Background
Check Into Cash is a national leader in short-term credit solutions, providing a wide range of financial services including payday loans, installment loans, title loans, flex lines of credit, check cashing, bill payment, money transfers, and prepaid debit cards. The company is recognized as a pioneer in the payday lending industry and operates both online and through hundreds of retail locations across the United States. Check Into Cash is a founding member of INFiN, a Financial Services Alliance, and is committed to regulatory compliance, transparency, and responsible lending.
History
Founded in 1993 by entrepreneur Allan Jones in Cleveland, Tennessee, Check Into Cash started as a single storefront offering payday advances to customers who needed quick access to cash. The company quickly expanded, reaching over 250 stores by 1998, 700 by 2002, and more than 1,100 locations in 30 states at its peak. Over the years, Check Into Cash has introduced new services, launched online lending, and developed a mobile app. In 2021, the company merged with Community Choice Financial, further expanding its reach and capabilities. As of its 30th anniversary in 2023, Check Into Cash continues to serve millions of Americans nationwide.
Types of Loans and Fees Charged
Payday Loans: Short-term loans designed to cover small emergencies until the borrower’s next payday. Example: In Alabama, the maximum fee is 17.5% of the cash advanced, with a typical APR of around 456% for a 14-day loan.
Installment Loans: Larger amounts with longer repayment terms and lower payments, repaid over scheduled installments.
Title Loans/Title Pawns: Loans secured by the borrower’s vehicle title, with the title returned upon final payment.
Flex Line of Credit: Allows customers to borrow as much and as often as needed within their approved limit.
Other Services: Check cashing, bill pay, Western Union money transfers, and Green Dot® Visa® debit cards.
Fees: Vary by state, loan type, and amount. All fees and terms are clearly disclosed during the application process.
Locations
Check Into Cash operates more than 650 store locations in over 20 states, with a strong presence in both urban and rural communities. The company’s headquarters remains in Cleveland, Tennessee.
States Where Loans Are Offered and Not Offered
Available States: Check Into Cash operates in over 20 states, including Alabama, Arizona, California, Colorado, Florida, Georgia, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, Virginia, Wisconsin, and others.
Unavailable States: Not available in states with strict payday lending regulations or bans. Applicants can check eligibility by entering their ZIP code on the company’s website.
How to Contact Check Into Cash
Customer Service Phone: (877) 262-2274
Online Loan Customers: (877) 577-7977
Report Fraud: (800) 504-9101
Customer Support Email: [email protected]
Corporate Headquarters: 201 Keith Street SW, Cleveland, TN 37311
Website: www.checkintocash.com
Store Locator: Available on the website to find the nearest location
Customer Service Hours (EST):
Monday–Friday: 8:00 AM – 9:00 PM
Saturday: 11:00 AM – 3:00 PM
Sunday: Closed
