Part of the Checksmart chain · locations
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CheckSmart in Mesa, AZ

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Mesa, AZ's CheckSmart at 6771 E Main St offers check cashing and quick loans with convenient weekday and Saturday hours.

Data compiled from public sources

CheckSmart Review

Located at 6771 E Main St on Mesa's east side, CheckSmart is a standalone check-cashing store serving the local community. This Mesa location operates Monday through Saturday with hours designed for convenience—9 AM–7 PM on most weekdays, with slightly reduced hours on Wednesdays and Thursdays, plus 10 AM–4 PM on Saturdays. The accessible Mesa storefront makes it easy to stop by without planning ahead.

At this CheckSmart location in Mesa, AZ, you can cash checks, apply for short-term loans, and access other quick-financing options. Call +1 480-981-6999 to ask about services, rates, and eligibility requirements. The 6771 E Main St branch staff can explain your loan options and guide you through the application process quickly.

If you're in Mesa and need fast access to cash, bring a valid government ID and a recent pay stub or bank statement. CheckSmart provides a faster alternative to banks for short-term funding needs. The convenient Saturday hours and east Mesa location make this branch profiled for residents throughout the city.

Services & Features

Bill payment services
Check cashing
Customer service and financial guidance
Gift card exchange for cash
Green Dot Visa debit card issuance
In-store loan application processing
Money orders
Online appointment scheduling
Proof of employment/income verification assistance
Quick lending decisions
Third-party short-term loan access and application
Wire transfers

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Multiple financial services under one roof: check cashing, money orders, wire transfers, bill pay, and loan access
  • Extended hours including Friday 8:00 AM - 8:00 PM and Sunday 11:00 AM - 5:00 PM for accessibility
  • Online appointment scheduling available to reduce in-store wait times
  • Quick lending decision and same-day/provider-stated provider-stated next-day funding timing timing potential for approved loans
  • Green Dot Visa debit card issuance available in-store
  • Gift card exchange service for cash—uncommon convenience service
  • Multiple locations across Ohio (11+ stores) providing neighborhood access

Cons

  • Acts as a lending facilitator, not a direct lender—terms and rates controlled by third-party lenders with unknown APRs
  • Website provides no specific information about loan amounts, terms, fees, or eligibility requirements
  • Requires in-person store visit; no online loan application capability mentioned
  • Limited transparency about the third-party lending partners or their specific products
  • Check-cashing and money services typically carry per-transaction fees not disclosed on the website

State Consumer Finance Context

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

State regulator

Arizona Department of Insurance and Financial Institutions

Money services context in Arizona

Short-term lending status: Banned

General rate context: 36% APR cap on consumer loans; payday lending banned since 2010

Arizona banned payday lending in 2010, providing strong consumer protections against high-cost short-term loans. Consumer loans are capped at 36% APR under state law. Residents can file complaints with the Department of Insurance and Financial Institutions or the Attorney General's Consumer Protection Division.

Key state rules to check

  • Payday lending has been banned since July 2010 when the enabling statute expired.
  • Consumer lenders must be licensed under the Consumer Lenders Act with a 36% APR cap.
  • Title loans are legal but regulated with licensing requirements.

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 12 services including Check cashing, Money orders, Wire transfers, Bill payment services, Green Dot Visa debit card issuance, and 7 more.

What profile signals are listed for CheckSmart?

CheckSmart has profile signals associated with Unbanked or underbanked consumers needing check cashing and money transfer services in one location, Columbus-area residents seeking same-day loan access with application-timing claims decisions, Customers who prefer in-person financial service interactions with appointment flexibility, People needing bundled services: loan application, bill payment, and debit card access simultaneously.

What are the strengths and weaknesses of CheckSmart?

Key strengths: Multiple financial services under one roof: check cashing, money orders, wire transfers, bill pay, and loan access; Extended hours including Friday 8:00 AM - 8:00 PM and Sunday 11:00 AM - 5:00 PM for accessibility; Online appointment scheduling available to reduce in-store wait times. Areas to consider: Acts as a lending facilitator, not a direct lender—terms and rates controlled by third-party lenders with unknown APRs; Website provides no specific information about loan amounts, terms, fees, or eligibility requirements.

How does CheckSmart compare to similar companies?

In the Check Cashing & Money Services category, comparable providers include ACE Cash Express, Amigo Check Cashing, Ria Money Transfer - Universal Check Cashing. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
6771 E Main St, Mesa, AZ 85205
BBB Accredited
No
Visit CheckSmart

CreditDoc Profile Note

Research Note on CheckSmart

CheckSmart is best suited for consumers needing quick access to check-cashing services, money transfers, or bill payment in a physical location, with potential loan access through third-party lenders. The main caveat is the lack of transparency regarding specific loan products, APRs, and terms—borrowers must visit in-store or call to learn actual lending details.

Profile Signals

  • Unbanked or underbanked consumers needing check cashing and money transfer services in one location
  • Columbus-area residents seeking same-day loan access with application-timing claims decisions
  • Customers who prefer in-person financial service interactions with appointment flexibility
  • People needing bundled services: loan application, bill payment, and debit card access simultaneously
Updated 2026-05-08

Similar Companies

ACE Cash Express logo

ACE Cash Express

760 N Country Club Dr in Mesa, AZ, this ACE Cash Express provides check-cashing and cash advance services.

BBB: NR

Profile signals: Unbanked or underbanked consumers needing immediate access to cash through check cashing, Individuals requiring money transfer or bill payment services without traditional bank accounts

Amigo Check Cashing logo

Amigo Check Cashing

MoneyGram location at Amigo Check Cashing offering check cashing, money transfers, and cash services in Avondale, AZ with extended daily hours.

BBB: NR

Profile signals: Consumers needing after-hours check cashing on weekends or evenings, Individuals requiring quick money transfers without a bank account

Ria Money Transfer - Universal Check Cashing logo

Ria Money Transfer - Universal Check Cashing

Ria Money Transfer is a global remittance provider offering international money transfers to 190+ countries through 600,000+ locations, with online, mobile app, in-person, and WhatsApp sending options.

BBB: NR

Profile signals: Immigrants and migrant workers sending regular remittances to family in Latin America, Africa, Asia, and Europe, International business professionals needing to move funds across borders quickly and reliably

Compare Your Needs With CheckSmart

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Quick Summary

  • CheckSmart is listed as a Check Cashing & Money Services provider in Mesa, AZ 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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