How Payday Loans Work

An increasing number of consumers choose a payday loan to cover unexpected expenses or bridge a short-term cash crunch between paydays without incurring revolving debt.

How Our Loans Work

Step1:Apply OnlineComplete
our online application. It’s quick, easy, and confidential®.
Step2: Electronically Sign If you’re
pre-approved, e-sign your application to confirm your funds.
Step3: Get Cash Cash
deposited to your bank account as quickly as the next business day.
Step4: Repay Loan The
original loan amount and the fees will be debited from your bank
account.

Note:

*In some circumstances we may have additional
requirements to complete your loan application. Some states require us
to collect certain documents, such as pay stubs, bank statements, social
security cards, etc. Requirements vary by state.

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How to get a Payday Advance online?

  • Start by completing our online application.
    It is quick and only takes a few minutes.
  • Within 60 seconds or less you will know the results of your
    application submission.
  • As part of the underwriting process, a customer service
    representative will attempt to contact you at the number you provided on
    your application to verify your information in order to complete your
    loan request.
  • lf your loan request is approved, your funds will be directly
    deposited into your active checking account within 24 hours or the next
    business day*.

It is that easy! *The funding process typically occurs within 24
hours or the next business day after receiving a loan approval. Loan
requests processed before 7:00PM EST during non-holiday business days are
usually funded the next business day. For example, a customer who’s loan
request is received Monday before 7:00PM EST that is verified and approved
by Check Into Cash, will typically receive the loan proceeds on Tuesday
(if Tuesday is not a holiday).

Do I Need to Send in Additional Documentation?

Lending
requirements vary by state. Some states require additional documentation,
such as a bank statement, pay stub, social security card or state issued
photo identification. A detailed description of terms by state can be
found on our Rates & Terms page.

What will you need to get started on your online loan
application?

  • Your social security number
  • Your government issued driver’s license or photo ID
  • Your checking account number
  • Your bank’s routing number – This is a nine digit number located at
    the bottom of your check. For Credit Union checking accounts, please call
    your Credit Union and ask them for your ACH checking account number. Some
    Credit Unions either add additional zeros to the front of the checking
    account number or to the back. Having the correct number will obviously
    speed the funding process up!
  • Be at least 18 years of age (19 years of age in Alabama)
  • Proof of Income – Most recent pay stub or other proof of income

Step1:ApplyWrite a
personal check for the cash advance amount plus the fee.
Step2: Sign We hold
your check until your next payday.
Step3: Get Cash Walk out
the door with your fast cash instantly.
Step4: Repay Loan On your
next payday, repay advance plus fee.

Apply Now

How to get a Payday Advance from one of our retail
centers?

Getting a payday advance has never been easier. Even if
you’ve had credit challenges or bad credit in the past. To receive your
payday advance in one of over 1,000 centers nationwide, you’ll simply:

  • Write a personal check for the amount you want to borrow, plus the
    fee or provide your checking account information to pay by debit.
  • Have a government issued driver’s license or photo ID
  • Bring your most recent checking account statement
  • Bring Proof Of Income – Most recent pay stub or other proof of
    income
  • *Oklahoma and Indiana residents must bring proof of a Social Security
    Number

Check Into Cash will hold that check until
your next due date. At that time, you can come in and pay off the payday
advance in person. You get the money you need, and no credit check is
required.**

**Check Into Cash Advance Centers do not use
traditional credit reporting agencies when reviewing applications. We use
non-traditional, unique, credit underwriting guidelines. So even if you
have bad credit or have had a bankruptcy, we still may be able to help
you. Come into one of our convenient cash advance stores to
apply.
If for any reason you change your mind about your payday
loan or cash advance, you typically have up until the close of business
the following business day to rescind your payday loan transaction by
returning the cash in full, at absolutely no additional cost to you. So
the next time an unplanned expense comes up, remember, a payday advance
from a trusted lender like Check Into Cash can give you the cash you need.
It’s as easy as one, two, three…and it’s QUICK, EASY & CONFIDENTIAL®.

Step1:ApplyBring
your vehicle and a clear title of your vehicle.
Step2: Sign Get the
cash you need and keep your vehicle
Step3: Repay Loan Repay loan
according to payment schedule.

What’s My Car Worth?

Title Loan and Title Pawn States

Check Into Cash offers title
loans or title pawns in the following states, and plan to add more
states in the coming months. In Texas and Ohio, Check Into Cash is not
the actual lender.

Step1:Apply OnlineComplete our online application. It’s quick, easy, and confidential®.
Step2: Electronically Sign If you’re pre-approved, e-sign your application to confirm your funds.
Step3: Get Cash Cash will be deposited into your bank account as quickly as the next business day.
Step4: Repay Loan The original loan amount plus the fees will be debited from your bank account according to your payment schedule.

Apply Now

Installment Loan States

Check Into Cash offers installment loans in the following states, and plan to add more states in the coming months.

The Annual Percentage Rate (APR) for payday loans varies in each state and depends on the advance amount, fees, and terms of the transaction. The APR for a $100 single-payment payday loan may range from 260.71% to 782.14% on 14 day terms. 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.