Part of the Sam Check Cashing Machine chain · locations
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SAM Check Cashing Machine in Harper Woods, MI

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Harper Woods, MI customers visit SAM Check Cashing Machine at 19700 Kelly Rd for quick check cashing services.

Data compiled from public sources

SAM Check Cashing Machine Review

SAM Check Cashing Machine at 19700 Kelly Rd in Harper Woods, MI is a standalone check-cashing store serving the local community. Located on Kelly Road, this Harper Woods location offers convenient check cashing services Monday through Saturday from 8AM to 9PM, with Sunday hours from 8AM to 8PM, making it accessible for most schedules.

This Harper Woods SAM Check Cashing Machine location provides reliable check cashing services for personal, business, and government checks. Customers can reach the Kelly Road location at 313-527-3550 to confirm current services, ask about acceptable forms of ID, or discuss any questions about the check cashing process.

If you're a Harper Woods resident needing to cash a check, bring a valid government-issued ID to the Kelly Road location—this is required for all check-cashing transactions. SAM provides quick, straightforward check cashing without the lengthy bank procedures.

Services & Features

Check cashing services
Email-based customer support
Emergency cash access
In-person loan processing at Harper Woods location
Online loan applications
Payday loans (amounts $100–$2,500)
Phone-based customer support
Same-day or next-business-day funding (claimed, not verified)

Feature Checklist

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

Pros & Cons

Pros

  • Extended operating hours (8 AM–9 PM most days, 8 AM–8 PM Sundays) accommodates working and non-traditional schedules
  • Online application option available through their website for remote loan requests
  • Loan amounts up to $2,500 provide flexibility beyond minimum $100 starting point
  • Local physical location in Harper Woods allows in-person service and relationship building
  • Claims 24/7 customer support availability via email for account inquiries
  • Simple online form advertised for fast access to funds with no complex initial barriers

Cons

  • No disclosed interest rates, APR, or fee structure on website—critical transparency gap for payday lending
  • Minimal information about loan terms, repayment schedules, or eligibility requirements
  • No details on approval timeline or actual funding speed despite 'fast access' claims
  • Limited online presence and outdated website design suggests weak digital infrastructure
  • No customer reviews, ratings, or third-party verification visible to assess service quality

State Consumer Finance Context

This is state-level context for Check Cashing & Money Services consumers in Harper Woods, MI. It does not confirm that SAM Check Cashing Machine or this specific location is licensed.

State regulator

Michigan Department of Insurance and Financial Services

Money services context in Michigan

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.

Key state rules to check

  • Payday loans (deferred presentment) capped at $600 with tiered fees: 15% first $100, 14% on $100-$200, 13% on $200-$300, etc.
  • Maximum loan term is 31 days; rollovers prohibited.
  • Borrowers limited to one payday loan at a time.

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 SAM Check Cashing Machine offer?

SAM Check Cashing Machine offers 8 services including Payday loans (amounts $100–$2,500), Check cashing services, Online loan applications, In-person loan processing at Harper Woods location, Phone-based customer support, and 3 more.

What profile signals are listed for SAM Check Cashing Machine?

SAM Check Cashing Machine has profile signals associated with Customers in Harper Woods/Detroit metro area who prefer in-person interactions and same-day processing, Workers with non-traditional schedules who need access during extended evening and weekend hours, Borrowers seeking small emergency loans ($100–$500) with rapid turnaround.

What are the strengths and weaknesses of SAM Check Cashing Machine?

Key strengths: Extended operating hours (8 AM–9 PM most days, 8 AM–8 PM Sundays) accommodates working and non-traditional schedules; Online application option available through their website for remote loan requests; Loan amounts up to $2,500 provide flexibility beyond minimum $100 starting point. Areas to consider: No disclosed interest rates, APR, or fee structure on website—critical transparency gap for payday lending; Minimal information about loan terms, repayment schedules, or eligibility requirements.

How does SAM Check Cashing Machine compare to similar companies?

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.

Quick Facts

Headquarters
19700 Kelly Rd, Harper Woods, MI 48225
BBB Accredited
No
Visit SAM Check Cashing Machine

CreditDoc Profile Note

Research Note on SAM Check Cashing Machine

S.A.M. Check Cashing Machine is best suited for Harper Woods-area residents needing quick emergency cash and who prefer in-person service during extended hours. The critical caveat is the complete absence of disclosed loan terms, interest rates, and fees on their website—essential information that must be obtained directly before committing to any application.

Profile Signals

  • Customers in Harper Woods/Detroit metro area who prefer in-person interactions and same-day processing
  • Workers with non-traditional schedules who need access during extended evening and weekend hours
  • Borrowers seeking small emergency loans ($100–$500) with rapid turnaround
Updated 2026-05-08

Similar Companies

Big Check Cashing logo

Big Check Cashing

Detroit-based check cashing service specializing in large checks including tax refunds, settlements, and 401(k) disbursements with same-day cash access.

BBB: NR

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 logo

Boulevard Check Cashing

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.

BBB: NR

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

Check Cashing Etc. logo

Check Cashing Etc.

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.

BBB: NR

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

Compare Your Needs With SAM Check Cashing Machine

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Quick Summary

  • SAM Check Cashing Machine is listed as a Check Cashing & Money Services provider in Harper Woods, MI 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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