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USA Check Center (formerly Check Center)
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Part of the Checksmart chain · locations
CheckSmart in Livonia, MI
Livonia, MI's CheckSmart at 29235 Six Mile Rd offers check cashing, payday loans, and prepaid cards with convenient weekend hours.
Data compiled from public sources · Rating from CreditDoc methodology
CheckSmart Review
CheckSmart in Livonia, MI at 29235 Six Mile Rd is a standalone check-cashing location open Monday through Friday 9AM-7PM, with extended hours Friday until 7PM and Saturday 9AM-4PM. This Livonia storefront provides quick financial services for residents of this western Detroit suburb without the wait of traditional banks.
At this Livonia location, CheckSmart offers check cashing, payday loans, prepaid card services, and other short-term financial solutions. Call 734-261-2318 to confirm services or discuss your financial needs with staff at the Six Mile Rd branch.
Livonia residents visiting this CheckSmart should bring a valid government ID and proof of address. The location is accessible for walk-in customers seeking same-day check cashing or quick loans without lengthy applications.
Services & Features
Bill payment services
Check cashing
Gift card exchanges for cash
Green Dot Visa Debit Card issuance
In-store customer service and financial guidance
Loan application and processing
Money orders
Online appointment scheduling
Third-party short-term loans (emergency cash)
Wire transfers
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Extended hours including Friday until 8:00 PM and Sunday 11:00 AM–5:00 PM, providing access outside typical banking hours
- Multiple services in one location: check cashing, wire transfers, money orders, bill pay, and Green Dot card issuance reduce need to visit multiple providers
- Online appointment scheduling available to streamline in-store process and reduce wait times
- 11+ locations across Ohio provide geographic convenience and accessibility for repeat customers
- Clear pre-visit preparation guidance helps customers bring required documents and move through application faster
- Local store information and directions provided, with specific location details (Morse Rd and Cleveland Ave corner) aids navigation
- No stated credit check requirement mentioned for lending products, suggesting accessibility for those with poor credit
Cons
- Loans are facilitated through unaffiliated third-party lenders, meaning CheckSmart is not the direct lender and has limited control over terms, rates, or approvals
- Website does not disclose interest rates, fees, loan amounts, or repayment terms, making it impossible to evaluate cost before visiting in person
- Short-term lending products historically carry significantly higher APRs (often 300-400%) than traditional personal loans or payday alternatives under 36% APR
- Check cashing and ancillary services typically charge per-transaction fees that are not disclosed on the website
- Positioning as emergency-cash lender suggests target market is financially vulnerable consumers with limited banking access or 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 29235 Six Mile Rd, Livonia, MI 48152.
Quick Facts
- Headquarters
- 29235 Six Mile Rd, Livonia, MI 48152
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on CheckSmart
CheckSmart is best for Ohio residents in underserved financial markets who need immediate cash access, check cashing, or emergency lending outside traditional banking hours. The critical caveat is that short-term loans through CheckSmart are likely high-cost products facilitated by third-party lenders with rates and terms not disclosed on the website—consumers should compare terms carefully and explore payday alternatives or credit union PALs before using this service.
Best For
- Unbanked or underbanked Ohioans who need immediate cash access and check cashing without traditional bank accounts
- Customers seeking same-day financial services including check cashing, wire transfers, or money orders in addition to lending
- Individuals with poor credit or thin credit files who cannot qualify for traditional bank loans and need emergency funding
- Repeat customers in CheckSmart's service areas who use multiple services and benefit from the one-stop-shop convenience
Updated 2026-04-29
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