees for the amount borrowed are compared to what the cost would be for a one-year period.

    Once logged in, you will be able to view your current and past (up 12 months) account statements. If you would like to receive a copy of statements that are older than 12 months, please contact us at 877-262-2274.

    See All General FAQs