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USA Check Center (formerly Check Center)
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BBB:
Part of the Checksmart chain · locations
CheckSmart in Tempe, AZ
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 · Rating from CreditDoc methodology
CheckSmart Review
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.
Services & Features
Bill payment
Check cashing
Get Directions / store locator
Gift card exchange for cash
Green Dot Visa Debit Card (in-store issuance)
In-store loan application assistance
Money orders
Online appointment scheduling
Third-party short-term loan products (Ohio only)
Wire transfers
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- 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
- Gift card exchange for cash offered in-store
- Extended Friday hours (8 AM–8 PM) compared to standard days
- Multiple Columbus-area locations plus regional Ohio coverage
- Clear pre-visit document checklist provided on the website
Cons
- 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-person only model — no indication of fully online loan applications
- Ohio-only footprint limits accessibility to out-of-state residents
- Shortened Sunday hours (11 AM–5 PM) may be inconvenient for some customers
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 131 E Southern Ave, Tempe, AZ 85282.
Quick Facts
- Headquarters
- 131 E Southern Ave, Tempe, AZ 85282
- 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 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.
Best For
- 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
Updated 2026-04-29
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