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CheckSmart in Livonia, MI

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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

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

State Consumer Finance Context

This is state-level context for Check Cashing & Money Services consumers in Livonia, MI. It does not confirm that CheckSmart or this specific location is licensed.

State regulator

Michigan Department of Insurance and Financial Services

Money services context in Michigan

Short-term lending status: Legal

General rate context: 25% for consumer loans; payday loans capped at $600 with 15% fee on first $100, tiered after

Michigan allows payday lending with a $600 cap, tiered fee structure, and a one-loan-at-a-time limit. Rollovers are prohibited. The Department of Insurance and Financial Services regulates consumer lenders, and complaints can be filed with DIFS or the Attorney General.

Key state rules to check

  • Payday loans (deferred presentment) capped at $600 with tiered fees: 15% first $100, 14% on $100-$200, 13% on $200-$300, etc.
  • Maximum loan term is 31 days; rollovers prohibited.
  • Borrowers limited to one payday loan at a time.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does CheckSmart offer?

CheckSmart offers 10 services including Third-party short-term loans (emergency cash), Check cashing, Money orders, Wire transfers, Bill payment services, and 5 more.

What profile signals are listed for CheckSmart?

CheckSmart has profile signals associated with Unbanked or underbanked Ohioans who are researching short-term 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 may not meet traditional bank-loan criteria and need emergency funding, Repeat customers in CheckSmart's service areas who use multiple services and benefit from the one-stop-shop convenience.

What are the strengths and weaknesses of CheckSmart?

Key strengths: 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. Areas to consider: 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.

How does CheckSmart compare to similar companies?

In the Check Cashing & Money Services category, comparable providers include Big Check Cashing, Boulevard Check Cashing, Check Cashing Etc.. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
29235 Six Mile Rd, Livonia, MI 48152
BBB Accredited
No
Visit CheckSmart

CreditDoc Profile Note

Research Note on CheckSmart

CheckSmart is profile signals for Ohio residents in underserved financial markets who are researching short-term 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.

Profile Signals

  • Unbanked or underbanked Ohioans who are researching short-term 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 may not meet traditional bank-loan criteria and need emergency funding
  • Repeat customers in CheckSmart's service areas who use multiple services and benefit from the one-stop-shop convenience
Updated 2026-05-08

Similar Companies

Big Check Cashing logo

Big Check Cashing

Detroit-based check cashing service specializing in large checks including tax refunds, settlements, and 401(k) disbursements with same-day cash access.

BBB: NR

Profile signals: Unbanked or underbanked individuals who are researching short-term cash access from large checks, Customers with tax refund, settlement, or 401(k) checks seeking same-day access

Boulevard Check Cashing logo

Boulevard Check Cashing

Boulevard Check Cashing offers check cashing services in Detroit, MI, located next to Henry Ford Hospital. They cash checks and provide discount coupons for larger deposits.

BBB: NR

Profile signals: Detroit-area residents and workers without bank accounts seeking short-term cash access, Hospital employees near Henry Ford who need quick check cashing access

Check Cashing Etc. logo

Check Cashing Etc.

A1 Check Cashing is a Detroit-based check cashing service offering same-day payouts for payroll, settlement, tax refund, and large checks with competitive fees.

BBB: NR

Profile signals: Unbanked or underbanked Detroit residents researching short-term cash access from payroll or settlement checks, Business owners requiring same-day access to corporate check funds

Compare Your Needs With CheckSmart

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Quick Summary

  • CheckSmart is listed as a Check Cashing & Money Services provider in Livonia, MI on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

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