For rates and terms in your state of residence, please visit our Rates and Terms page. As a member of CFSA, Check Into Cash abides by the spirit of the Fair Debt Collection Practices Act (FDCPA) as applicable to collect past due accounts. Delinquent accounts may be turned over to a third party collection agency which may adversely affect your credit score. Non-sufficient funds and late fees may apply. Automatic renewals are not available. Renewing a loan will result in additional finance charges and fees.
In Texas, Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party. Speedy Cash engages in the money transmission business as an authorized delegate of Western Union Financial Services, Inc. under Chapter 151 of the Texas Finance Code. Speedy Cash engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. and Western Union Financial Services under Chapter 151 of the Texas Finance Code.
A: When you need cash now, this question is probably top of mind! The amount of time it will take to receive your money depends on how you choose to apply, and how you would like to receive your cash. Speedy Cash is proud to offer a number of different funding options so that you can select how to receive your loan funds – including instant payday loan options.

Payday loans are designed to help people cover short-term cash needs until their next payday. Also referred to as cash advances, payday loans can be a practical and secure way to tide you over when unexpected expenses crop up. If you have expenses related to an auto accident, emergency medical expenses, or other unexpected bills, a cash advance could help you bridge the gap.
In many cases, borrowers write a post-dated check (check with a future date) to the lender; if the borrowers don't have enough money in their account by the check's date, their check will bounce. In Texas, payday lenders are prohibited from suing a borrower for theft if the check is post-dated. One payday lender in the state instead gets their customers to write checks dated for the day the loan is given. Customers borrow money because they don't have any, so the lender accepts the check knowing that it would bounce on the check's date. If the borrower fails to pay on the due date, the lender sues the borrower for writing a hot check.[33]
NM Residents: This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website http://www.rld.state.nm.us/financialinstitutions/.

A payday loan is a small dollar short-term advance used as an option to help a person with small, often unexpected expenses. Payday Loans are short-term in nature and not intended to be used long-term or for larger purchases like a home or a car. They are a safe and convenient way to allow a customer to stretch their buying power and help cover small, unplanned expenses. Whether you’re suffering from seasonal expenses like holiday bills and back to school costs or you need help with unexpected bills, or repairs, Check Into Cash can help.


The CFPB has issued several enforcement actions against payday lenders for reasons such as violating the prohibition on lending to military members and aggressive collection tactics.[67][68] The CFPB also operates a website to answer questions about payday lending.[69] In addition, some states have aggressively pursued lenders they felt violate their state laws.[70][71]
1. All loans subject to approval pursuant to standard underwriting criteria. Rates and terms will vary depending upon the state where you reside. Not all consumers will qualify for a loan or for the maximum loan amount. Terms and conditions apply. Loans should be used for short-term financial needs only, and not as a long-term solution. Customers with credit difficulties should seek credit counseling.​ ACE Cash Express, Inc. is licensed by the Department of Business Oversight pursuant to Financial Code Section 23005(a) of the California Deferred Deposit Transaction Law. Loans in Minnesota made by ACE Minnesota Corp. Loans in Ohio arranged by FSH Credit Services LLC d/b/a ACE Cash Express, CS.900100.000, and made by, and subject to the approval of, an unaffiliated third party lender. Loans in Texas arranged by ACE Credit Access LLC and made by, and subject to the approval of, an unaffiliated third party lender. ACE Cash Express, Inc. is licensed by the Virginia State Corporation Commission, PL-115.

The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.

*You must be 18 years or older, a Florida resident, and you cannot have any outstanding cash advances with Amscot or any other provider. Some restrictions apply. Getting started online by clicking the Get Started Now button does not constitute an online application, to apply you must come into an Amscot branch location. If your check is dishonored a return check fee and non-sufficient funds fees may apply. As a member of CFSA, Amscot abides by the Fair Debt Collection Practices Act, as applicable, to collect past due accounts. Non-payment does not affect your credit score. Amscot does not offer automatic renewals. APR 271.14% to 365.00%. APR example provided is representative range based on a fourteen (14) day hold period with one payment. Amscot is licensed by the Office of Financial Regulation pursuant to Florida law governing Money Service Businesses. CUSTOMER NOTICE: There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive.


Notice to Texas and Ohio Customers: In Texas and Ohio, RISE is a Credit Services Organization/Credit Access Business operating in accordance with each state’s applicable Credit Services Organization Act. In Ohio, RISE Credit Service of Ohio, LLC d/b/a RISE is licensed by the Department of Commerce, Division of Financial Institutions Certificate No. CS.900086.000. In Texas, RISE Credit Service of Texas, LLC d/b/a RISE is licensed by the Office of the Consumer Credit Commissioner, License No. 16507-62536. RISE is not the lender or a fiduciary of the lender.
Payday loans are also much more expensive than other methods of borrowing money. In most cases, the annual percentage rate (APR) on a payday loan averages about 400%, but the APR is often as high as 5,000%. APRs for credit cards can range from about 9% to 30%; personal loans generally have lower APRs than credit cards. If possible, it is better to use a credit card or tap into your savings in the event of an emergency.
In US law, a payday lender can use only the same industry standard collection practices used to collect other debts, specifically standards listed under the Fair Debt Collection Practices Act (FDCPA). The FDCPA prohibits debt collectors from using abusive, unfair, and deceptive practices to collect from debtors. Such practices include calling before 8 o'clock in the morning or after 9 o'clock at night, or calling debtors at work.[32]

A staff report released by the Federal Reserve Bank of New York concluded that payday loans should not be categorized as "predatory" since they may improve household welfare.[45] "Defining and Detecting Predatory Lending" reports "if payday lenders raise household welfare by relaxing credit constraints, anti-predatory legislation may lower it." The author of the report, Donald P. Morgan, defined predatory lending as "a welfare reducing provision of credit." However, he also noted that the loans are very expensive, and that they are likely to be made to under-educated households or households of uncertain income.
In summary, taking a cash advance on your credit card means taking on a very expensive short-term loan. This is almost never a good idea, so consider all other options before using a cash advance. It’s also important to take the fact that you’re thinking about using a cash advance as a sign that your finances need some fine-tuning. You don’t want to end up in this situation again!
Online Loans: AlliedCash.com is not a direct online lender and does not provide online lending services directly to consumers. Instead, the information you submitted will be sent to Check 'N Go. Our website does not act as a correspondent, agent, or representative for Check ‘N Go. All financial and employment data is immediately removed from our AlliedCash.com system and submitted to Check ‘N Go. We do not make credit decisions or recommend or endorse any specific loan product. You will be contacted by Check ‘N Go if additional information is required to process your application. If your application is approved, the money/fund disbursement will be from Check `N Go. Typically, loan proceeds are deposited into a customer’s bank account within one business day.
According to a study by The Pew Charitable Trusts, "Most payday loan borrowers [in the United States] are white, female, and are 25 to 44 years old. However, after controlling for other characteristics, there are five groups that have higher odds of having used a payday loan: those without a four-year college degree; home renters; African Americans; those earning below $40,000 annually; and those who are separated or divorced." Most borrowers use payday loans to cover ordinary living expenses over the course of months, not unexpected emergencies over the course of weeks. The average borrower is indebted about five months of the year.[14]
By clicking 'Get Started Now', I affirm that I have read, understand, and agree to the Disclaimer, Privacy Policy and Terms of Use. My click is my electronic signature, and I authorize you to share my information with lenders and partners that might use SMS messaging, auto-dialers or prerecorded telemarketing messages to call or text me on my mobile phone or landline. I understand that consent is not required to obtain a loan. I further understand that I have no obligation to accept a loan once I am connected with an available lender and that not all applicants will be approved for a loan. I further understand that the operator of this website is not a lender, loan broker, or agent for any lender or loan broker and does not make credit or loan decisions.
When you accept the terms and conditions for a loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time shown in the documents supplied by your lender. Additional fees or charges by your lender may request in the event that you are unable to repay your loan in full or if you make a late payment. We cannot predict the amount of the fees or charges that you will incur as a result of non-payment, late payment, or partial payment. Additionally, we have no knowledge of the loan details between you and your lender. Please refer to the late payment, partial payment, and non-payment policies detailed in the loan documents provided by your lender. Our company makes a reasonable effort to work only with reputable lenders who abide by Fair Debt Collection Practices. If you have a complaint about a specific lender, please Contact Us and one of our agents will look into the matter further.

Of course, we know choosing a lender for your cash advance loan is always an important and weighty decision. It’s why we’ve created a Resource Center and FAQ (Frequently Asked Questions) specifically for all your questions about a cash advance online. It’s also why we have live chat available during extended business hours and hundreds of customer service specialists waiting to answer your questions and guide you through the loan process.
Loan renewal policies are largely governed by state regulatory legislation. The loan renewal options will be presented to you by your lender prior to your acceptance of the loan. Please make sure to diligently read the renewal policy presented to you prior to signing the loan documents. Payday loans are intended to be a short term financial instrument. Cash Advance® encourages all consumers to repay the loan on time and in full in order to avoid late payment and/or non-payment fees. If you suspect that you may be unable to pay off a loan, we would recommend that you explore Loan Alternatives before submitting a loan request.
Many countries offer basic banking services through their postal systems. The United States Post Office Department offered such as service in the past. Called the United States Postal Savings System it was discontinued in 1967. In January 2014 the Office of the Inspector General of the United States Postal Service issued a white paper suggesting that the USPS could offer banking services, to include small dollar loans for under 30% APR.[93] Support and criticism quickly followed; opponents of postal banking argued that as payday lenders would be forced out of business due to competition, the plan is nothing more than a scheme to support postal employees.[94][95]
People who set goals for a purchase – whether it's a car, television or family vacation – are more apt to reduce unnecessary spending in pursuit of that goal. While other consumers use credit cards to purchase items they can't afford, effective savers rarely spend money they don't have. The next time you decide to invest in a big purchase, review your budget to see where you can make cuts to allocate more funds toward that goal. You can also boost your income to reach your savings goals quicker by taking on side jobs, such as freelance writing, dog walking or another gig that takes advantage of your marketable skills.
By clicking 'Apply Now', I affirm that I have read, understand, and agree to the Disclaimer, Privacy Policy and Terms of Use. My click is my electronic signature, and I authorize you to share my information with lenders and partners that might use SMS messaging, auto-dialers or prerecorded telemarketing messages to call or text me on my mobile phone or landline. I understand that consent is not required to obtain a loan. I further understand that I have no obligation to accept a loan once I am connected with an available lender and that not all applicants will be approved for a loan. I further understand that the operator of this website is not a lender, loan broker, or agent for any lender or loan broker and does not make credit or loan decisions.
Texas loans are arranged by Cash Central of Texas, LLC, 16283-59168, a licensed Credit Access Business (CAB). CAB is not a lender. Loans are provided by unaffiliated third-party lender First Financial Loan Company, LLC pursuant to the Texas Finance Code, Chapter 393. Cash Central of Texas, LLC is regulated by the Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, Texas 78705-4207.

Although a Line of Credit may not be the first thing that comes to mind when you want a cash advance, a MoneyKey personal Line of Credit can be a fast and convenient way to get quick access to a cash advance when you need it. You only need to apply for a Line of Credit once and, if approved, you are free to advance any amount up to your available credit limit as you see fit. You will only pay interest and/or fees on the amount of cash that you advance. MoneyKey offers personal line of credit cash advances in Kansas, Missouri and Tennessee. Review your state’s rates before starting your application.

Check City realizes that payday may not always come on the day that you need it to. With a fast, convenient payday loan from Check City you won’t have to worry. A payday loan is surprisingly easy to qualify for and affordable.* When used effectively, a payday loan is a superior alternative to late, over draft, over the limit, and reconnection fees as well as the long term affects that such fees can have over time due to changes in your credit score. A payday loan also gives you access to money you need to take advantage of great sales or limited time offers that you would otherwise miss out on if you waited till payday.


NM Residents: This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website http://www.rld.state.nm.us/financialinstitutions/.

VCC Credit Services Inc., dba Check City Title Loans, a motor vehicle title lender, is licensed by the Virginia State Corporation Commission. License #VTL-28. Tosh of Utah, Inc. dba Check City Check Cashing, a payday lender, is licensed by the Virginia State Corporation Commission. License #PL-57 Anykind Check Cashing, LC. dba Check City, a payday lender, is licensed by the Virginia State Corporation Commission. License #PL-21

Affiliate Disclosure: There are links on this site that can be defined as affiliate links. This means that I may receive a small commission (at no cost to you) if you purchase something when clicking on the links that take you through to a different website. By clicking on the links, you are in no way obligated to buy.

Please Note:The material on this site is provided for informational purposes only and is not financial advice. Always consult a professional before making any financial decisions.

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