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Exploring the Truth Behind Check Into Cash Complaints – Is It Worth Your Time?

Are you considering taking out a short-term loan with Check Into Cash but are wary of the numerous complaints you’ve found online? We’re here to help you navigate these concerns and find out if Check Into Cash is the right option for you.

The Most Common Complaints About Check Into Cash

While there are hundreds of reviews on various platforms, we’ve distilled down the most common customer complaints:

What Check Into Cash Offers

Before diving into the complaints, let’s take a look at the services Check Into Cash offers. Established in 1993, the company provides short-term loans, check cashing, prepaid debit cards, and other financial services. They claim to offer a quick and easy loan application process, with funds deposited into your bank account as soon as the next business day. Loans range from $50 to $1,000, depending on your state regulations.

An In-Depth Look into Check Into Cash Complaints

Now that we have a better understanding of what Check Into Cash provides let's assess some of the complaints that customers have raised:

High-Interest Rates and Fees

The most common criticism against Check Into Cash is their high-interest rates and fees. Critics say that the company’s interest rate can run as high as 1,400 percent APR. However, it's important to note that the lender provides a calculator on its website that allows you to estimate the cost of a loan based on your state, credit score, loan amount, and loan term. This transparency may help you make a more informed decision.

Aggressive Advertising and Sales Tactics

Some customers have also complained about the aggressive approach that Check Into Cash uses when advertising and selling its services. This is a common tactic in the payday lending industry and could be more indicative of the industry practice, rather than something specific to this company.

Difficulty in Managing or Repaying the Loan

Customers have also reported having challenges in managing or repaying the loan. Those who fail to pay their loans on time face additional fees and might risk damaging their credit score. You should be sure to read the terms and conditions of your loan contract carefully and inquire about the payment options you have available to you before taking out a loan.

Poor Customer Service

Another common complaint lodged against Check Into Cash is their poor customer service. While some customers have expressed satisfaction with the level of service they received, others claim that the company's customer service is unresponsive and unhelpful. Be sure to do your research and read reviews from multiple sources before choosing a lender.

Hidden Fees or Charges

Customers have also claimed there are hidden fees and charges that are not disclosed upfront. Again, it is essential to read the loan contract and ask for clarification on any unclear terms before signing it.

The Final Verdict

It's always a good idea to tread carefully when taking out a loan of any kind, no matter the lender.

Check Into Cash is a legitimate lender that offers various financial services. While there may be some complaints about the company, many of them are common in the industry. Thus, it's crucial to read reviews with a critical eye and understand your financial limitations before deciding to take out a loan.

Remember, your credit score could be at risk, and you could end up in deeper financial trouble if you borrow more than you can afford to repay.


In conclusion, check into cash is legitimate, with a long-standing history of providing financial services. While encountering challenges may be common, it's essential to do your research thoroughly before applying for a loan from any lender.

Take the time to inquire about fees, repayment terms, and customer service, and most importantly, read the loan contract and make sure you are comfortable agreeing to its terms. With the right preparation, you could end up with an ideal solution that best fits your financial needs.

Get A Loan Now Quickly And Easily

Representative Example
APR, Total Loan Costs & All Applicable Fees

Loan Amount $1,000 $2,000 $5,000 $10,000
Interest Rate 24% 19% 13% 8%
Loan Term 12 Months 24 Months 48 Months 60 Months
Fee 3% 5% 8% 10%
Fee Cost $30 $100 $400 $1,000
Repayment $94.56 $100.82 $131.67 $202.28
APR 29.82% 24.12% 18.23% 9.20%
Total Payments $1,134.72 $2,419.68 $6,320.12 $12,136.80
Total Costs $164.72 $519.68 $1,720.12 $3,136.80

The website is not an offer to lend. The website only provides a service and is not an agent, representative, or broker of any lender and does not endorse or charge you for any loan or product. The website operators are not lenders, do not make loans of any type, and do not make credit decisions.

The website collects personal information provided by you and forwards it to partners in our lender network. You are under no obligation to use this website or service to initiate, contact, nor apply for credit or any loan product with any service provider or lender. Loan amounts vary from $100 and $35,000 but not all lenders can provide up to $35,000. Providing your information on the website does not guarantee you will be approved for a loan or credit product.

Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required. If you have any questions, contact your lender directly for details, questions, or concerns regarding your loan or credit product. Short-term cash loans are meant to provide you with short-term financing to solve immediate cash needs and should not be considered a long-term solution.

This service and lenders are not available in all states. Lenders may perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union or may perform alternative credit checks or consumer reports through alternative providers. By submitting your request, you acknowledge, agree, and authorize that (a) your information may be sent to lenders and/or third-party partners on your behalf, and (b) such lenders may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax to evaluate your creditworthiness.

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