Check Into Cash
- Company typePrivate
- Founded1993
- HeadquartersCleveland, United States
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
Check Into Cash firmographics
Firmographics- Name
- Check Into Cash
- Legal name
- Check Into Cash
- Website
- https://CheckIntoCash.com
- Company type
- Private
- Founded year
- 1993
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Ownership category
- akta.pro rank
Check Into Cash industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Sales Financing (52222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Check Cashing with Deferred Presentment (FSAKAMAL)
- akta.pro secondary industries
- Cash Advance (Online & Storefront) (FSAKAMAC), Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)
Keywords
Where Check Into Cash is headquartered
LocationHeadquarters
- HQ city
- Cleveland
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Check Into Cash business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain, Others
Revenue model
- Payday and Short-term Loans: Short-term consumer loans with fees charged based on loan amount and state regulations. Repaid on borrower's next pay date. Revenue generated through interest and fees on the principal loan amount.
- Installment Loans: Larger loans with longer repayment terms, generating revenue through interest and fees spread across multiple installments.
- Title Loans: Secured loans using vehicle titles as collateral. Revenue from interest and fees calculated on the loan principal.
- Financial Services: Check cashing fees, Western Union money transfer services, money orders, bill payment services, and Green Dot debit card partnerships generate ancillary fee revenue.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Payday Loans - Short-term small-dollar loans |
| Transaction based/ take rate | Monthly | Installment Loans - Larger amounts with longer terms |
| Transaction based/ take rate | Monthly | Title Loans - Vehicle title collateral |
| Transaction based/ take rate | Pay-as-you-go | Flex Line of Credit - Revolving credit limit |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Check Into Cash product offering
Product offeringCore offering
Check Into Cash is a U.S. consumer financial services retailer offering small-dollar credit products — payday loans, installment loans, title loans, and a Flex Line of Credit — alongside ancillary services such as check cashing, Western Union money transfers, money orders, bill pay, tax preparation, Green Dot Visa debit cards, and gift card buyback. The company operates more than 200 physical retail storefronts across 15 states, with an online application funnel that funnels borrowers into in-store completion and cash disbursement.
Product overview
Check Into Cash operates as a diversified financial services retail chain offering a portfolio of loan products and ancillary financial services. The core loan products include Payday Loans (short-term, single-payment loans), Installment Loans (longer-term, scheduled payments), Title Loans (vehicle-collateralized loans), and a Flex Line of Credit (revolving credit). These lending products are complemented by a suite of non-loan services including check cashing, Western Union money transfers, tax preparation, Green Dot Visa debit card banking, bill pay, money orders, and gift card buyback. The company operates over 200 physical store locations across 15 states, positioning itself as a 'One Stop Money Shop' that combines both traditional storefront lending and essential financial services for underbanked consumers.
Differentiator
Problem solved
Functional benefit
Products and services
- Payday Loans Short-term loans designed to help borrowers cover small, unexpected expenses, typically repaid on the borrower's next pay date.
- Installment Loans Larger loans with extended repayment terms and lower periodic payments, repaid in scheduled installments over time.
- Title Loans Secured loans using the borrower's vehicle title as collateral; the title is returned upon final payment.
- Flex Line of Credit Revolving credit account allowing borrowers to access funds as needed up to their established credit limit, with flexible borrowing and repayment options.
- Check Cashing In-store check cashing service that accepts a wide variety of checks, including some that other services may decline.
- Western Union Money Transfer International and domestic money transfer service enabling customers to send funds globally through the Western Union network.
- Tax Preparation In-store tax preparation services provided to help customers with their tax filing needs.
- Green Dot Visa Debit Card Banking product offered in partnership with Green Dot Bank, providing a checking account with debit card functionality, early direct deposit, and 24/7 access.
- Bill Pay In-store bill payment service allowing customers to pay multiple monthly bills using cash at participating store locations.
- Money Orders Cash purchase of money orders at participating store locations, providing a secure payment alternative.
- Gift Card Buyback Gift card buyback service where Check Into Cash purchases new and used gift cards from major retailers.
Quantifiable outcome
- Approval in minutes
- +1 more outcomes
Companies that use Check Into Cash
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Check Into Cash technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Check Into Cash partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- Western UnioncoreCheck Into Cash serves as an authorized delegate of Western Union Financial Services, Inc., offering Western Union money transfer and money order services at participating store locations. This partnership enables customers to transfer money domestically and internationally. In Texas, the company engages in money transmission business as an authorized delegate of Western Union Financial Services, Inc. under Chapter 151 of the Texas Finance Code.
- Green DotcoreCheck Into Cash offers Green Dot Visa debit cards in stores, enabling customers to open checking accounts for shopping, bill payments, and direct deposit. Cards feature early direct deposit availability (up to 2 days early), mobile app access, and fee-free ATM withdrawals at network ATMs. Green Dot cards are issued by Green Dot Bank, Member FDIC.
- Online Lenders AllianceminorCheck Into Cash is a proud member of the Online Lenders Alliance (OLA), a trade organization for consumer lending. OLA membership includes consumer resources and the OLA seal indicating industry compliance and standards.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
Check Into Cash competitors and assessment
Company assessmentEmerging players
- Dave: Mobile app offering small-dollar cash advances, budgeting tools, and banking to paycheck-to-paycheck workers; directly competes for the same primary customer segment via digital channels.
- MoneyLion: Digital-first consumer finance platform offering cash advances, credit, banking, and investing to underbanked consumers; competes for the same demographic via a different (mobile-first) channel.
Others
- Western Union: Strategic partner and authorized principal; adjacent as the dominant global money-transfer network whose services Check Into Cash distributes in-store, sharing overlap in the underbanked-customer ecosystem.
- Green Dot Corporation: Strategic partner issuing the Visa debit cards Check Into Cash distributes; adjacent as a bank-fintech serving the underbanked segment through retail and digital channels.
Direct peers
- ACE Cash Express: Direct competitor offering payday, installment, and title loans plus check cashing and prepaid debit cards; named alongside Check Into Cash as one of three dominant payday lending brands.
- Curo Group Holdings: Multi-channel consumer finance company providing payday, installment, and line-of-credit products online and through retail; directly comparable in product breadth and target customer.
- World Acceptance Corporation: Installment loan specialist serving subprime consumers in physical branch locations; comparable in-store, subprime-borrower focus and installment loan product set.
- Speedy Cash: Operates both online and retail storefronts offering payday, installment, title, and line-of-credit products to underbanked consumers in similar U.S. geographies.
- Advance America: Largest U.S. payday and installment lender with thousands of storefronts; directly comparable in product mix, customer segment, and physical-store distribution model to Check Into Cash.
Broad incumbents
- EZCORP: Pawn lending and related consumer financial services operator with physical stores; comparable in-store, underbanked-customer model and small-dollar credit product, though anchored in pawn rather than payday.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Check Into Cash social profiles
Digital presenceCheck Into Cash compliance and trust
Trust signalCompliance3 records
Check Into Cash financial estimates
Financial estimateRevenue estimate
Valuation estimate
Check Into Cash leadership team
Management profileNumber of profiles
Profiles3 records
Check Into Cash funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Check Into Cash M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Check Into Cash
What does Check Into Cash do?
Check Into Cash is a U.S. consumer financial services retailer offering small-dollar credit products — payday loans, installment loans, title loans, and a Flex Line of Credit — alongside ancillary services such as check cashing, Western Union money transfers, money orders, bill pay, tax preparation, Green Dot Visa debit cards, and gift card buyback. The company operates more than 200 physical retail storefronts across 15 states, with an online application funnel that funnels borrowers into in-store completion and cash disbursement.
Is Check Into Cash a public or private company?
Check Into Cash is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Check Into Cash founded?
Check Into Cash was founded in 1993. It employs 1,001 to 5,000 people.
Where is Check Into Cash based?
Check Into Cash is headquartered in Cleveland, United States, in the North America region.
How does Check Into Cash make money?
Four revenue lines are on record. Payday and Short-term Loans are the primary driver. The others are installment Loans, title Loans and financial Services.
Who are Check Into Cash's main competitors?
Emerging players on record are Dave and MoneyLion. Others are Western Union and Green Dot Corporation. Direct peers are ACE Cash Express, Curo Group Holdings, World Acceptance Corporation, Speedy Cash and Advance America. EZCORP is listed as a broad incumbent.
Does Check Into Cash have an API?
No public API is recorded for Check Into Cash.
What industry is Check Into Cash in?
Check Into Cash's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAMAL, Check Cashing with Deferred Presentment, with a secondary code of FSAKAMAC, Cash Advance (Online & Storefront). Its NAICS code is 52222 and its SIC code is 6141.