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CheckSmart has offered fast, friendly, and trustworthy service since its inception. The company started operating in 1987 as a payroll advance company. Customers receive fair treatment and respect, regardless of whether they apply online or at one of CheckSmart's locations. Customers' credit does not matter. If customers meet CheckSmart's criteria, they qualify for a payroll advance loan.

CheckSmart's professional, qualified loan consultants will gladly assist customers with any help they may need, whether they apply online at or at one of CheckSmart's convenient store locations. CheckSmart staff maintain a willing-to-help attitude and are ready to assist customers. CheckSmart strictly adheres to business standards and is a member of the following organizations:

  • Community Financial Services Association
  • Financial Services Centers of America
  • Ohio Association Financial Services Centers
  • California Financial Service Providers Association
  • Utah Consumer Lending Association
  • Financial Service Centers of Florida

CheckSmart uses industry standard SSL technology to ensure the security and confidentiality of personal data. This advanced technology uses an encryption process to transmit customers' data over the Internet in such a way that no one else can decipher it. Additionally, CheckSmart has a strict privacy policy that it adheres to, meaning that CheckSmart does not sell customers' information. Customers can feel confident and secure. Customers will never be asked the reason for requesting a short-term loan. CheckSmart promotes financial responsibility by educating its customers regarding payday advance services. CheckSmart makes it clear that a payday loan is a short-term solution to financial emergencies and is not designed to solve long-term financial difficulties. Customers with long-term financial problems are directed to seek the advice of a qualified credit counselor.

Obtaining a cash advance is easy and fast. Customers can obtain a cash advance within minutes. Customers can conveniently apply online or at any of CheckSmart's many locations.

Contact CheckSmart

CheckSmart, Inc.
7001 Post Road
Dublin, Ohio 43016

Phone: 1-800-837-0381

What Is A CheckSmart Cash Advance?

Simply put, a payroll or cash advance is a cash advance on a paycheck. If customers need cash to handle an emergency, CheckSmart can help them. A payroll advance can help customers take care of unexpected emergencies, or help them get through the week until their next payday. It's a short-term alternative financial solution that can help customers avoid bounced checks, late payment fees, or a negative credit score.

How Does CheckSmart Work?

The first step is to write a check for the amount needed plus the fee amount. CheckSmart will agree to hold the check until the next payday. Customers will receive the funds within minutes. There are no credit check worries. The advance can be as low as $50 or as high as $800. It depends on customers' qualifications and the state in which they reside.

Why CheckSmart?

Customers can expect quick and hassle-free service at CheckSmart. The reason for the loan is irrelevant to CheckSmart. Unlike other lending companies that provide customers with a check, at CheckSmart customers can expect to receive their cash right away.

How Does One Get A Payroll Advance?

To qualify for a payroll advance, customers need to have the following items: verifiable income, checking account in their name, and a working home phone number. Getting a payroll advance through CheckSmart is fast, easy, and convenient. Almost any person can qualify for an advance.

What Should A Customer Bring To CheckSmart To Get Started?

Customers need to bring their checkbook. They also need a state or federally issued identification card.

CheckSmart Check Cashing

CheckSmart cashes all types of checks including payroll, insurance, and personal. Additionally, CheckSmart also cashes tax refund checks, settlement, government, and social security benefit checks. CheckSmart cashes checks and makes the funds available instantly. In contrast, banks require customers to have an account with them in order to cash a check, and they may hold it until it clears before they make the funds available. CheckSmart eliminates all the waiting period and gives customers their cash on the spot. Most CheckSmart locations operate 24 hours a day for customers' convenience.

CheckSmart In Your State

CheckSmart currently has 217 stores located in 10 different states. Presently, those operating locations are in Arizona, Florida, Indiana, Kansas, Kentucky, Michigan, Missouri, Ohio, Utah, and Virginia. The majority of CheckSmart stores operate seven days a week during convenient hours to fit customers' busy schedules. Some CheckSmart locations even operate 24 hours a day.

If a CheckSmart location cannot be found in a certain state it means that CheckSmart is not licensed to conduct business online in that particular state. Therefore, customers cannot request a cash advance online. However, customers can still apply for an advance at one of CheckSmart's nearest locations.

CheckSmart Ohio - Customers may qualify for a loan of up to $300 on the first loan. After receiving the first loan, and if they remain in good standing, the loan amount may increase by $100 for each future loan up to a maximum of $800.

CheckSmart Arizona - The first loan may be up to $350. Once a customer is approved and remains in good standing, CheckSmart may increase the maximum loan amount by $100 up to $500. Customers will need to pay off two loans before qualifying for this increase.

CheckSmart / Minneapolis / Pennsylvania / Rhode Island / Missouri - The first loan can be up to $300, and after being approved and established in good standing, an increase of $100 can be granted for a maximum of $500. This increase also requires first having paid off two previous loans.