Check Smart

Cash Advance Services
CheckSmart is an emergency cash advance company that is in business for the express purpose of helping people in their time of monetary troubles. There are many reasons why a person may need emergency cash. Car troubles, emergency doctor's bills, and overdue utility bills are just a few reasons that many people find themselves in need of money fast. For whatever reason you have, a cash advance can be loaned to you from all CheckSmart locations, as well as online. These loans run from $100-$800, depending on the individual's circumstances.

Getting a payday loan is very easy and requires very little paperwork. These are ideal for people who do not have the means or desire to try and get a typical loan through a bank. When you apply in person, you will need to postdate a check for whatever amount you have been authorized to borrow, plus all applicable finance fees. CheckSmart holds onto the check until your next payday and then cashes it. You are also permitted to come in before the due date and pay off the amount that you owe. Depending on the state, you may also be able to hold off on paying the loan for another paycheck period by simply paying the finance fee for the first due date. Most payday loan terms run for 14 days, or two weeks.

CheckSmart Ratings

2.1 Service
2.4 cost
2.4 timing
2.2 use again
The best part about using CheckSmart is that you can also apply for a payday loan over the Internet. Simply go to and fill out the online application. Within minutes, you can apply for a cash advance loan and be approved almost instantly. You can also go back in after you have created an account to check on your previous loan history and update any personal information. It's very simple, and you can do it all from the privacy and comfort of your own home. Plus, it is very easy to apply for a quick cash advance. You only need to have a bank account, a reliable source of income, and proper identification.

The terrific part of applying for a cash advance loan is that you do not have to worry about having bad credit or no credit. This is because your credit is not checked at all. As long as you have met the previously explained criteria, you are almost guaranteed to walk away with a loan.

CheckSmart has been an active part of the cash advance company for almost 20 years and is trustworthy, quick, and reliable. Their customer service representatives are highly trained, knowledgeable, and helpful, and understand that there may be a need for emergency cash.

Many people wonder just how safe it is to use an online payday loan company. CheckSmart uses an encryption process, so your personal information cannot be stolen over the Internet. CheckSmart also follows strict privacy laws and does not sell or give out your private information, including your phone number. CheckSmart is not a credit-counseling company; however, they do encourage their customers to seek those types of services and explains that a payday loan is only a short-term solution to a money problem.

Other Services
At CheckSmart, there are many other available services besides payday loans. Check cashing is one of them. All types of checks can be cashed at CheckSmart, including paychecks, personal, refund, and government checks. This is the solution for many people who do not have a bank to go to and have no way to cash a check. CheckSmart also has convenient hours in their many locations, and many are open longer than a bank. Some locations are open 24 hours a day, as well.

Western Union services are another amenity that CheckSmart offers. Whether you need to send money to a friend or family member, or receive money yourself, you can find a Western Union within CheckSmart's locations. Western Union has 275,000 locations in 200 countries and territories, so you can rest assured your money is sent or received quickly and easily.

Bill paying options are another service that CheckSmart provides. Many locations allow you to pay your local utility bills at their office for a small service fee. Things like your gas bill, electric bill, and cable bill may be paid at CheckSmart, which is especially helpful if you happen to be late on a payment. You can also purchase money orders through Western Union, for another reliable bill paying option.

You may also receive a prepaid debit card through the services at CheckSmart, called the All-Access Visa Card. All you need to do is load the card yourself with the amount of money you want, and then use it like a debit card. This card will be accepted at any place of business, either online or in shops and restaurants, that accepts Visa as a form of payment. Pay bills, purchase airline tickets, go shopping, or buy just about anything that you could possibly want using your prepaid Visa card.

Most CheckSmart locations offer these services as well as a few others. These may include prepaid phone cards, stamps, faxing and copying machines, and even home phone service. However, not all locations offer all of these. Check the website at to see what your nearest location has to offer.

CheckSmart is dedicated to helping their community, either through their many services or programs. CheckSmart employees adopted a program titled Adopt-A-Unit in 2004, with the goal of packing a care box for Christmas for marine units deployed to Iraq. The program started out with one unit and has grown to take care of two. Not only does CheckSmart take care of soldiers for the holidays, they also send bulk care packages to each unit at least every 6 weeks.

CheckSmart is available either on location or via the Internet at You can call them toll-free, 24 hours a day, at 1-800-837-0381. You can also contact them via their website by clicking on Contact Tab and filling out a short form to send in.
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