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Tempe, AZ's CheckSmart at 131 E Southern Ave offers check cashing, payday loans, and money transfer services for local residents.
Data compiled from public sources
CheckSmart's Tempe location at 131 E Southern Ave is a standalone check-cashing store serving the Tempe, AZ community. The store is open Monday and Friday 9AM–7PM, Tuesday through Thursday 9AM–6PM, and Saturday 10AM–4PM, with convenient access for South Tempe residents needing quick financial services.
This Tempe CheckSmart location provides check cashing, payday loans, wire transfers, and money order services. Call +1 480-966-1771 to confirm current offerings or ask about services before visiting.
When visiting this Tempe, AZ location, bring a government-issued ID and your check or identification. CheckSmart serves Tempe residents who need fast, reliable access to check cashing and short-term lending without the wait times of traditional banks.
This is state-level context for Check Cashing & Money Services consumers in Tempe, AZ. It does not confirm that CheckSmart or this specific location is licensed.
State regulator
Arizona Department of Insurance and Financial Institutions
Consumer protection
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.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
CheckSmart offers 10 services including Check cashing, Money orders, Wire transfers, Bill payment, Green Dot Visa Debit Card (in-store issuance), and 5 more.
CheckSmart has profile signals associated with Unbanked or underbanked Ohio residents who need in-person check cashing or money services, Consumers who need multiple financial services — cashing, bill pay, wire transfer — in a single visit, People who prefer face-to-face assistance when applying for a short-term loan, Customers looking to exchange gift cards for cash or obtain a prepaid debit card.
Key strengths: Multiple financial services available under one roof — check cashing, money orders, wire transfers, and bill pay; Online appointment scheduling available to reduce in-store wait times; Green Dot Visa Debit Card obtainable in-store — useful for unbanked customers. Areas to consider: CheckSmart is not a direct lender — loans come from an unnamed third-party lender, so terms and rates are not controlled by CheckSmart; No loan rate, APR, or fee information disclosed on the location page.
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.
CreditDoc Profile Note
CheckSmart is profile signals for Ohio residents who need a physical location for check cashing, money orders, wire transfers, or bill pay — potentially combined with a short-term loan referral. The primary caveat is that CheckSmart does not lend directly; loan terms and rates are set by an unaffiliated third party and are not disclosed upfront, so cost-conscious borrowers should ask about rates before committing.
760 N Country Club Dr in Mesa, AZ, this ACE Cash Express provides check-cashing and cash advance services.
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
MoneyGram location at Amigo Check Cashing offering check cashing, money transfers, and cash services in Avondale, AZ with extended daily hours.
Profile signals: Consumers needing after-hours check cashing on weekends or evenings, Individuals requiring quick money transfers without a bank account
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.
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
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