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USA Check Center (formerly Check Center)
Contact
BBB:
Part of the Checksmart chain · locations
CheckSmart in Indianapolis, IN
CheckSmart at Shadeland Ave in Indianapolis, IN — fast check cashing and payday loans with extended weekday hours.
Data compiled from public sources · Rating from CreditDoc methodology
CheckSmart Review
Located at 1058 Shadeland Ave in Indianapolis, IN, this CheckSmart location is a standalone check-cashing store serving the local area. The Indianapolis branch operates Monday through Friday from 9 AM to 7 PM and Saturdays from 9 AM to 4 PM, making it convenient for both work-hour visits and quick weekend trips. The Indianapolis location provides easy access for residents and workers in the Shadeland corridor.
At this Indianapolis CheckSmart, you can cash checks, obtain payday loans, and access other financial services designed for quick cash needs. For questions about current fees, accepted ID types, or loan options available at this specific Indianapolis location, call 317-353-0700 to speak with local staff.
If you need same-day cash in Indianapolis, bring a valid government ID and either a check to cash or income documentation for a loan. This Shadeland Ave location serves your neighborhood with flexible lending designed for unexpected expenses.
Services & Features
Bill Pay
Check Cashing
Gift Card Exchange for Cash
Green Dot® Visa® Debit Card (in-store purchase)
In-Store Loan Application Assistance
Money Orders
Online Appointment Scheduling
Short-Term Loan Products (via unaffiliated third-party lender)
Wire Transfers
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Seven-day-a-week operation with extended Friday hours (8 AM–8 PM)
- Online appointment scheduling reduces in-store wait times
- Green Dot® Visa® Debit Card available for purchase in-store
- Gift card-to-cash exchange offered as an additional liquidity option
- Regional Ohio network with multiple Columbus-area locations for accessibility
- Wire transfers available alongside check cashing for broader remittance needs
- Bill pay service consolidates multiple financial tasks in one visit
Cons
- Loan products are from an unaffiliated third-party lender — CheckSmart is not the direct lender, adding a layer of separation from loan terms
- No fee schedules or loan rates published on the website, requiring an in-store visit to understand costs
- Saturday hours end at 4 PM and Sunday hours are only 11 AM–5 PM, limiting weekend access
- Service footprint is limited to Ohio — no availability for out-of-state customers
- Short-term lending products at check-cashing outlets typically carry high APRs compared to mainstream alternatives
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 1058 Shadeland Ave, Indianapolis, IN 46219.
Quick Facts
- Headquarters
- 1058 Shadeland Ave, Indianapolis, IN 46219
- 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 Ohio consumers who are unbanked or underbanked and need immediate access to check cashing, money orders, or basic payment services without a traditional bank account. The main caveat is that loan products are not issued by CheckSmart directly — they come from a third-party lender whose rates and terms are not disclosed online — so borrowers should review loan agreements carefully before signing.
Best For
- Unbanked or underbanked consumers who need check cashing without a bank account
- Ohio residents seeking short-term loan access through a retail storefront
- Consumers needing money orders, wire transfers, or bill pay in a single location
- People looking to convert unused gift cards into cash quickly
Updated 2026-04-29
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