Background
CheckSmart is an established financial services provider offering a range of short-term cash solutions and financial products. The company is known for its commitment to customer service, providing loans, check cashing, money orders, wire transfers, Green Dot® Visa® debit cards, gift card buyback, and other convenient services both in-store and online. CheckSmart’s mission is to deliver exceptional customer experiences and help individuals find the smartest financial match for their needs.
History
Founded in 1987, CheckSmart has grown into a trusted name in the alternative financial services industry. The company has served millions of customers over the decades, building a reputation for fast, friendly service and a customer-first approach. CheckSmart is headquartered in Dublin, Ohio, and operates under the Community Choice Financial family of brands.
Types of Loans and Fees Charged
Loan Types:
Payday Loans (short-term loans due on the borrower’s next payday)
Installment Loans (repaid over a set schedule in fixed payments)
Title Loans (secured by the borrower’s vehicle title)
Online Loans (available in select states)
Loan Amounts: Vary by state and loan product; customers are encouraged to contact their local store or visit the website for specific details.
Repayment Terms:
Payday loans: Typically due in full on the next payday (2–4 weeks)
Installment loans: Repaid in fixed payments over several months
Title loans: Terms depend on loan amount and collateral
Interest Rates (APR): Rates and fees vary by state and loan type, with all terms disclosed during the application process.
Fees: May include finance charges, late payment fees, and returned payment fees, depending on state regulations and loan agreement.
Locations
CheckSmart operates hundreds of neighborhood locations across the United States, with a strong presence in the Midwest and South. States with CheckSmart locations include:
Arizona
Florida
Indiana
Kansas
Kentucky
Michigan
Missouri
Ohio
Utah
Virginia
States Where Loans Are Offered and Not Offered
Available States: Loans and financial services are available in the states listed above; specific loan products may vary by state.
Unavailable States: CheckSmart does not operate in states with strict lending regulations or bans on payday lending.
How to Contact CheckSmart
Corporate Headquarters: 7001 Post Road, Dublin, OH 43016
Customer Service Phone Numbers:
Toll-Free: (800) 837-0381
(614) 798-5900
(855) 920-9800
Additional local numbers available for specific branch locations
Customer Service Email: [email protected]
Website: www.checksmart.com
CheckSmart also offers in-person assistance at its many store locations, with extended hours for customer convenience.
