Your browser does not support JavaScript! Thank you for visiting www.checkintocash.com. For information about our products and services, including assistance with processing an application for credit, please call 877-276-9958 toll-free. Skip to main content

Check Into Cash Blog

From tax tips to money-saving tricks, the Check Into Cash blog is your one stop for money talk. Here you’ll find ideas that you can use to save money, time, and energy. Check back for new content every week. If you like a post, be sure to share it with a friend! After all, everyone could use a little extra cash in their pocket.

Oklahoma City Man Wins $1,000

TumblrRedditBlogger PostWordPressDelicious

Kevin Shaw from Oklahoma City, OK, is the seventh winner of ONE THOUSAND DOLLARS in Check Into Cash’s 25th Anniversary Giveaway! 

Check Into Cash launched its 25th Anniversary Giveaway in June 2018, and is giving away a total of $25,000 in weekly $1,000 increments to 25 winners throughout the year.

check into cash $1000 winner Kevin Shaw from OKC

Check Into Cash $1000 winner Kevin Shaw from Oklahoma City, OK

The giveaway remains open to legal residents of Alabama, Alaska, Arizona, California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and Wyoming; 18 years or older, through December 1, 2018. To enter, and for rules and details, click here.

“We’re celebrating our 25th year for the rest of 2018 and giving our customers a chance to be a part of the celebration. What’s a better way to say thank you than with 25 $1,000 cash prizes?” said Check Into Cash President Steve Scoggins. “We are so proud to be able to say that we’ve been serving the community for this long, we can’t believe it’s been 25 years since Check Into Cash began, but we’re ready for 25 more.”

As a pioneer in the alternative and short-term financial services industry, Check Into Cash is the longest standing payday lender in the industry and currently operates almost 900 stores in 27 states across the country. Since the company’s inception in 1993, Check Into Cash has branched out to include a variety of financial services under their umbrella, earning the title in their slogan — Your One Stop Money Shop®.

Elizabethton, TN Man Wins $1,000

TumblrRedditBlogger PostWordPressDelicious

Nicholas Culler of  Elizabethton, Tennessee, is the sixth winner of ONE THOUSAND DOLLARS in Check Into Cash’s 25th Anniversary Giveaway! 

Check Into Cash launched its 25th Anniversary Giveaway in June 2018, and is giving away a total of $25,000 in weekly $1,000 increments to 25 winners throughout the year.

elizabethon tn check into cash winner

Check Into Cash $1000 winner Nicholas Culler of  Elizabethton, Tennessee

The giveaway remains open to legal residents of Alabama, Alaska, Arizona, California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and Wyoming; 18 years or older, through December 1, 2018. To enter, and for rules and details, click here.

“We’re celebrating our 25th year for the rest of 2018 and giving our customers a chance to be a part of the celebration. What’s a better way to say thank you than with 25 $1,000 cash prizes?” said Check Into Cash President Steve Scoggins. “We are so proud to be able to say that we’ve been serving the community for this long, we can’t believe it’s been 25 years since Check Into Cash began, but we’re ready for 25 more.”

As a pioneer in the alternative and short-term financial services industry, Check Into Cash is the longest standing payday lender in the industry and currently operates almost 900 stores in 27 states across the country. Since the company’s inception in 1993, Check Into Cash has branched out to include a variety of financial services under their umbrella, earning the title in their slogan — Your One Stop Money Shop®.

Local South Bend Resident Wins $1,000

TumblrRedditBlogger PostWordPressDelicious

Robert Richardson, Jr., of  South Bend, Indiana, is the fifth winner of ONE THOUSAND DOLLARS in Check Into Cash’s 25th Anniversary Giveaway!

Check Into Cash launched its 25th Anniversary Giveaway in June 2018, and is giving away a total of $25,000 in weekly $1,000 increments to 25 winners throughout the year.

The giveaway remains open to legal residents of Alabama, Alaska, Arizona, California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and Wyoming; 18 years or older, through December 1, 2018. To enter, and for rules and details, click here.

“We’re celebrating our 25th year for the rest of 2018 and giving our customers a chance to be a part of the celebration. What’s a better way to say thank you than with 25 $1,000 cash prizes?” said Check Into Cash President Steve Scoggins. “We are so proud to be able to say that we’ve been serving the community for this long, we can’t believe it’s been 25 years since Check Into Cash began, but we’re ready for 25 more.”

As a pioneer in the alternative and short-term financial services industry, Check Into Cash is the longest standing payday lender in the industry and currently operates almost 900 stores in 27 states across the country. Since the company’s inception in 1993, Check Into Cash has branched out to include a variety of financial services under their umbrella, earning the title in their slogan — Your One Stop Money Shop®.

Check Into Cash 25th Anniversary Giveaway

TumblrRedditBlogger PostWordPressDelicious

Check Into Cash launched their 25th Anniversary Giveaway to kick off the celebration for the company’s 25th year of business. They will be giving away a total of $25,000, in $1,000 increments, to 25 winners beginning in June. The giveaway will run through December 1, 2018.

As a pioneer in the alternative and short-term financial services industry, Check Into Cash is the longest standing payday lender in the industry. Since the company’s inception, Check Into Cash has branched out to include a variety of financial services under their umbrella, earning the title in their slogan — Your One Stop Money Shop®.
The 25th Anniversary Giveaway is a way for Check Into Cash to celebrate their accomplishments and milestones with their customers while also giving back to those who made the company’s achievements possible.

“We are so proud to be able to say that we’ve been serving the community for this long,” said Check Into Cash President Steve Scoggins. “We can’t believe it’s been 25 years since Check Into Cash began, but we’re ready for 25 more.”

Winner selection for the giveaway will begin on June 18th, 2018, at which point one winner will be chosen per week through December 1st, 2018. “25 winners, $25,000, 25 years” said Scoggins. “We’ll be celebrating our 25th year for the rest of 2018 and we’d love to give our customers a chance to be a part of the celebration. What’s a better way to say thank you than with 25 $1,000 cash prizes?”

For more information about Check Into Cash’s 25th Anniversary Giveaway, visit the entry page.

#CIC25Years

Check Into Cash is Celebrating its 25th Anniversary

TumblrRedditBlogger PostWordPressDelicious

Check Into Cash will begin celebrating in honor of the company’s 25th Anniversary this June. Employees and customers alike are invited to be part of the spirit of the anniversary as well. To truly showcase the company’s accomplishments and growth over the last quarter-century, they’ve built an educational campaign full of milestones and momentous occasions that have taken place within the company since its inception. Check Into Cash will also be running a celebratory giveaway that splits $25,000 between 25 lucky winners as a way to thank their customers and the communities that have been a part of the company’s achievements.

“Company pride is certainly going to be strong this summer,” said Check Into Cash President Steve Scoggins. “The company feels like one big family now more than ever. And we’ve been serving our communities and families for 25 years – that’s definitely worth celebrating.”

The celebration will mostly take place in June, the company’s birthday month, but the educational campaign and temporary re-skin of the website will remain in place until the end of the year to fully showcase company pride.

#CIC25Years

Holy Superheroes in Our Midst – The Batmobile Is Coming to Select Chattanooga and Cleveland, TN Check Into Cash Stores

TumblrRedditBlogger PostWordPressDelicious

The 1966 Batmobile has made its way from beneath stately Wayne Manor and will be visiting select Check Into Cash stores in the Cleveland and Chattanooga areas during April and May.

When was the last time you got to hang out with a true legend?

All friends and family, customers and staff, and lovers of Super Heroes and their wheels are cordially invited. Super Villains need not bother – we’re no Joker!

This is the 1960’s TV series model designed by the famed automotive Kar Kustomizer George Barris. It’s turned heads and set the bar for superhero cool for over 50 years. No other automobile can claim bubble canopies, rocket tubes, the Bat Beam, a Detect-A-Scope, and of course, the Bat Phone. There have been other iterations over the years, but none can touch this concept’s iconic Bat-presence or visual POW!
With its atomic batteries fully charged and jet turbine exhaust ablaze, the Batmobile will be swooping into these five Check Into Cash stores in April and May:

Wednesday – Saturday, April 4-7
4620 Hwy. 58
Chattanooga, TN 37416
(423) 893-8866

Wednesday – Saturday, April 11-14
Village Green Town Center
201 Keith St.
Cleveland, TN 37311
(423) 479-2000

Wednesday – Saturday, April 18-21
6101 Ringgold Rd.
East Ridge, TN 37412
(423) 499-5900

Wednesday – Saturday, April 25-28
Across from Walgreens – Dalton Pike
2398 McGrady Dr. SE
Cleveland, TN 37323
(423) 479-2166

Wednesday – Saturday, May 2-5
St. Elmo
3800 Tennessee Ave.
Chattanooga, TN 37409
(423) 822-9803

Don’t miss your chance to spend time with a Bat-legend! Bring the kids and family, get a professionally taken souvenir Bat-photo, and maybe even catch a glimpse of Batman and Robin, provided they’re not off fighting crime somewhere.
But do be there – opportunities like these are scarcer than Caped Crusaders themselves.

The 1966 Batmobile

About The 1966 Batmobile

This Batmobile is on loan for this special tour. It’s owned by Check Into Cash’s Chairman and CEO, Allan Jones, and is part of the Creekridge Classic Car collection. Originally based on the 1955 Lincoln Futura concept car, the vehicle that would become the famed 1966 TV Batmobile was sold to legendary Hollywood auto Kustomizer George Barris for $1.00 in December 1965, and immediately became one of the stars of the series. In addition to Batman, the Penguin, Robin, the Riddler, King Tut, Alfred, Catwoman, and the Bookworm drove it during the show’s 120-episode run.

Check Into Cash’s Social Campaign Raises Awareness for America’s Number One Killer

TumblrRedditBlogger PostWordPressDelicious

Check Into Cash, a national leader in alternative financial services, launched its #LoveYourHeart campaign today. February is American Heart Month and Check Into Cash is proud to join the fight against cardiovascular diseases and stroke.

We encourage you to educate yourself about cardiovascular diseases. Heart Disease is the leading cause of death for both men and women, and knowledge is the key to prevention and getting treatment. This campaign, which will run throughout February, features the CheckIntoCash.com/LoveYourHeart educational webpage. This page contains helpful data, including information about understanding the risks, recognizing the signs, and lowering the threat of heart disease.

“We are proud to continue supporting the fight against heart diseases and stroke,” said Check Into Cash President Steve Scoggins. “Education is a vital part of prevention. The more we know and understand about our hearts, the better equipped we are to keep them healthy.”

The #LoveYourHeart campaign includes helpful links and resources about heart disease prevention and detection. Visitors are encouraged to share the resources on social media to help spread awareness. As part of the social media portion of the campaign, Check Into Cash is going to donate $0.10 per share on Facebook and another $0.10 per retweet on Twitter, up to $1,000 per platform.

“We encourage businesses and individuals alike to join us for National Wear Red Day® on Friday, February 2 to raise awareness about heart disease,” said Scoggins. “By raising awareness, we’re also supporting the fight to find a cure.”

For information about Heart Disease prevention and treatment visit CheckIntoCash.com/LoveYourHeart. #loveyourheart

Dan Gable Museum Receives $25,000 from Sale of George W. Bush Truck

TumblrRedditBlogger PostWordPressDelicious

The proceeds of an auction for the only known vehicle to have been signed twice by a U.S. president will now benefit an Iowa museum named after Dan Gable – the most dominant wrestler in history.

The highlight of the April 8th Barrett-Jackson auction in West Palm Beach turned out to be a white 2009 King Ranch F-150 4X4 pickup autographed twice by President George W. Bush and owned by Allan Jones, the founder and CEO of Check Into Cash. Jones is a longtime wrestling philanthropist both nationally and in Tennessee, where he resides.

The Barrett-Jackson event was broadcast nationwide on the Velocity channel and generated tremendous interest on social media.

The biggest news from the sale of the truck was that $25,000 of the proceeds would go to the National Wrestling Hall of Fame Dan Gable Museum in Waterloo that benefits youth wrestling for boys and girls.

Dan Gable posing
Dan Gable is the most dominant wrestler in history. The museum named in his honor will receive $25,000 thanks to the sale of a once owned by President George W. Bush. Gable is pictured here in front of a bronze statue sculpted in his likeness at the University of Iowa where he was the all-time winningest wrestling coach.

Gable weighed in on the significance of $25,000 going to the museum in his hometown that bears his name.

“Thanks to Janie and Allan Jones and the new purchaser, this money will help countless young boys and girls participating in many wrestling programs,” said Dan Gable. “It will also benefit the Dan Gable Museum’s expansion of its Teaching Center, Wrestling Room, Theater and Museum.”

Gable added:

“The $25,000 from this auction will benefit thousands of youth wrestlers in the next few years as well as the museum,” Gable added. “This is history.”

For Jones, the gift to the Gable museum needs no explanation.

“The work Dan Gable is doing with young boys and girls is important because the youth wrestlers develop a love for the sport and build a strong work ethic that will carry them through life,” said Jones. “Dan and his team also strive to teach the young athletes moral character and good sportsmanship. Winning starts at this level.”

Steve Scoggins, Check Into Cash president, noted that Gable is a wrestling legend whose name is famous all over the world – but especially in Iowa.

Gable had a high school and college record of 181-1 and as an Olympic competitor in the Munich Games of 1972, he brought home the Gold Medal and was undefeated and unscored upon. As a college wrestler at Iowa State University, he was a two-time NCAA champion/three-time finalist and as a coach brought Iowa 15 NCAA titles – nine in a row from 1978 to 1986 – and 21 straight Big Ten conference titles, not to mention Coach of the Year three times.

“It is the pleasure of Check Into Cash to honor this legend and help continue the fine work that he does,” said Scoggins. “Dan Gable is a man who stands in a class of his own and we respect that. He is a great American.”

Dan Gable has been a longtime friend to Check Into Cash Founder Allan Jones and his family.
Dan Gable has been a longtime friend to Check Into Cash Founder Allan Jones and his family. Jones is a longtime wrestling philanthropist both nationally and in Tennessee. Gable is pictured here in 2007 with Will Jones and Bailey Jones.

Prior to the auction in April, the Bush truck was purchased by Jones in 2013 at that year’s Palm Beach Barrett Jackson event. Before selling the truck, Bush kept it at his Prairie Chapel Ranch in Crawford, TX after he left the White House in 2009. It still has the original license plates.

“We originally bought the President’s truck to benefit the National Guard Youth Foundation and always intended to resell it for charity,” said Jones. “I never imagined the F-150 would become such a collectible because the President autographed it not just once – but twice!”

Jones explained that after he purchased the truck in 2013, the Bush signature was accidentally washed off during routine maintenance. When he realized what had happened, Jones asked the President if he would sign it again so that truck could be resold for charity.

Along with the $25,000 to the Gable Museum, the remaining money raised from the auction – $65,000 – was designated for the Higher Calling Youth Wrestling Club in Cleveland, TN (the hometown of Jones). Higher Calling is a wrestling program that gives young wrestlers of all skill levels, grades K through 5, a chance to learn the essentials of practice and competition.

Check Into Cash Launches Love Your Heart Campaign 
for American Heart Month

TumblrRedditBlogger PostWordPressDelicious

Check Into Cash Launches Love Your Heart Campaign 
for American Heart Month

Check Into Cash’s Social Campaign Raises Awareness of America’s Number One Killer

CLEVELAND, TN, February 1, 2017: Check Into Cash, a national leader in alternative financial services, launched its #LoveYourHeart campaign today. February is American Heart Month and Check Into Cash is proud to join the fight against cardiovascular diseases and stroke.

We encourage you to educate yourself about cardiovascular diseases. Heart Disease is the leading cause of death for both men and women, and knowledge is the key to prevention and getting treatment. This campaign, which will run throughout February, features the CheckIntoCash.com/LoveYourHeart educational webpage. This page contains vital data, including information about understanding the risks, recognizing the signs, and lowering the threat of heart disease.

“We are proud to support the fight against heart diseases and stroke,” said Check Into Cash President Steve Scoggins. “When we’re educated about heart disease, we can recognize the signs and limit the risks.”

The #LoveYourHeart campaign includes helpful links and resources about heart disease prevention and detection. Visitors are encouraged to share the resources on social media to help spread awareness.

“We encourage businesses and individuals alike to join us for National Wear Red Day® on Friday, February 3 to raise awareness about heart disease,” said Scoggins. “It is through education that we can move closer to prevention and a cure.”

To learn more about Check Into Cash visit CheckIntoCash.com. For information about Heart Disease prevention and treatment visit CheckIntoCash.com/LoveYourHeart. #loveyourheart

About Check Into Cash

Founded in Cleveland, Tennessee in 1993 by entrepreneur and philanthropist Allan Jones, the Check Into Cash brand is a state licensed and regulated small balance lender. Check Into Cash stores offer check cashing, Western Union® money transfers, prepaid U.S. Money Cards, and other convenient services as a complete one stop money shop.

Check Into Cash is a founding member of the Community Financial Services Association of America (CFSA), the trade association representing the nation’s payday lenders. The CFSA advocates for best practices and helps enact legislation that balances the needs of the consumer with the interests of the industry.

As a national leader and industry standard bearer, Check Into Cash firmly believes in truthful advertising and full disclosure of its services.

©2017 Check Into Cash, Inc. All Rights Reserved.

Hard Money Loans: A Good Alternative

TumblrRedditBlogger PostWordPressDelicious

When financing through a bank is not an option, hard money loans are a good alternative. Considering a hard money loan is a multi-tiered process. And like with all kinds of loans, there are requirements and risks to know about before considering getting started with one. Since hard money loans are a little different from traditional bank or credit union loans, it’s important to know the key discrepancies in order to make the wisest decision for your loan.

What exactly is a hard money loan?

Hard money loans are privately-funded loans secured by real estate. Contrary to loans provided by conventional lenders, hard money loan amounts are based on the value of the subject property. The term usually lasts about 12 months, but can be extended for a couple of years, with required monthly interest payments. Since hard money loans are primarily concerned with the property’s value, borrowers can still have a chance of being approved despite a foreclosure or short sale if they have sufficient equity in their collateral property.

Who should consider hard money loans?

Real estate developers and house flippers usually use hard money loans when they plan on renovating a property and reselling it for profit. An investor who’s been rejected a loan by a bank, whether because of insufficient income history, foreclosures, credit issues or other concerns will opt for a hard money loan, which brings us to the next question.

What are the requirements for hard money loans?

Almost any type of property can suffice to receive a hard money loan, including multi or single-family residential’s, land, industrial and commercial.  Credit score isn’t much of a concern for the lenders,  so long as the buyer has the capital to pay off the interest.

Lenders focus on the “after repair value,” or ARV, when considering whether to make the loan. This is an estimate of what the property’s value will be after it’s been renovated or repaired.

What are the risks in hard money loans?

With every loan there comes a risk. Since hard money lenders actually take on more risk than conventional lenders, there is also more risk on the buyer’s side. Interest rate is one of these, with the average rates rating from 12 – 18% depending on the lender and region, roughly 10% higher than conventional loans. Since hard money loans are so convenient, their origination and loan-servicing fees, along with closing costs are likely to be higher as well. Hard money loans also feature much shorter repayment periods, which is why it’s important to make an accurate estimate for how long it’ll take the property to become profitable.

What are the benefits in using hard money loans?

Hard money loans are sometimes referred to as “last-resort” loans. This is because they almost completely eliminate the massive time consumption that comes with applying for a regular mortgage. Contrary to conventional loans, which can take months to close on and puts investors at risk, hard money loans can be funded within a week and the application process generally takes a day or two. This is especially convenient for investors who are trying to acquire a property with several competing bids. Hard money loans are also more flexible than conventional ones. Since they’re provided by private lenders, borrowers can often tailor the terms to their needs, such as the repayment schedule and other fees.

The last word

If you’re a real estate investor who’s trying to get a seller’s attention and set their offer apart on a property with many competing bids, hard money is the way to go. By making sure you have the equity to pay the interest rates, making an accurate estimate of your property’s ARV and working with a reputable hard money lender, you’ll be fully equipped to fund your real estate deals with a hard money loan.

Page 1 of 11

For rates and terms in your state of residence, please visit our Rates and Terms page. 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.