No stored Google rating available.
Ray's Check Cashing is a community-focused check cashing service in Detroit, MI offering quick, reliable financial transactions with friendly, transparent service.
Data compiled from public sources
Ray's Check Cashing operates as a neighborhood financial service provider located at 13746 Gratiot Ave in Detroit, Michigan. The business is independently owned and operated, positioning itself as a personal alternative to larger banking institutions for residents needing check cashing services. The company emphasizes personalized customer interaction and local community presence.
Ray's Check Cashing offers check cashing services for various check types and money orders. According to their business profile, they handle signed cashier's checks and provide reliable transaction processing. The company also addresses common questions about ID requirements and check cashing eligibility, indicating willingness to work with customers on individual circumstances.
What distinguishes Ray's Check Cashing is its reputation for customer service quality and operational efficiency. Reviews consistently highlight fast service turnaround, competitive pricing compared to competitors, and listed fee communication. Staff members are described as friendly and helpful, with customers noting the welcoming atmosphere and personable assistance. The business maintains convenient parking and extended hours including Sunday service.
However, prospective customers should note that Ray's Check Cashing appears limited to check cashing and money order services without diversified financial product offerings. The business profile explicitly indicates limited options beyond their core service area. Additionally, while the company emphasizes transparency, specific fee schedules are not detailed on their public-facing materials, requiring direct contact for pricing information. The business has not yet completed verification through the platform, and security measures are not documented in available customer feedback.
This is state-level context for Check Cashing & Money Services consumers in Detroit, MI. It does not confirm that Ray's Check Cashing or this specific location is licensed.
State regulator
Michigan Department of Insurance and Financial Services
Consumer protection
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.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Ray's Check Cashing offers 7 services including Check cashing for personal checks, Cashier's check cashing, Money orders, Quick check processing and fund disbursement, Check cashing with non-matching ID address consultation, and 2 more.
Ray's Check Cashing has profile signals associated with Detroit-area residents needing quick, same-day check cashing without bank accounts or lengthy processing, Customers preferring personal, community-focused service over large institutional banking alternatives, Those seeking listed fee communication and friendly customer interactions for financial transactions.
Key strengths: Fast check cashing turnaround compared to other establishments, with customers praising quick service; Competitive pricing and fees with customers noting excellent value for services rendered; listed communication about processes without hidden agendas or unclear pricing practices. Areas to consider: Limited service diversity—operates exclusively in check cashing and money orders with no expanded financial product offerings; Specific fee schedules and pricing transparency are not publicly documented; customers must contact directly for rates.
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.
CreditDoc Profile Note
Ray's Check Cashing is profile signals for Detroit-area residents who need straightforward, fast check cashing services with personalized customer service and prefer local, community-based alternatives to banks. The primary caveat is that this business offers only check cashing and money orders—not broader financial services—and detailed fee information requires direct contact rather than being publicly disclosed.
Detroit-based check cashing service specializing in large checks including tax refunds, settlements, and 401(k) disbursements with same-day cash access.
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 offers check cashing services in Detroit, MI, located next to Henry Ford Hospital. They cash checks and provide discount coupons for larger deposits.
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
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.
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
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
Cash advances are expensive. Here are cheaper, faster ways to cover an emergency expense without getting trapped in a debt cycle.
Read guide →Balance transfer cards can save you money on interest, but fees to verify and deadlines catch people off guard. Here's how to use them the right way.
Read guide →A parent's guide to teaching teenagers about money, credit, and financial decisions before they leave home — covering the skills schools skip.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Ray's Check Cashing and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.