Check Into Cash Review

Check Into Cash is a direct lender that offers short-term loans. Their products include installment loans, payday loans, title loans, and lines of credit. They have been in business since 1993. They offer payday loans in 22 states and installment or lines of credit in four. Their products are available to people of all credit types. They are state-licensed and a solid choice if you need a short term loan not dependent on credit history.

Product

Check into Cash offers payday loans, installment loans, and title loans. Payday loans are due on your next paycheck. Installment loans are due over several pay periods. Both of these loans are unsecured. Title loans require your car's title as collateral. Title loans are not done online and require visiting a store

Loan sizes vary by product:

• Payday loans -- $100 to $1,000
• Installment loans -- $300 to $1,500
• Title loans -- $1,000 to $25,000

Application and Funding

To apply for a Check Into Cash loan you will need to,

• A verifiable source of income
• 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

Title loans have additional requirements and are not done online. They require your vehicle, title, government-issued ID, proof of residency, and income. You will need to visit a store.

Once you apply, as part of the underwriting process Check Into Cash will call you at the number on the application to verify your application so make sure you are available to speed the process along. Sometimes, they may call your employer to verify employment. They will not ask any personal questions but simply verify that you work there.

You will receive funds within 1-2 business days directly into your checking account. To apply you must provide your routing number and bank account so they can fund your loan. Your bank's routing number is the nine-digit number located at the bottom of your check. If you are unsure you can call your bank or credit union and they can give it to you (sometimes it will even be listed on their websites if you login into your account). You can also pick up your money at a store but make sure you state this in your application.

Check Into Cash

Check Into Cash specializes in lending to people with less than perfect credit. Unlike banks they do not use traditional credit reporting agencies when reviewing applications so if you’ve had bad credit in the past, you may still be able to get the money you need from Check Into Cash. For example, they focus on direct deposits into your checking account and immediate access to these funds on your payday. This is why they need your bank routing number. The majority of their underwriting is trying to verify that you are who you are so they know the pay stubs and bank account information you provide is real. This means that even if you have bad credit or have had a bankruptcy, Check Into Cash can still make you a loan but remember short-term loans are relatively expensive and should only be used as an emergency short term cash.

Check Into Cash also has physical storefronts. This means you can start your application online and pick up your cash at the store. This is a neat service for users who live near a Cash Into Check store.

Check Into Cash is a state licensed lender. We think they are a solid choice for short-term emergency cash.