Check Into Cash Check Cashing Fees, Money Order Fees, Loan Fees, etc

Short Answer

Check Into Cash check cashing fees vary by state and the type of check, but you can expect to pay between 3% and 5% of the check amount. The first time you cash a check, you’ll also need to pay a $2 enrollment fee. Check Into Cash cashes many types of checks, including payroll checks and tax refund checks. It also cashes money orders and offers cash advances and loans. For more information on Check Into Cash’s fees and services, see below.

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Check Into Cash Check Cashing Fee

Check Into Cash check cashing fees vary by state, location, the type of check, and the amount of the check, a corporate customer service representative said. We contacted Check Into Cash locations in California, Indiana, Michigan, Tennessee, Texas, and Washington to gather information about typical fees. While you’ll need to contact your local Check Into Cash for exact fees amounts, we found that check cashing fees are typically between 3% and 5% of the check amount. And, the first time you cash a check, you’ll need to pay a $2 enrollment fee.

See our related research for information about check cashing fees at other places and by state and check cashing fees at Check ‘n Go.

Find more details of Check Into Cash’s accepted check types, requirements, and its preferred check cashing card here:

Check Types

Check Into Cash will cash most check types — except single-party checks. We were told there is no limit to the number of checks you can cash per visit. Check Into Cash cashes the following types of checks. It also cashes money orders.

Business checks
Cashier’s checks
Financial loan checks
Government checks
Insurance drafts or checks
Out-of-state checks
Printed or handwritten payroll checks
Tax refund checks
Two-party checks

Requirements

You’ll need to bring a valid government-issued photo ID to cash a check. Federal and state IDs, including driver’s licenses, passports, and U.S. military IDs, are acceptable.

Preferred Check Cashing Card

On your first visit to Check Into Cash to cash a check, you’ll need to complete its verification process. Once the process is complete, you’ll need to pay a $2 enrollment fee for a preferred check cashing card. The card will simplify and expedite future check cashing transactions at Check Into Cash. The process and enrollment fee are not optional.

U.S. Money Visa Prepaid Card

At many Check Into Cash locations, you can load some or all of your cash onto a prepaid, reloadable U.S. Money Card. There is no fee to open a prepaid card, but you will need to deposit at least $10 to get started.

Other Services and Fees at Check Into Cash

In addition to check cashing, Check Into Cash offers a variety of cash advance and loan options. Fees for services like in-store cash advances, installment loans, and title loans vary. We’ve detailed the charges by loan type below.

In-Store Cash Advance

In-store cash advances are available at all Check Into Cash locations.

Loan amount: Varies by state; can be up to $1,000
Application fee: None
Service charges and fees: Vary by state; during our research, we found the service charge for a $100 in-store cash advance typically ranges from about $15 to $18
Requirements: You’ll need to bring a current pay stub, a valid state or federal photo ID, your most recent bank statement, and a blank personal check. Several states also require your Social Security number.

Online Payday Loan

Online payday loans are available at Check Into Cash locations in Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Kansas, Louisiana, Mississippi, Missouri, Nevada, Oregon, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming.

Loan amount: Varies by state; can be up to $1,000. The funds will usually be deposited into your checking account the day after your loan is approved.
Application fee: None
Service charges and fees: Vary by state; during our research, we found that in the state of Washington, for example, a two-week online payday loan for $300 will require a $45 fee. Also, the fee for a two-week $500 online payday loan would be $75.
Requirements: You must be at least 21 (19 in Alabama), have an active checking account that has been open for at least 90 days, be a U.S. citizen or permanent resident, and have a current phone number and a valid email address.

Installment Loans

Installment loans are available at Check Into Cash locations in California, Missouri, Mississippi, Oklahoma, and Wisconsin.

Loan amount: Varies by state; typically available from $100 to $3,000
Application fee: None
Service charges and fees: Vary by loan amount and length of the loan
Requirements: While most participating states do not impose an income requirement, California requires a gross monthly income of at least $3,500 to qualify for an installment loan. If applying online, you may need to provide bank statements or pay stubs as proof of income.

Title Loans

Title loans are available at Check Into Cash locations in Alabama, Arizona, California, Georgia, Idaho, Illinois, Kansas, Louisiana, Mississippi, Missouri, New Mexico, Tennessee, Texas, Virginia, and Wisconsin.

Loan amount: Varies by state; typically available from about $1,350 to $25,000
Application fee: None
Service charges and fees: Vary by individual and can range from about 7% to 36%; monthly payment amounts are based on your income
Requirements: You’ll need your car or motorcycle’s title, a valid government-issued photo ID, proof of residency, and proof of income.

Line of Credit

Lines of credit are only available at Check Into Cash locations in Virginia.

Loan amount: A revolving $100 to $1,000 line of credit
Application fee: None
Service charges and fees: There is a $10 monthly fee, and you’ll owe 5% of the principal plus daily interest.
Requirements: You must be at least 21, have a valid Social Security number, proof of income, a valid email address, an active checking account that has been open for at least 90 days, and be able to provide personal and work phone numbers.