Check Into Cash is a licensed payday lender that specializes in emergency funding for bad credit. They offer payday loans starting at $50 in-store and up to $1,500 in some states. They also offer installment loans up to $5,000 and title loans up to $25,000 so they are a one stop shop for all your financial needs.

Pros and Cons

Pros

1. Secure Application. The application is secure so your personal and financial info is safe.

2. Flexibility. You can use the funds for anything you need.

3. Fast Funding. You can get your funds the same day if you apply in-store.

Cons

1. State Varying Loan Amounts. The maximum loan amount you can borrow varies by state so you may not be able to borrow as much as you need.

2. Not Available in All States. Check Into Cash loans are not available in all states so some borrowers may not have access.

3. High Interest Rates. The loans have high interest rates so you’ll pay more over time.

How to Apply for a Check Into Cash Loan?

1. Choose Your Application Method. You can apply online or in-store whichever is more convenient for you.

2. Fill Out The Application. Fill out the application and provide all personal and financial info.

3. Have Documents Ready. Make sure you have government-Issued ID, proof of income and bank account info.

4. Submit Application. After filling out the application and providing all docs, submit.

5. Wait For Approval. The review process is quick and you’ll be notified soon.

Conditions and Requirements

Conditions

1. Loan Amount. Check Into Cash offers payday loans from $50 to $1,500 depending on your location.

2. Interest Rate. The annual percentage rate (APR) on a Check Into Cash payday loan is around 400% or more so it’s very expensive to borrow.

3. Loan Term. The loan term varies by state so check the terms in your state.

Requirements

1. Age. You must be at least 21 or 19 (in Alabama) years old to apply.

2. Residency. You must be a resident of the state you are applying in.

3. Government-Issued ID. A valid ID such as a driver’s license or passport to verify your identity.

4. Proof Of Income. Pay stubs or bank statements to show your income.

5. Active Checking Account. You must have an active checking account where the loan funds can be deposited and from which payments can be withdrawn.

How to Choose a Lender

1. Verify Licensing. Make sure the lender is licensed in your state. Check with your state regulator or attorney general to verify this information. This is important to avoid illegal lenders and protect your consumer rights.

2. Check Membership In Reputable Associations. Look for lenders that are members of reputable associations like the Community Financial Services Association of America. Membership in these organizations means they are reliable and follow industry standards.

3. Review Terms And Conditions. Review all the terms and conditions of the loan contract. Read the fine print to understand the lender’s policies, fees and your obligations as a borrower.

4. Examine Interest Rates And Total Loan Cost. Examine the interest rates on the loan and make sure your contract has a breakdown of the total cost of the loan. This will help you understand the full financial impact of borrowing and compare offers from different lenders.

5. Understand Your Right Of Rescission. Take advantage of your right of rescission which is usually 3 days after signing the agreement. Or use the “cooling off” period to review the contract and make an informed decision before committing to the loan.

Check Into Cash. Apply Online