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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What are paperless statements?
Paperless statements enable you to receive your account statements electronically in lieu of paper statement which is provided via traditional mail. An email notification will be sent to you each month when your statement is available to view online.
How do I dispute account information that is on my credit report?
To begin your credit report dispute, please contact our Credit Dispute Resolution Group in writing at P.O. Box 728, Cleveland, Tennessee 37364-0728.
Include all or as many of the following items when you write to us:
- Full 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, include payment records, cancelled checks, court documents, police reports, or an FTC Identity Theft Report showing that an account was the result of identity theft, or bankruptcy schedules showing that an account was included in or discharged in bankruptcy (if available)
NOTE: Only include copies of the documents mentions above. Do not send original documentation. We cannot return any copies from your mailed request. Also, please provide as much information as you can. If we do not receive sufficient information, we cannot investigate your claim.
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. Please do not include this check 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.
What is a bank routing number?
Your 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.
Is it safe to enter my account number or social security number on your website?
Yes. We go above and beyond to make our website completely secure. Each application and personal information is submitted through secure, encrypted webpages.
Does it cost anything to apply?
No. There is no application fee to apply for any of our loans.
Are there minimum income requirements?
Yes. Some state laws, along with our underwriting guidelines, require a minimum monthly income. You must have a steady source of income in order to receive a Check Into Cash loan.
Do you have to call my employer?
Yes. We often 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.
Can I still get a loan if I have bad credit?
Yes. Even if you’ve had bad credit in the past, or still have less-than-perfect credit, you may still be eligible for a loan from Check Into Cash. If you meet our basic eligibility and underwriting requirements, you could still receive the quick money you need, so don’t hesitate to apply.