Check into Cash Review

COMPLETE REVIEW

Check into Cash has one of the most streamlined, stripped down websites we came across. There’s no complex background or unnecessary images. It’s a simple layout with a series of images over a white background. You might think that this simplicity might hinder the value of Check into Cash in the marketplace. On the contrary, it adds more value than anything else. Their competitors have a tendency to want to show off using the aesthetics on their websites. The result might be visually pleasing, but it’s wildly unnecessary.

Payday Loans

The only thing that’s confusing about payday loans with Check into Cash is the fact that they’re called “Payday Loans” in the menu that’s located in the upper right hand of the homepage and “Payday Advances” right below that section. Luckily, this is where the confusion ends. They have the same fast, secure, and easy tagline that’s present on many other payday lenders websites’. Their minimal starter application opens up to a larger, more in-depth form. The application as a whole seems very thorough and easy to fill out.

Title Loans

In the title loans section of Check into Cash’s website, you have to complete a small form that’s supposed to give you an idea of what your car is worth. Going through the application process for this loan is difficult because they fail to state in this section where this loan is offered. Now we realize that they can’t go out of their way to cover every possible piece of information associated with their products over and over again; however, some work has to be done to make sure that every customer understands what they’re getting and how to get it.

Check Cashing

Not everyone has the ability to go their credit union. The reasons why they prefer not to venture into their credit union’s nearby location are plentiful. Some people refuse to sign up for a bank or credit union account of any kind. That’s where the check cashing services from Check into Cash come in handy. After all, check cashing is included in the name of the business. They accept several different types of checks and allow you to walk out the door with the cash you desperately need.

Bill Pay

Managing expenses is an undertaking that’s almost too daunting for many of us to handle. Check into Cash helps you submit payment for your cell phone, credit cards, gas, home phone, power, and water. And these are just the bills they list on their website. All you need to pay your other bills is bring in the original bill and the cash that’s needed to pay it. At the end of this process, you have the option to get a receipt, which is handy should you need to prove that the bills in question were paid. The best part about this service is that it allows you to avoid late fees or service charges.

Rates and Terms

Check into Cash doesn't make determining the rates and terms of their services easy. The page that’s titled “Rates and Terms” is the most disorganized of any on their website. At the top of this page, they have a form that asks you to pick your state. This form seems to be broken. It has the top part of a couple of states and that’s it. You can’t click on anything to pick your state either. The rest of this page seems to have problems with alignment and spacing, which creates a disastrous overall appearance.

Application Process

While the application page for Check into Cash is all included within one area and the steps are clearly indicated, it would still be beneficial for them to combine everything into one section. The resulting form might be long; however, it would allow for customers to enter in all their information without having to jump through a number of hoops. People like being able to enter all their data, click a button, and know where they stand without being faced with another page where they have to enter in additional information.

Security of Information

Companies that deal in personal information have to be aware of peoples concerns about their privacy. They need to have a clearly stated, easy to find privacy policy complete with an option to opt out of any information sharing activities. A lender works for the people whose personal information they're accepting, not the other way around. The weird part about Check into Cash is that they hide their privacy information deep within their FAQs and policy pages. There’s no mention of it being the privacy policy, which is odd considering that’s the language that countless other websites use, not just those associated with payday lenders.

About Check into Cash

For the past 23 years, Check into Cash has been on the cutting edge of providing their customers with short term financing. They’re also a founding member of the Community Financial Services Association of America. This organization works with legislatures and community representatives throughout the country on legislation that keeps the needs of industry professionals and the customers they serve in mind. Something has to be said about a company that’s able to zoom out from their individual interests to focus on those of the community. The level of dedication to this admirable and shows the lengths that they will go to maintain their lofty level of honesty.