Check Into Cash Loans Review

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Check Into Cash Loans is here when you need a bit of extra money in between paychecks. If you’re facing a hardship or just need some additional funds, the company can help you get money deposited into your account quickly. They have quick response times and flexible options.

Financial hardship strikes at any time. However, companies like Check Into Cash Loans do their best to get you the amount you need. With a decent choice of options, you’re sure to find one that works for you. Plus, the company works hard to ensure you can get approved even if you don’t have good credit.

We want to ensure that the lender you choose is a legitimate company. We’ve taken the time to review this company and see what they have to offer. Here’s what we’ve found;

Installment Loans

Installment loans provide amounts that are bigger than short-term personal loans or payday loans. The payments are also more spread out, which can help prevent you from missing a payment. Generally, you’ll have to pay either bi-weekly or monthly.

Aside from that, installment advances have no prepayment penalties. This is great for those who want to settle their debt without any consequences quickly.

Payday Loans

A payday loan is excellent for small emergencies. You can get a small fund amount and pay it back on your next paycheck. A payday loan is generally easy to apply for and doesn’t rely on credit.

Additionally, payday options only take a day or two for processing. This can help prevent you from missing a bill or other pressing deadlines. Lastly, with many physical locations nationwide, you can walk into a Check Into Cash Loans store and have funds in your hands within an hour.

Title Loans

Title loans are a good alternative if you don’t pass the income requirements. The loan works by you handing over the title to your vehicle. Of course, it has to be paid off, and your name has to be on the deed of the car. Your car’s worth will determine the loan amount. In some cases, you can get up to a $25,000 loan.

You can keep driving your car but are expected to make payments on the loan. If you miss even one payment, the company has the right to repossess the vehicle as their own. It will either be held until you pay off the loan or used as compensation.

Whats the Borrowing Process Like for Check Into Cash Loan?

Borrowing funds from Check Into Cash Loans is quick, effortless, and only takes a few minutes. You’ll need to pass specific requirements before you can get a loan. If these requirements aren’t met, then there’s a good chance your application will be automatically rejected. We will highlight the criteria in another section.

To get a loan, fill out an online application. The application requires some personal information as well as information regarding the amount and your proposed terms. Once you’ve filled it out and submitted, you’ll need to wait for the approval.

Once approved, you’ll need to eSign your signature into their proposed contract. The contract highlights the repayment schedule as well as any other fees or rates associated with the loan. Once you sign, you can expect the funds to be deposited into your bank account within 24 hours.

As soon as the funds are in your bank account, the repayment period begins. You’ll owe the original loan amount as well as some additional fees and interest. Make payments according to the contract you signed. If you have the funds, you can also pay back the loan in full without any percussions.

Is There a Maximum Amount You Can Borrow From Check Into Cash Loans?

The amount for Check Into Cash Loans varies depending on what type of loan you apply for. For installment loans, some states can have a maximum of $5,000 for funds. However, this will highly vary depending on what state you live in.

As for payday loans, you can expect to get anywhere from $50 to $1,000. Although, you will need to pay back the loan by your next paycheck. Lastly, title loans can get you up to $25,000 depending on your car’s make and model.

Each state has their own minimum and maximum loan amount laws. Plus, the amount you qualify for may be different from the maximum amount. Factors that determine your loan amount can be your credit, monthly income, and your car’s condition.

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Borrower requirements
  • Age 18years or older
  • Have regular income
  • US citizen or permanent resident
  • Have a valid bank account
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  • Bank account
  • Credit or Debit card
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What Are the Associated Rates and Fees?

Unfortunately, Check Into Cash Loans does have associated fees along with high-interest rates. Their fees range anywhere from $15 to $79, depending on how much you borrow. As for the interest rates, they set their APR rates that start at 261% and go as high as 782%.

Anything over 300% is asking way too much. You can easily find other lenders that have lower rates. If you can get an estimate, always check the APR rate to see how much the total loan will be.

What Happens for Non-Payment or If I Miss a Payment?

Funds that are not paid back throughout the loan means late payments. Nonpayment can add up extra fees on your bill. The amount that they charge is a $37 late fee. This fee changes on what loan you have.

This means if you go into nonpayment, you may have extra charges from your bank account. If you don’t pay at all, your title will be held. You are responsible for paying back on time each month.

If you believe that you may be in an issue that affects the repayment schedule, then we highly suggest burning it up to the company. This way they may be able to help you avoid extra fees etc.

Do You Think That Check Into Cash Is Safe to Use?

Yes, CheckIntoCash is a legitimate company. They have provided emergency credit solutions for over 25 years. They have more than 800 locations worldwide and even have a secured online system that allows you to apply without any hassle. Plus, we took a look at the better business bureau, and they don’t have that many complaints.

How to Fill Out the Online Application

To apply for at Check Into Cash Loans, you will need to take the following steps;

  1. Head to their website and click on the type of loan you wish to apply for.
  2. Use their online application and input your personal information. You may want to have all the necessary documents on hand to get through the application quickly.
  3. Once you have filled out the personal questions part of the application, you’ll need to input your current employment details.
  4. After submitting your application, you’ll have to wait a business day to look over the details.
  5. When they approve or deny your application, you’ll have the chance to read over the proposed terms and fees. If approved, you can eSign and get the funds deposited by the next business day.
Advantages of Check Into Cash Loans
  • Accepts Poor Credit ;
  • Short-term ;
  • No Prepenalty Fee ;
  • Cheap Fees ;
  • Direct Lender ;
Disadvantages of Check Into Cash Loans
  • High APR ;
  • Doesn’t improve credit ;
  • Late fees ;
  • Varies By State ;

Check Into Cash Loans Requirements

Each state has their own requirements on who can qualify for a loan. With this company, you should expect to meet the minimum standards;

  • You must be over the age of 18 (although their website says 21)
  • Must have an active checking account
  • Must have verifiable income
  • Must be able to demonstrate that you own the car if applying for a title loan
  • Must be a permanent resident and hold SSN

States Where Check Into Cash Loans is Eligible

The company provides services in most states across the United States. Their reach is far compared to other lenders. To check to see if you live in an eligible state, use their store locator.

What Do You Need To Get A Loan Online?

Every lender has strict policies about who can apply for a loan. You need to meet these requirements to qualify to apply. Here’s what this company expects;

  • Have a checking account with at least 90 days of history
  • Be at least 21 years of age
  • Have permanent residency in the united states
  • Have an active cell phone and work number
  • Have an active email address

What Do You Need To Get A Loan In-Store?

In-store procedures aren’t much different. You may want to bring some official documents with you to ensure you walk in and out with funds. Here’s a quick checklist we recommend you go over before heading into a store;

  • Title/Deed to your car
  • State issued ID (driver’s license, passport, etc.)
  • Verifiable income (paystubs, bank statements, etc.)
  • All current contact information

What Time Does Check Into Cash Loans Open & Close?

Check Into Cash Loans is open from 8 am until 9 pm Eastern Standard Time. They are generally open Monday through Friday, but holidays can affect their hours of operation. For weekends, they are open on Saturday from 10 am until 3 pm Eastern Standard Time.

The Conclusion

Overall, we believe that this company can be a good option if you’re looking for a flexible repayment schedule. They offer loans from short-term to longer-term ones. Additionally, they also have multiple types. This gives you plenty of choices to choose from when you need quick funds.

The only downside is that the company does have a high APR interest. If you’re not making enough each month, the interest can end up causing you more grief. To avoid this, shop around for different lenders if your estimated quote is higher than 400%. However, we still believe that Check Into Cash Loans is one of the best options in terms of quickness and availability.

( 141 votes, average: 8.4 out of 10)