CheckIntoCashReviews 52

I first signed up with Check into Cash I believe in August. I never had done a loan before. My experience at first were great! Great customer Service. After Loan number 4 I fell into hard times and was unable to pay my loan. This was the end of September. I was offered to re loan, but I didn't want to keep re loaning over and over again, due to the high interest rate. What I wanted to do instead was make payment arrangements, and be done with loaning. I was denied the request and was told the only way payment arrangements was if my account was to go into collections. They also warned that they may still cash the check, which is understandable, since I signed off on it. I did warn them that the money will NOT be in my account. In the meantime, I contacted my bank, and she assured that as long as CIC doesn't cash my check using ACH, then it will boune and she'll take care of the rest. I called hem back, and Shawna reassured me that they don't use ACH, but manually. I told her to just let my case go to collections, and I'll work out a payment arrangement. This was early October. Fast forward to December 16th, I woke up with a NEGATIVE 390.00 on my bank account. I contacted my banker, who said an ACH check was cashed from CIC. I contacted their corporate office, and a man by the name of Dean said the check hasn't posted on their account yet. I went to my bank and it was confirmed that the check was processed. Dean lied to me. I asked Dean why collections never contacted me. That it was close to Christmas, and I only had $122.00 on my account. Had they contacted me, I would have worked out an arrangement. It was for $512.00. I would have gotten it paid off in a couple of months! Dean at that point got nasty with me and said there was nothing he could do. He insisted that the check hasn't posted on their account yet. Come to find out, the check posted on the 14th. I was NOT ONCE contacted by collections to make a payment arrangement, as promised by Check into Cash and by Dean (whom I spoke with a couple of months ago). I asked to speak with a supervisor, and was told he was gone for the day, but he was still there. This was 12pm. I understand my balance was past due, but what's upsetting was I made BOTH Check into Cash and their collections that I didn't have the money. I asked collections to contact me so I could work something out. I asked Shawna why she told me they didn't use ACH, Her explanation was Oh, that's for the state of Indiana. Check into Cash ruined my Christmas. I STRONGLY don't recommend. Try Advanced Cash. They'll actually work out a payment arrangement before sending your file to corporate/collections.
Oh, and just so you know, they do a credit check EACH time you re loan.

Applied for a $200 payday loan that would be deducted out of my checking account the next pay period. Received notification that I was approved along with an email from Credit Karma stating someone new checked my credit. Called Check into Cash and the representative stated when it is a new application, you receive a hard hit. I was LIVID! I did not read this in their fine print nor could the representative tell me where it was listed. This is not worth the headache or the points that were knocked off my credit. I cancelled the paperwork and you should to if you have applied. Better yet, DON'T APPLY AT ALL! Just tough it out!

I've been a customer of theirs since 2014. I've had over 30 short-term loans with this company, and not one single complaint.

They will 100% work with you if you're going to need a little extra time to repay your balance. Their customer service is U.S. based, which gives me tremendous peace of mind when discussing potentially sensitive financial information. I'm much happier talking to Yes, their interest rates are higher than a bank, but think about it: they're taking a TREMENDOUS risk loaning non-traditional borrowers money. A small group of borrowers never intend to repay their loans, which makes the rest of us have to pay more, so short-term lenders like this can stay operational. It sucks, but that's the way it is. Also, no one is forcing you to take a loan with them - their interest rate along with total payoff amount is disclosed 5-6 times in big freaking bold text in the paperwork that you complete before getting any money. Don't cry about their rates, they have to make money just like any other business. Banks charge you too, they just do it in sneakier ways that end up costing you a butt-load of cash anyway too.

I'm sure that some people do have legitimate gripes about these guys. This industry is a tough one to be in, and you're dealing with a different sort of client base than traditional banks. Hey, I'm a customer too - and be real, there's usually a reason we can't or don't use real banks... most of us a HORRIBLE with money. Working at this place has to be tough, always hearing sob stories, excuses, reasons for this or that, whatever. That kind of crap makes customer service people grouchy, and sometimes that grouchiness gets taken out on the customer. I'm not saying it's right, but it does happen.

Taking this all into consideration, for the industry this company is in they do a damn good job for me. I've recommended them to friends, and they too have had good experiences. I'm happy that legit places like this exist, and I hope they this particular company stays around for a long time.

Tammy, is the best at what she does. She is
Phenomenal at doing this work all by herself
She is a very nice lady

Several days ago, after my recent visit to the Redding Check n Go on Lake Avenue, while I was at McDonald's I ran into Priscilla from Check n Go. Priscilla remembered me and indicated that she thought that she had made an error and that I was owed an additional $5. I was told I could stop by and get the $5 anytime. I have to say that this impressed me because I never would have known about the mistake. So, I can really appreciate it when an employee shows their honesty and cares enough to go out of their way to remember me and both admit and correct their mistake. It's nice to know that the employees here are honest and caring enough to correct and admit to an error.

These loans are expensive and meant only for short term use. When I get desperate it is better to borrow here as they treat you with respect and I always find the reps at the check into cash on ball rd in cypress, SUPER friendly and helpful. In and out in a few minutes. To make it less painful to pay back I reloan at a lessor amount each time and so I only have to do it 3 times to get it paid back. Be smart and use them only when you really need a quick and easy but expensive solution to needing money right away without having to borrow from anyone you know.

I borrowed $125.00 from check into cash from a London Ky store, remind you I have never borrowed money from them before, when I walked the lady acted like it was her money I was borrowing and really rude, I got my money and paid it the every next week and borrowed it again... My payment was due today... I was going to go pay it until I was informed that the lady had gave every bit right down to my phone number, the place I worked, my address and the day my payment was due to another customer... So needless to say my payment didn't get paid and I will be talking to a lawyer first thing Monday morning... If I'm thinking right isn't she braking the Privacy Act I signed when I got the loan... She goes on to tell this man that she was going to call me from her cell phone and give me a piece of her mind because I had not come into pay my loan yet... I have done called the main headquarters on her and I hope how soon she looses her job, she even told this man that she wasn't allowed to be giving him this information that she would loose her job and she's couldn't afford to loose her job because she has kids. News flash Mrs. Ashley should've thought about that before you give my information to someone I know... Maybe next time you will think before you give out others personal information...

Check into cash is a total joke! My husband and I went to one of the locations the other day and the lady checked over all of our paperwork when we first went in to make sure we had all the required proper paperwork to apply for a payday loan, we completed the application and returned it to her and while we were patiently waiting for her to get all of our info put into the computer all we kept hearing from her is "I'm sorry it's taking so long, we have a new system that I'm not used to yet" finally she got right there at the end & said oh you don't have all of the required paperwork for me to complete the process, I'll also be needing copies of your tax returns from the last 2 yrs! She completely wasted over 2 hours of our time just to end up giving us the run around! By that time we were mad and irritated and just told her to forget about it we're leaving! If I could give it a ZERO rating I would!

Would not cash a check for me because my ID had Debby and the check issued had Debbie. What is the difference, really! Now had I gone in with a business suit, dressed up instead of looking like I was about to run errands and do chores, you think the outcome would have been different? FYI, you check name and ID must match, even if the name is the same and spelled slightly different. Of course, Debbie and is completely different from Debby.
Ignorant! I will never go back...

How happy I was they were willing to give me a payment extension only to find out they did not follow through and still debited my account on the original due date. They could have denied my request and it would have been less stressful. They agreed to the extension and we agreed on the date the payment would be processed, all through email exchange. A dear friend in the legal field says I may have a case against them being that I have every conversation documented. Cannot trust anyone.