Check Into Cash
200 Army Post Rd.
Des Moines, Iowa
515-287-9980
checkintocash.com
Check Into Cash is one of the most popular check-cashing and payday loan operations currently operating in the United States. With locations almost everywhere and lots of advertisements, this is a highly recognizable and well respected company that people have used for decades for a variety of financial services. As of October 2011, there are more than 1100 physical offices for this company scattered across 30 states making it very easy to find an office no matter where you are or what you’re doing.
The company mascot, “Bob Cash” is a little pile of smiling money who is very happy to see you. While that might seem a little silly, it does represent how friendly you will be treated upon entering any Check Into Cash location. The customer support specialists go out of their way to help you accomplish your immediate, short-term financial goals and are more than willing to make suggestions that may help you in the long run.
What They Offer
Check Into Cash does it all. You can get payday loans, title loans, check cashing services, “loans by phone”, Western Union, electronic bill paying, money orders and you can also purchase prepaid debit and phone cards here. Their payday loans work like most check holding loans but can be done completely online utilizing your bank account in place of physical paper checks. Paper checks aren’t very popular these days so if you don’t have any, this is a great way to take advantage of a payday loan service.
Title loans work similarly to traditional payday loans except you are required to sign your car title over to the company in return for a dollar amount you agree on. You can usually make monthly payments to keep the loan active or pay more than is required to pay it off little by little. You will usually get a lot more money immediately for this type of loan but you may pay it off for a long time.
Where They Are Located
Check Into Cash has 1100 locations in 30 states including Iowa. This is extremely convenient if you are familiar with them and wish to use their services while traveling. You can visit any location once you’re in thier system and as long as you haven’t changed jobs or residences, can get a payday loan almost instantly.
This company has a very thorough website you can use to complete everything online. You can use a PC, phone or other type of mobile device and simply fill out the application there and have a customer service representative call you back to set up the loan arrangements with you (if you qualify). You can then have the money deposited into your account or you can elect to visit an office to get cash in hand.
Rates/Terms
This company will follow all the rules of any state you’re in. If you’re in Iowa you can borrow up to $500 including any and all fees that apply to what you borrow. This usually ends up being around $450 with you paying back $500 when the loan is due. You will typically have until your next immediate payday to pay this off in full and Iowa doesn’t allow extensions though Check Into Cash may have an alternative should you need more time.
Title loan rates and terms vary greatly so if you’re planning to get a title loan, you should definitely call this company to see what they have to offer you.
Additional Info
It pays to become a member for free with this company. You may find yourself getting very low rates or special offers in the mail or e-mail at fairly regular intervals. THis can save you a bundle if you find you get payday loans frequently.
