When bills are closing in, call for reinforcements with a cash boost from Check Into Cash. We’ve got the funds you need to stay on budget Independence Day weekend. Don’t stress — apply today!
Returning customer? Log into your existing account here.
Online or at our stores, Check Into Cash makes it fast and easy for you to get the cash you need now.
Apply Online
The process is quick, easy and confidential® - it only takes a few minutes.
Electronically sign
If you’re pre-approved, e-sign your application to confirm your funds.
Get your cash!
Cash is deposited into your bank account as quickly as the next business day!
Payday advances are a safe and convenient way to allow you to stretch your buying power and help cover unplanned expenses. Whether you’re facing seasonal expenses such as holiday bills and back to school costs, or you need help with unexpected expenses, Check Into Cash can help.
Check out our Rates & Terms and FAQs pages to learn more.
Absolutely.
Check Into Cash offers fast cash advance payday loans through our simple online application. Our application is safe, secure and encrypted.
We currently offer Payday Advances or Online Payday Loans in Alabama, Alaska, California, Delaware, Hawaii, Idaho, Indiana, Kansas, Louisiana, Mississippi, Missouri, Nevada, Ohio, Oklahoma, Oregon, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming.
No! There is no application fee.
It’s a short term, small dollar loan that gives you some extra cash before payday. The amount is usually between $100 – $1,000, depending on income level and state law limitation.
It’s easy! To be approved for a payday advance, you only need:
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. If you’ve had bad credit in the past, you may still be able to get the money you need from Check Into Cash, so don’t hesitate to apply.
Check Into Cash does not check the three major credit bureaus.
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@loanbyphone.com.
What if I don’t have any family to list as a reference?
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 for more details.
The loan amount and fee are withdrawn from your checking account automatically on the due date.
Yes. All of our application information is submitted on secure, encrypted pages.
Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Indiana, Kansas, Mississippi, Missouri, Nevada, Ohio, 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.
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.
Customer Notice: A single payday loan or cash advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday loans and cash advances are not recommended as long-term financial solutions. To view a list of the states we service online, please visit our license and fees page. For our privacy policy, please visit our privacy policy page. Notice to TX customers: In Texas, Check Into Cash operates as a Licensed Credit Access Business (CAB). The actual Lender is an unaffiliated third party. Notice to CA customers: Check Into Cash is licensed by the Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. Notice to OH customers: In Ohio, Check Into Cash operates as a registered credit services organization (CSO). The actual lender is an unaffiliated third party. CS.900185.000. In Ohio, Loan By Phone operates as a registered Credit Services Organization (CSO). The actual lender is an unaffiliated third party. CS 900138.000. Notice to UT customers: For questions or complaints please call the Utah Department of Financial Institutions at 801-538-8830. Notice to LA 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.
