Payday Loans Review – Check Into Cash

A Comprehensive Check Into Cash Review – A Good Lender?

 

Over the years, a handful of companies have managed to gain immense popularity and fame, due to their television commercials. The popular payday loan lender, Check Into Cash, can definitely fit into this category. In all likelihood, you’ve seen a commercial or advertisement for this company at some point or another. Does the company actually live up to their guarantees or will they falter and leave you out to dry, during your time of need? Below, you’ll find the answers to these questions.

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What Is Offered?

 

Before moving any further, you should take the time to familiarize yourself with Check Into Cash’s services. Although the company is widely known for their payday loans, they offer an array of other services, as well. For instance, they offer cash advances and title loans. If you wish to acquire a loan, by borrowing against your vehicle, you’ll be able to do so, by utilizing the company’s title loan. Regardless of the option you choose, you can easily breeze through the application process and obtain your loan within a rapid manner.

 

Online And Off

 

Although there are numerous payday lenders, Check Into Cash is unique in one way. Aside from operating an online storefront, the company also has over one thousand business centers throughout the country. This can help to ensure that you’ll be able to visit one of their establishments and complete the application, without the need to transmit your personal credentials over the Internet. Of course, the company’s online loan application process is much more convenient and is thoroughly secure, so it is generally your best bet, if you’re in a hurry to obtain your money.

 

APR

 

It is absolutely vital to learn about this company’s annual percentage rate, or APR, before obtaining your loan. One of the biggest problems here is the fact that Check Into Cash does not provide a universal APR. Instead, their APR varies depending on a number of different factors, including your residential state, loan amount, your specific terms and other fees. For a $100 single payment, the APR can vary substantially from 260% to 782%. This can make it nearly impossible to estimate your APR, until it has been assigned to you, by Check Into Cash.

 

Qualifying Process

 

The most notable benefit associated with Check Into Cash is their friendly customer service and rapid qualifying process. In order to qualify for a payday loan, you will need to provide the company with several documents, but these are readily available and you likely have them sitting nearby.

 

  • Your most recent pay stub
  • State or federal issued photograph identification documents
  • Most recent bank account statement
  • A single personal check

 

Depending on your state, you may also be required to bring your social security card. Once you’ve qualified for the loan, you will typically be able to acquire between one hundred and one thousand dollars. For the average individual, this will be more than enough and will help them make it through until payday.

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Overall Assessment

 

Although the company’s APR is somewhat erratic, they’re generally a great payday lender. They’re very transparent and each of their fees is easily visible on their website. At the same time, the company’s customer support is excellent and the borrowing process is simplistic and straightforward. Suffice to say, if you need money quickly, you should definitely consider making contact with Check Into Cash.

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