FAQS & POLICIES

We know payday loans and cash advances can get confusing. Our goal is to make this process as quick and painless as possible. Below are some of our most commonly asked questions and policies.

Online Payday Loans FAQs

QDoes Check Into Cash offer payday loans online?

AAbsolutely. 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 payday loans online in Alabama, California, Delaware, Idaho, Indiana, Kansas, Louisiana, Mississippi, Missouri, Nevada, Ohio, Oklahoma, Oregon, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming.

QDoes it cost anything to apply?

ANo! There is no application fee.

QWhat is an online cash advance or payday loan?

AIt’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.

QHow can I find out if I qualify for an online cash advance payday loan?

AIt’s easy! To be approved for a payday advance, you only need:

  • Have an active checking account open for at least 90 days
  • Be at least 21 years of age (19 years of age in Alabama)
  • Be a citizen or permanent resident of the United States
  • Have a current home/cell and work phone number
  • Have a valid email address

*Indiana residents must provide proof of a Social Security Number

QHow much can I get?

AYou 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.

QHow do I get the money?

AOnce your cash advance is approved, the money is electronically deposited directly into your active checking account.

QWhat if I don’t have a checking account?

ACurrently, Check Into Cash requires an active checking account in order to provide you with a payday loan.

QIs it safe to enter my account number or social security number on your website?

AYes. All of our application information is submitted on secure, encrypted pages.

QCan I still get a loan if I have bad credit?

AYes. 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.

QDo you check my credit score?

ACheck Into Cash does not check the three major credit bureaus.

QHow long does it take to get an online payday loan?

AIt 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.

QDo I need a fax machine or printer?

AIn 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.

QWhat if I don’t have any family to list as a reference?

AList another friend instead.

QHow much does it cost?

AThe 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 page for more details.

QHow and when do I repay the loan transaction?

AThe loan amount and fee are withdrawn from your checking account automatically on the due date.

QWhat states are you licensed for online payday loan business?

AAlabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Kansas, Louisiana, Mississippi, Missouri, Nevada, Ohio, Oklahoma, Oregon, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming.

QDo you have to call my employer?

AYes, 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.

QHow long does it take to get a loan approved?

AIn most cases, you will know within 30 seconds if your loan request is pre-approved by Check Into Cash.

QWhen will I get the money?

AIn most cases within 1-2 business days.

QWhat hours is the service available?

AWe 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).

QWhat is a bank routing number?

AThe 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.

QHow do I find my bank account number?

AYour 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.

QHow will I know if I’m approved?

AYou will receive a pre-approval notice on the website. A customer service representative will call you shortly thereafter.

QCan I pick up the money at one of your stores?

AYou 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.

QIs my cash advance or payday loan transaction confidential?

AYes, but certain restrictions may apply. Please see our Privacy Policy for more information.

QCan I pay my loan early?

AYes, 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.