PROS / Check Into Cash is a direct lender, so you don't have to worry about working with a third-party lender.
CONS / This service does not offer application approvals over the phone.
VERDICT / Check Into Cash is transparent about its rates and terms, and it has been a leader in the industry for over 20 years.
Check Into Cash is one of the original payday loans lenders, having started in the game in the early '90s. The company offers competitive interest rates and fees, fast approval, and quick deposits to supplement your finances between paychecks. In addition to online loan approval in 23 states, Check Into Cash has local branches in 21 states. Because of these features we award this payday lender our Top Ten Reviews Bronze Award.
This company is a direct payday loan lender, so you work with it from start to finish without dealing with a third party. As is the case with most services, you may not be approved for the full amount of money available on the first loan you take out with Check Into Cash.
The application process is straightforward and requires basic information, which might include personal information, banking information and proof of income. After completing your online application, this payday loan company can make a decision on your application quickly. If your application is approved, the lender deposits your money directly into your checking account. This service often approves many people with bad credit.
Most of the terms offered by Check Into Cash are standard. This service automatically withdraws the amount due on the loan from your checking account on the due date, but you can contact the company if you need an extension. It usually also offers loan rollovers. Keep in mind, though, that extending your loan can increase the fees and interest you end up paying. If you can pay off your loan early, there is generally no penalty.
This reputable payday loan service offers good support options. You can email customer support or call its toll-free number, or if you would like a representative to call you, you can enter your phone number. When we contacted customer service, we were on hold for a minimal amount of time, and the customer service representatives we spoke with were helpful.
Check Into Cash has the advantage of being one of the first names in payday loans, and it says something that it has been in business for over 20 years. The company offers competitive loan amounts, APRs and fees, and the loan and application processes are quick and can be completed online. Its customer service options are good, and representatives are easy to get hold of, which is a definite bonus among payday loan services.