U
USA Check Center (formerly Check Center)
Contact
BBB:
Part of the Checksmart chain · locations
CheckSmart in Parma Heights, OH
Parma Heights, OH CheckSmart check-cashing and loans at 6895 W 130th St
Data compiled from public sources · Rating from CreditDoc methodology
CheckSmart Review
CheckSmart's Parma Heights location sits at 6895 W 130th St, a standalone check-cashing store serving the western suburb of Parma Heights, OH. The branch is open Monday through Thursday 9AM–7PM, Friday 8AM–8PM, and Saturday 9AM–4PM, closing on Sundays.
At this Parma Heights CheckSmart, you can cash checks, apply for short-term loans, and handle other financial services. Call (440) 842-0426 to ask about specific services, fees, or to confirm today's hours.
For Parma Heights residents needing quick check cashing or emergency cash, this location offers a walk-in alternative to traditional banks. Bring a valid ID and your check or payment stub, and the staff can typically complete transactions within minutes.
Services & Features
Bill pay services
Check cashing
Customer service and financial guidance
Gift card-to-cash exchange
Green Dot Visa debit card issuance
In-person loan applications
Money orders
Online appointment scheduling
Third-party short-term loans
Wire transfers
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Multiple Ohio locations (11+ stores) providing geographic convenience
- Extended business hours including Friday until 8:00 PM and weekend service
- Online appointment scheduling to reduce in-store wait times
- Bundled financial services (check cashing, wire transfers, bill pay, debit cards) in one location
- Quick lending decisions and funding for approved applicants
- Accepts Green Dot prepaid cards, expanding payment access
- Staff available to answer questions and guide customers through application process
Cons
- No direct lending—all loans are third-party products with unknown terms, rates, and APRs not disclosed on website
- Likely high-cost short-term borrowing typical of check-cashing storefronts, but specific pricing unavailable
- Requires in-person store visit to obtain loan details; no online loan calculators or rate previews
- No mention of credit-building features, financial counseling, or alternative products for consumers seeking to improve creditworthiness
- Limited transparency on lending partner qualifications, terms ranges, or maximum loan amounts
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 6895 W 130th St, Parma Heights, OH 44130.
Quick Facts
- Headquarters
- 6895 W 130th St, Parma Heights, OH 44130
- 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 consumers in Ohio who need immediate check-cashing or money movement services and are willing to visit a physical location. The primary caveat is that lending products are sourced from undisclosed third-party lenders with non-transparent terms—customers should expect potentially high-cost short-term borrowing and must visit in-store to learn actual rates and conditions.
Best For
- Unbanked or underbanked consumers needing immediate check cashing or wire transfer services
- Ohio residents seeking same-day or next-day emergency cash from a physical storefront
- Customers requiring multiple financial services (check cashing + lending + bill pay) in one location
Updated 2026-04-29
More Check Cashing & Money Services
R
Richmond Check Cashing
Contact
BBB:
N
Nikki's Check Cashing
Contact
BBB:
Financial Wellness Guides
What Actually Happens When You Miss a Payment
Missed a payment? Here's exactly what happens — day by day — to your account, your credit score, and your wallet. Plus what to do right now.
Read guide →Your First Credit Card: A No-Nonsense Guide
Never had a credit card? Not sure how they actually work? Here's everything you need to know — explained like nobody's trying to sell you something.
Read guide →Borrowing Money Explained: A Plain-English Guide
Loans, credit, interest, APR — explained simply, without the financial jargon that makes your eyes glaze over.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to CheckSmart and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.