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.
Installment Loans are another way to enjoy extra cash. You can take Installment Loans and repay them within the fixed repayment tenure, which generally ranges from a few weeks to a few months or even a few years. While applying for an Installment Loan, you need to fix the repayment intervals. Unlike FLEX Loans, Installment Loans are not fluidic with repayments.
1 First-time Great Plains Lending customers typically qualify for an installment loan of $100 to $1,000 with an APR of 328.11% to 448.76%, which is less than the average 662.58% APR for a typical payday loan. For example, a $500 loan from Great Plains at 328.11% APR would require 16 bi-weekly installment payments of $74.18. After the 16th successful payment, your loan would be paid in full. An average payday loan of $500 with an APR of 662.58% and a fourteen (14) day term would require one payment of $627.07. Average payday loan pricing is based on Texas-originated loans facilitated by Credit Service Organizations/Credit Access Businesses such as CashNet USA® (664.30%), ChecknGo® (661.75%) and Ace Cash Express® (661.69%) as of May 19, 2016. Refer to Loan Cost & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within the Loan Agreement.
We can not guarantee that completing an online form will result in your being matched with a lender, being offered a loan product with satisfactory rates or terms, or a loan product of the requested sum or on the desirable terms, or receiving any approval from a lender in the first place. Participating lenders may verify your social security number, driver license number, national ID, or any other state or federal identifications and review your information against national databases to include but not limited to Equifax, Transunion, and Experian to determine credit worthiness, credit standing and/or credit capacity. By submitting your information via our online form on this website, you agree to allow any and all participating lenders to verify your information and check your credit. Cash transfer times and terms may vary from lender to lender. Not all the lenders in our network can provide up to $1,000. The limits and regulations vary from state to state. We remind that short-term loans are not a long term financial solution.

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Please note that this is an expensive form of credit. Great Plains Lending, LLC loans are designed to help you meet your personal borrowing needs. This service is not intended to provide a solution for longer-term credit or other financial needs. Alternative forms of credit may be less expensive and more suitable for your financial needs. Alternative sources you could consider include a credit card cash advance, home equity line of credit, existing savings, or borrowing from a friend or relative. Before borrowing, please consider whether you will be able to repay any amount that you borrow. Customers with continued credit difficulties should seek credit counseling.
Check City does not usually utilize traditional credit checks as part of the payday loan approval process. However, Check City may, at its discretion, verify application information by using national consumer loan underwriting databases that may include information relating to previous cash advance transactions that Check City may take into consideration in the approval process.
In addition to not having savings in place to avoid taking out a payday loan, maybe you do not have a credit card or line of credit because of a bad credit score or no credit history. Many people also struggle with achieving and maintaining good credit. You can start building your credit history and getting a good credit score with a few actions. There are things you can do right now to improve your credit and things you can do over time with your existing debt and new credit. Having good credit can also help you to avoid the need for payday loans because you can get approved for a credit card with lower interest rates, making this a more feasible option when you need fast cash.
With an installment loan, you'll have the option to repay the loan early and save on interest, or you can choose to carry out a set number of payments for the life of the loan -- whichever's more affordable to you. Because your repayment schedule is fixed, you can easily budget to ensure that you make your payments when they're due to avoid any unnecessary fees for defaulting.
If a longer repayment period sounds like something that you could benefit from, consider applying for an installment loan. Speak with a Speedy Cash representative over the phone, or in person. Do you prefer to complete the application on your own – that works too! Our secure online application lets you apply from anywhere as long as you’re connected to the Internet! We provide the opportunity for Customers to choose the loan application process that best fits their needs. We guarantee that whichever way you choose to apply, you will receive the same easy, fast and friendly service. Hit apply now to get started!
* MobiLoans, LLC, a tribal lending entity wholly owned by the Tunica-Biloxi Tribe of Louisiana ("Tribe"), a federally recognized Indian tribe, operates within the Tribe's reservation. Certain limitations apply. See Terms and Conditions for complete details. All trademarks, service marks, and registered marks are the properties of their respective owners. Maximum line amount of initial line is $2,500.00. Refer to the Terms & Conditions for additional details. Applications processed and approved before 4 p.m. CT are typically funded the next business day. In some cases, we may not be able to verify your application information and may ask you to provide certain documents. Mobiloans is an expensive form of short term credit and should not be used as a long term solution.
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