Get Pre-Qualified Today!

Get Pre-Qualified Today!

Click the pre-qualify button to see what you qualify for without the hassle.

Filling out a traditional application can be time consuming and more complicated than our shorter pre-qualification form. You don’t even have to make an account! It’s a shorter, simpler, easier, and a free way to start your application process! See how much you qualify for today.

Get Pre-Qualified

What Do We Offer?

Our online services, including both short-term payday and longer-term installment loans, are designed to meet your unique financial needs. Each service is a quick, easy, and confidential way to access the funds you need fast.

Who are we?

  • Check Into Cash has been in business since 1993, providing affordable, short-term loans. You can trust that no matter when you find yourself in a bind, we will be here to help you out.
  • Our longevity is a testament to our best practices and our loyal customers.
  • We operate in 23 states, and our practices are licensed or regulated in each one, based on state requirements.

What do we do?

Check Into Cash is a trusted and established lender in the finance industry. We offer a variety of convenient lending options to help you get the emergency cash you need as quickly as possible. We know life can throw your budget off track. We’ve all faced unexpected expenses and financial tight spots. So if you need a solution that’s quick, easy, and confidential, apply today!

Why trust us?

  • Our devoted customers awarded us a 5-star rating from Trustpilot.com
  • We are a founding member of the Community Financial Services Association of America (CFSA), the trade organization for payday advance best practices.
  • We proudly hold an accreditation from the Better Business Bureau.

What is a Payday Loan?

A payday loan is a small dollar, short-term advance. Payday loan amounts range from $50 to $1,000 depending on your state of residence. In exchange for the cash, Check Into Cash charges a small fee. This fee, along with the original amount borrowed, is typically due on your next day of pay.

If you have questions about how much you may qualify for, or how to apply, we are just a click away. Feel free to chat, email, or call us with any questions!

Our customers have trusted us to come through for them during financial distress, since 1993.

I applied for my loan online and was quickly approved for the cash I needed. I had to call and speak with a company representative before the loan was finalized; the rep was both courteous and knowledgeable and my loan was quickly approved.

May B.

Grenada, MS

Whenever I've had to call them, they are courteous and knowledgeable. They send me emails to alert me of draft coming out of checking and on the proper day it comes out so I'm not getting into mixups with my bank.

Corrine C.

Richland, WA

Great service. I needed a loan quickly. I was able to apply online and was approved within minutes. Refinancing was a breeze as well. I've used this service twice and will continue to do so in the future.

Cassandra W.

Westerville, OH

Rates & Terms

As a direct lender, Check Into Cash does not sell your information to any third parties or involve any extra steps with the lending process.

Max Loan Amount:

Amount Annual Percentage Rate Finance Charge Total

How It Works

  • Apply Online
    Complete our online application. It’s quick, easy, and confidential®.
  • Electronically Sign
    If You’re Pre-Approved, E-Sign your Application To Confirm Funds.
  • Get Your Cash
    Cash Deposited To Your Bank Account As Quickly As Next Business Day.
  • Repay Your Loan
    The Original Amount & The Fees Will Be Debited From Your Bank Account.
  • *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.

  • Apply Online
    Complete our online application. It’s quick, easy, and confidential®.
  • Electronically Sign
    If You’re Pre-Approved, E-Sign your Application To Confirm Funds.
  • Get Your Cash
    Cash Deposited To Your Bank Account As Quickly As Next Business Day.
  • Repay Your Loan
    The Original Amount & The Fees Will Be Debited From Your Bank Account.
  • *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.

    Frequently Asked Questions

    Does Check Into Cash offer payday loans online?
    Does it cost anything to apply?
    What is an online cash advance or payday loan?

    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.

    How can I find out if I qualify for an online cash advance or payday loan?
    How much can I get?
    How do I get the money?
    What if I don't have a checking account?
    Is it safe to enter my account number or social security number on your website?
    Can I still get a loan if I have bad credit?
    How long does it take to get an online payday loan?
    Do I need a fax machine or printer?
    How much does it cost?
    How and when do I repay the loan transaction?
    What states are you licensed for online payday loans in?
    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?
    When will I get the money?
    What hours is the service available?
    What is a bank routing number?
    How do I find my bank account number?
    How will I know if I’m approved?
    Is my cash advance or payday loan transaction confidential?
    Can I pay my loan early?
    How do I dispute account information that is on my credit report??

    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 Rates and Terms page. For our privacy policy, please visit our privacy policy page. 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.Ohio in-store license. Notice to UT customers: For questions or complaints please call the Utah Department of Financial Institutions at 801-538-8830 (UT customers only). 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 (LA customers only). TX customers: In Texas, Check Into Cash operates as a Licensed Credit Access Business (CAB). The actual Lender is an unaffiliated third party. Notice: An advance of money obtained through a Small Loan or Auto Loan is not intended to meet long-term financial needs. A Small Loan or Auto Title Loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges. VA customers: CREDITCORP OF VIRGINIA IS LICENSED BY THE STATE CORPORATION COMMISSION. VA LICENSE # VTL-10.