By: Kurtis | Last updated April 18, 2019 
Although we are all aware of the importance of saving up money for dark days and unexpected situations, few of us have the possibilities or will to actually do it. So when something unpredicted hits us, most of us are caught off guard. That’s where payday loans, or cash advances, as they are also called, come in.
Payday loans are small, short-term and unsecured loans we take from certified lenders. Their biggest advantage is the fact that we can obtain the money almost instantly and we pay them back out of our next paycheck, usually within approximately 2 weeks. It is as easy as that: no long waiting periods to get approval, no lengthy contracts, no monthly rates and so on.
Payday loans do have their downsides though: the lenders usually charge high fees that you have to pay back along with the money you borrow and you can’t be late with your payment, otherwise it will cost you even more. Another downside is the fact that through payday loans you cannot borrow large amounts of money. The limit is somewhere around $1000, depending on your state of residence.
Check Into Cash Overview
Check Into Cash is one of the most popular direct lenders in the United States. It works in more than 30 states and it has been in business since 1993. The company is based in Tennessee and offers several financial services: title loans, payday loans, installment loans, check cashing and a few more.
See our recommendations for best payday loan providers.
Features included with their payday loan service
Check Into Cash offers payday loans in approximately 30 states in the United States. Applicants must be employed and have at least 21 years or 19, in the state of Alabama.
With Check Into Cash you can borrow from $50 and $1,000, depending on the state of residence.
Check Into Cash’s fees range from $15 to $79, depending on the amount you borrow. Translated into annual percentage rates you would get from 260% to 780% interest rate.
Check Into Cash allows you to apply for a payday loan online or by visiting one of their hundreds of offices located all over the country.
If you apply in person, you can get your money instantly. If you apply online, you have to wait for approximately 24 hours to get funded, after your request has been approved.
The online process is straightforward and quick. It takes approximately 5 minutes to complete and in less than a minute you can find out whether your application has been approved or not.
The online form you have to fill in contains information such as:
- your full name
- your address
- a phone number for one of their customer reps to contact you
- your Social Security Number
- your government issued driver’s license or photo ID
- your checking account number
- your bank’s routing number
- a proof of your income (for instance your most recent pay stub)
If your request is approved, you will be contacted via phone by one of their reps and the money will be deposited to your bank account the next business day.
The original loan has to be paid back along with the fee charged by Check Into Cash, from your next paycheck. The money will be debited from your bank account.
Check Into Cash is a reputable and trust-worthy payday loan provider. The company is transparent about its fees, all the terms and conditions are clearly explained to customers on the website and the process of applying for a loan is really simple and quick. Check Into Cash operates in more than 30 states, which makes it a competitive lender.
