United Check Cashing
155 N Dupont Hwy Unit 1 #1
Dover, DE
(302) 677-0070
unitedcheckcashing.com
United Check Cashing is based in PA but has offices in 20 different states as of 2011. This company is a full service check cashing and payday loan company that has been in business since 1977. This company takes pride in offering customers a comfortable setting in their physical offices as well as allowing them to handle most of their business through their websites.
United Check Cashing realizes the need for payday loans especially in today’s economically difficult times. The money you borrow can be used for anything you like from paying bills to taking a short vacation.
What They Offer
Like most similar businesses, this company allows you to get payday loans, cash checks, wire money, pay bills, purchase pre-paid debit cards and phone cards and even help with tax preparation during the spring. Traditional payday loans through this company will consist of you filling out an application then speaking with one of their representatives. You will decide on how much you need to borrow and when you’ll be able to pay it back. This typically has a $500 limit in Delaware and can be paid back for up to 60 days.
Where They Are Located
In Delaware, you can find offices for this company in Bear, Claymont, Dover, Milford, New Castle, Newark and Wilmington. If you don’t live near one of these cities, you have the freedom to complete the entire application process on the website or over the phone.
The website doesn’t feature a lot of graphics so if you have a mobile device, computer or a newer phone you should be able to access it and complete the application no matter where you are or what you’re doing. This can be beneficial if you’re on vacation or traveling and something happens where you need some extra cash fast.
Rates/Terms
The exact rates and terms for payday loans are not listed on the website and it says you will need to contact them to learn exactly what the rates and terms will be for your specific loan amount. Naturally, the more you borrow, the higher the fees will be. In the state of Delaware, average payday loans have a limit of $500 at the maximum along with some finance charges that could be as little as $20 per $100 borrowed.
As this company loans you money directly, there will not be any hidden charges or fees like you may find with companies that only act as a go-between for other, larger payday loan companies.
Additional Info
The website features a lot of helpful tips to encourage you to manage your finances a little bit better. Many of these tips are very simple but often overlooked by people struggling to work, pay bills and take care of their families.
