Check Into Cash Reviews | What You Need to Know About Check-Into-Cash. Is it Legit? A Scam?
While short-term lending has existed since before recorded history, the modern form of payday loans only really started in the 1990s. The rise of the internet and changes in financial institutions allowed payday lenders to boom. Now, more than 12 million Americans every year use payday loans to meet their short-term financial needs.
Although many people have positive experiences with payday loans, there is also a dark side to the industry.
There are high interest rates throughout the industry, as well as plenty of fraudulent operators and so-called “loan sharks.” Even businesses that operate legally can sometimes have controversial and negative policies.
Image Source: Check Into Cash Reviews
That’s why many Americans want to know more about a payday lender before trusting them. AdvisoryHQ looked at one of America’s first payday lenders to provide you with a Check Into Cash review. We looked at Check Into Cash customer reviews as well as doing our own research into the company. Is Check Into Cash legit? Here, we provide you with what we learned.
What Is Check Into Cash?
There are plenty of Check Into Cash reviews out there, but not all of them are in-depth. Our Check Into Cash review takes a look at the business not just through its services, but also its history, asking the question, “What is Check Into Cash?”
offers payday loans and title loans (title pawns in some states). These are advertised as helping customers raise short-term money with short term repayment plans. Check Into Cash has been hailed as “the first payday lender,” setting up for business more than 20 years ago in 1993.
Although the business of short term lending wasn’t new back then, their methods were. Now, Check Into Cash operates over 1,000 stores across 30 states and remains one of the biggest payday lenders in the U.S.
This raises some interesting questions. Considering what payday loans have become, and their reputation, is Check Into Cash legit if it started all of this? At the same time, what is Check Into Cash doing that has helped it last so long? Is Check Into Cash safe, or are they using their position to prey on the weak, as some detractors might comment? These are the questions we hope to answer.
Is Check Into Cash Legit?
Check Into Cash customer reviews give us some of the best evidence of what Check Into Cash is doing, and whether they are offering a legitimate service. However, our Check Into Cash review is also going to take a look at their website and history to see how their service operates.
Image Source: Check Into Cash
The first warning sign comes from their website homepage: our browser indicated that the Check Into Cash site might not be secure. Curious, we did a little digging. It turns out that there isn’t much to worry about: their security certificate is an older form of encryption, but still technically encrypted. Preferably they should update it, but at least they have something.
Next, we turned to Check Into Cash customer reviews to see if there were reports of wrongdoing, fraud, or general poor behavior. Although there were a lot of complaints about their customer service, I couldn’t find a customer review that spoke of being conned. Other Check Into Cash online reviews didn’t have any evidence to suggest that they weren’t legit either.
Is Check Into Cash Safe?
Most Check Into Cash reviews focus only on the services that the business offers. This means looking at the values of their loans and quality of service. Our Check Into Cash review looks at something far more important: is Check Into Cash safe?
The browser security warning gave us pause. While it does allow Check Into Cash customers to transmit data safely, the outdated form of encryption has become easy to bypass. It would be safer if they updated their security to make sure that your details can’t be stolen. Of course, this is only a problem with their online service.
None of the Check Into Cash reviews we came across mentioned that their service might be unsafe in other ways, though. Check Into Cash customer reviews focused on customer service, with no reports of stolen details. Other Check Into Cash online reviews didn’t mention safety breaches.
It’s wise to be wary of what information you give away. Check Into Cash requires certain sensitive information, like your Social Security Number, in order to give you a loan. However, make sure that when you give this sort of information that you’re actually dealing with Check Into Cash; pretending to be someone else is how a lot of hackers can gain access to your data.
Overall, though, it seems that Check Into Cash is safe.
What Is Check Into Cash Service Like?
A lot of Check Into Cash customer reviews focused on poor service, while other Check Into Cash reviews looked at the general quality of services they offer. Our Check Into Cash review looks at both: what value will you be getting from Check Into Cash, and how easy is it to use?
Because Check Into Cash has so many stores, the customer service in one store isn’t always going to reflect the customer service in another. However, Check Into Cash customer reviews on sites such as Yelp, SiteJabber and Supermoney, picked up on the same problems with customer service — Slow service times, unhelpful staff and a lot of hassling texts, phone calls, and messages — which is worrying.
Constant, unwanted communication was one of the biggest problems among Check Into Cash customer reviews, with people worrying that it made Check Into Cash seem overbearing, or too keen to collect. Customers who paid on time still received these messages quite regularly, making them feel untrusted.
Positive Check Into Cash customer reviews mentioned that they do their job well if all you’re after is a payday loan. For many customers, Check Into Cash reviews their information quickly, and they are able to apply for a loan within just a few minutes. Others complained of much longer wait times, though, so this can vary.
Comparing Check Into Cash Services
Most people look to Check Into Cash reviews to compare their services to other payday loan companies, and our Check Into Cash review is no different. What is Check Into Cash doing better than the competition, and what is it doing worse?
Comparing Check Into Cash with its competitors is sometimes difficult, since it operates across so many states, each of which have their own interest rates. Sometimes you’ll get a much better deal; sometimes it will be equal with everything else. However, interest rates are still generally competitive no matter where you live.
Check Into Cash also offers the flexibility of applying online or in-store, whichever is easiest for you. Because of this, many Check Into Cash reviews rate its services quite highly. However, some states don’t have in-store locations, and some don’t offer online services, so check on their website before committing yourself to a choice.
Check Into Cash Review of Ethics and Responsibility
A final thought on the question of “Is Check Into Cash legit?” is to think about how ethically they conduct their business. How well is the process explained? How pushy are the sales? Does it target people who probably can’t pay back? How does it deal with customers who can’t pay back?
Given that we’ve seen no Check Into Cash customer reviews that mention either way, we can only look at their own business activity and site to answer this question.
According to their “About Us” page, Check Into Cash is a founding member of the CFSA, which helps set out guidelines for how payday lenders should advertise their products ethically. They make it quite easy to figure out how the process works, how much you will have to pay back, and when it will be due. They’re open about their intentions, they follow CFSA guidelines, and their language doesn’t seem to push people too much who aren’t ready for it.
What Is Check Into Cash Going to Do For You?
Some Check Into Cash reviews and Check Into Cash customer reviews took a negative approach due to issues with some of their services. Some negatives included high interest rates, too-short repayment terms, or extra administration fees.
These may be valid concerns, but they are similar to what most other payday lenders offer. Before seeking their services, you have to ask yourself, “What can Check Into Cash going to do for me?” Most Check Into Cash customer reviews were positive, when they were from customers just looking for a payday loan. If that’s not what you’re looking for, maybe Check Into Cash isn’t for you.
Check Into Cash Review Summary
Check Into Cash seems to be legit and safe to use. If you’re looking for a payday loan, they’re easy to use and trustworthy. Our Check Into Cash review is based on our own research into the business from a neutral standpoint. Whether you use them is up to you, but hopefully our review has helped you better understand what you need and whether Check Into Cash can provide it.
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