You don't have to look too long or too hard to find a website, billboard or television commercial advertising payday loans. Because of the high demand for this type of service Check Into Cash and other payday lenders have experience a robust growth in new stores. The truth is over the last fifteen years, the payday loan industry has helped millions of Americans get through tough financial shortfalls. With today's higher energy and food prices; money doesn't always stretch far enough between paychecks and even some of the most diligent budgeters find themselves in an emergency that leaves them strapped for cash. Check Into Cash provides help for these situations.
You'll find plenty of detractors ready to criticize Check Into Cash and others in our industry. Citing misleading information and skewed data, critics of legitimate lending institutions suggest to the public that taking out a short-term loan creates a "cycle of debt". We wholeheartedly defend our business and will gladly answer any questions and concerns you may have. Visit Check Into Cash for more information about the payday industry and learn more about the cycle of debt myth opponents like to state. You can also call us at 1-877-262-CASH (2278) to find a cash advance center near you or complete online application form. In the meantime, we hope the following statements will help counter the negativity sometimes leveled at payday loan providers:
We fully disclose our policies and fees including dollar amounts and annual percentage rates (APR)
We follow Community Financial Services Association of America (CFSA) best practices which exist to protect consumers from fraudulent short-term lending claims
While larger financial institutions may speak out against us, they do not take the time, trouble, and expense of issuing short-term loans in small amounts to their clients the way we do
Although the fee percentage rate we collect might seem high, the actual dollar amount is often less than NSF fees, over-limit credit card charges, or high-interest credit cards (especially when the loan amount is added to a long-term balance)
We want you to use short-term and all credit responsibly and limit the number of times you can rollover one of our loans
We strictly adhere to state and federal laws regarding short-term credit and only allow 4 rollovers even if the state allows more
If we see you starting to abuse your credit with us, we considerately refer you to credit counseling
Safe, Easy and Convenient
We use VeriSign for encryption, security, and privacy to keep your information safe. We also proudly display the Better Business Reliability Seal (BBB) on our website. That means you may apply for your Check Into Cash payday loan online with complete confidence your information is secure.
Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.
If you have a steady source of income and a bank account, you may already be pre-approved for a fast cash payday loan. Apply online, get approved, and get cash fast. In as little as an hour, you can get fast cash personal loans online up to $800. We don't require credit check! You will have your personal fast cash loan the next day in your bank account by the next business day. We say yes and you get cash the next day. All terms, conditions, and fees are provided upfront!