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Part of the Sam Check Cashing Machine chain · locations
SAM Check Cashing Machine in Oklahoma City, OK
In Oklahoma City, OK, SAM Check Cashing Machine at 4301 S May Ave offers quick check cashing and money transfer services with extended daily hours.
Data compiled from public sources · Rating from CreditDoc methodology
SAM Check Cashing Machine Review
Located at 4301 S May Ave in Oklahoma City, OK, SAM Check Cashing Machine is a standalone storefront serving the South Oklahoma City community. Open Monday through Sunday from 6AM to 10PM, this location provides extended hours to accommodate busy schedules. The dedicated space on May Avenue makes it easy to stop by for quick check cashing and money transfer services.
This Oklahoma City location offers check cashing for personal and payroll checks, money transfer services, bill payments, and payday/title loan options. Call the May Avenue branch at 405-685-7451 to ask about specific services, current fees, or to verify what forms of ID you'll need to bring. The staff can answer questions about available loan products and help you find the service that fits your immediate financial need.
If you need quick cash in Oklahoma City, this South May Avenue location is open when traditional banks aren't—early mornings and late evenings included. Bring a valid government-issued ID and the check you want to cash to ensure a smooth transaction. SAM Check Cashing Machine serves as a convenient alternative to traditional banks for time-sensitive financial needs.
Services & Features
7-day-per-week availability
Check cashing services
Email customer support
Extended operating hours (7 AM–10 PM daily)
Fast funding/quick access to funds
In-person lending services
Loan amount customization ($100–$2,500 range)
Online loan applications
Payday loans ($100–$2,500)
Weekend and holiday service
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Extended hours: Open 7 AM–10 PM seven days a week, including weekends and holidays
- Wide loan range: Offers $100 to $2,500 in funding to accommodate different needs
- Online application: Simple online form available for convenience and potentially faster processing
- Fast access: Positioned as quick-access lending with same-day or rapid funding capability
- Accessibility: Operating in Guthrie with 24/7 customer support contact availability
- Multiple service channels: Combination of in-person and online lending options
Cons
- No APR/fee transparency: Website lacks specific information about interest rates, fees, or true cost of borrowing
- Payday loan risks: Short-term lending model typically carries high annualized costs and rollover debt risk
- Minimal customer reviews: Listing shows no customer testimonials or ratings to verify service quality
- Limited company information: Scarce details about underwriting standards, credit requirements, or loan terms
- Generic terms: Website uses templated language common to payday lender sites, reducing specificity and trust
Rating Breakdown
Value 2.0
Effectiveness 1.0
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
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Frequently Asked Questions
Is SAM Check Cashing Machine legitimate?
Yes. SAM Check Cashing Machine is a registered company, headquartered in 4301 S May Ave, Oklahoma City, OK 73119.
Quick Facts
- Headquarters
- 4301 S May Ave, Oklahoma City, OK 73119
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on SAM Check Cashing Machine
SAM Check Cashing Machine is best for consumers experiencing cash flow emergencies who need rapid access to small loans outside traditional banking hours. The primary caveat is the absence of transparent fee and APR information, which is critical for payday loan evaluation—borrowers should request complete terms before committing and carefully consider whether short-term, high-cost lending fits their financial situation.
Best For
- Consumers needing cash between paychecks for emergency expenses
- Individuals seeking extended-hours check cashing services on weekends or evenings
- Borrowers with limited access to traditional bank products
- People seeking quick online application processes for rapid funding
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Compound Interest
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Why it matters
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
How Loans Work
Collateral — Loan Collateral
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Why it matters
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
Fees & Costs
Late Fee — Late Payment Fee
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
Why it matters
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
NSF Fee — Non-Sufficient Funds Fee
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
Why it matters
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Why it matters
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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