U
USA Check Center (formerly Check Center)
Contact
BBB:
Part of the Checksmart chain · locations
CheckSmart in Indianapolis, IN
CheckSmart at 3429 S East St, Indianapolis, IN provides check-cashing and payday loans.
Data compiled from public sources · Rating from CreditDoc methodology
CheckSmart Review
Located at 3429 S East St Suite C on Indianapolis's south side, this CheckSmart branch operates as a standalone check-cashing location. Open Monday through Friday from 9 AM to 7 PM and Saturday 9 AM to 4 PM, the Indianapolis location is closed Sundays and designed for convenient walk-in access.
CheckSmart offers check-cashing, payday loans, and quick cash advances to Indianapolis residents and visitors. Call 317-782-4400 to inquire about service fees, documentation requirements, or specific loan products available at this S East St location in Indianapolis, IN.
Residents in Indianapolis who need immediate cash can visit this location with a valid government-issued ID and their check or payment information. The staff provides straightforward service and quick processing times for those seeking emergency financial assistance in the Indianapolis area.
Services & Features
Bill payment
Check cashing
Gift card exchange for cash
Green Dot® Visa® Debit Card issuance
In-store customer service for loan inquiries
In-store loan application assistance
Money orders
Online appointment scheduling
Third-party short-term loan facilitation
Wire transfers
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Multiple financial services available in a single in-store visit (check cashing, money orders, wire transfers, bill pay)
- Extended Friday hours (8:00 AM–8:00 PM) accommodate working customers
- Sunday hours available (11:00 AM–5:00 PM), uncommon among check cashing stores
- Online appointment scheduling reduces in-store wait time
- Green Dot® Visa® Debit Card available in store — useful for unbanked customers
- Gift card exchange for cash available in store
- Multiple Columbus-area locations plus broader Ohio presence
Cons
- Not a direct lender — loans are facilitated through an unnamed third-party lender with no APR or fee disclosure on the website
- No online-only loan application; in-store visit required
- Limited Saturday hours (9:00 AM–4:00 PM) and shortened Sunday availability
- Loan terms, amounts, and costs are completely opaque prior to visiting a store
- Short-term lending through third-party arrangements typically carries high borrowing costs
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
Frequently Asked Questions
Is CheckSmart legitimate?
Yes. CheckSmart is a registered company, headquartered in 3429 S East St Ste C, Indianapolis, IN 46227.
Quick Facts
- Headquarters
- 3429 S East St Ste C, Indianapolis, IN 46227
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on CheckSmart
CheckSmart is best suited for unbanked or underbanked consumers in Ohio who need a one-stop shop for check cashing, money orders, wire transfers, or bill pay. For loan products, the main caveat is that CheckSmart is not the lender — terms come from an undisclosed third party and are not published online, so borrowers must visit in person to learn what they're actually being offered.
Best For
- Unbanked or underbanked consumers needing check cashing or money orders
- Customers who need to pay bills, send wire transfers, or obtain money orders without a bank
- Ohio residents seeking in-person short-term loan referrals with same-day processing
- Consumers who want to exchange unwanted gift cards for cash
Updated 2026-04-29
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