Check Into Cash offers payday loans up to $600, title loans, and financial services with same-day funding at physical locations across multiple states.
Editorially reviewed by Harvey Brooks
Check Into Cash is an established emergency lending provider that has operated for 30 years, serving customers seeking short-term financial solutions. The company operates a network of physical store locations, with the Ferndale, Michigan location at 749 East 9 Mile Road serving as an example of their retail presence across multiple states.
The company offers payday loans (up to $600 available in stores and online), title loans using vehicle titles as collateral, and supplementary financial services including check cashing, bill pay, Western Union money transfers, Green Dot Visa debit cards, and tax preparation. Their stated loan application process requires a Social Security number, government-issued ID, checking account information, bank routing number, proof of income, and applicant must be at least 18 years old. The company emphasizes quick approval and same-day cash disbursement for qualified applicants.
Check Into Cash distinguishes itself through its physical retail footprint, which allows for in-person applications and immediate cash distribution. The Ferndale location specifically highlights convenience with extended hours (9am-7pm weekdays, 8am-7pm Friday, 9am-4pm Saturday) and clear location markers. The company positions itself as a community-focused lender with a "money mayday" brand messaging around financial stress relief.
As an emergency cash lender, Check Into Cash operates in a high-cost lending category typical of payday loan providers. The website does not display specific APRs or fee structures on the reviewed pages, instead directing consumers to state-specific rate pages and store visits for fee schedules. Applicants should be aware that payday loans and title loans carry significantly higher costs than traditional bank lending and carry rollover risks if not repaid on the initial due date.
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Yes. Check Into Cash is a registered company headquartered in 621 12th Ave NE Ste 100, Norman, OK 73071. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Check Into Cash is best for working individuals with steady income and active checking accounts who need immediate cash for unexpected expenses and can repay within a short timeframe. The primary caveat is that payday and title loans carry significantly higher costs than traditional lending; consumers should carefully evaluate whether the convenience and speed justify the interest rates and fees, and should avoid rollover cycles that dramatically increase total borrowing costs.
Montana Capital offers car title loans from $100–$50,000 with same-day funding, no credit check, and no need to surrender your vehicle while repaying.
Best for: Car owners with bad credit or bankruptcies who cannot qualify for personal loans, Borrowers facing a same-day emergency expense who have equity in their vehicle
Norman's largest locally-owned pawn shop offering collateral-based loans, item purchases, and a no-judgment lending experience with a large showroom and warehouse.
Best for: Customers with motorcycles, firearms, or specialty items seeking quick cash loans, Individuals preferring local businesses and community reinvestment over national chains
Montana Capital is a car title lender operating since 2007, offering $100–$50,000 loans with same-day funding for borrowers with bad credit or prior bankruptcy.
Best for: Car owners with bad credit or bankruptcy history who need fast cash and have no other options, Borrowers who need same-day emergency funding and own a vehicle outright or with significant equity
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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