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Privacy & Security

CheckSmart

Checksmart furnishes needy consumers with access to cash in any emergency. Payroll advances are a fine way to make ends meet when one's budget becomes a bit too tight to effectively manage. Through Checksmart, consumers are moments away from borrowing the money they need to tend to pending debts and monetary obligations of all kinds. Checksmart supplies consumers who qualify with short term lending options which prove to be reasonable financial remedies for today's consumer and his or her diverse financial needs.

Through Checksmart, consumers can readily and instantly apply for a payday advance valuing as much as 800 dollars. A visit to one of the physical locations of Checksmart can have the consumer literally walking out of the establishment with the necessary cash he or she needs. At present, Checksmart has a number of different stores; as many as 214 professionally operated cash lending sites are owned by Checksmart and are established in the states of Arizona, Florida, Indiana, Kansas, Kentucky, Michigan, Missouri, Ohio, Utah, and Virginia. The majority of the latter cash centers are in operation throughout the week and even offer the consumer weekend hours. Checksmart has even established a cash lending center which has open hours of operation running 24 hours per day.

When consumers visit any of the 200 plus stores owned and operated by Checksmart, they will need to bring with them a personal check. The check will be written out for the loan amount that the consumer qualifies for, in addition to any payday advance fees. When the next payday arrives, the check will be cashed and the monies taken from the consumer's active checking account. If the loan repayment cannot be made by the time one's paycheck is due, the consumer will need to look into whether or not extensions are available for the payroll advance loan they have signed up for.

CheckSmart Ratings

4 Customer Reviews
Average Rating 3.4
  • Customer Service 3.5 of 5
  • Cost of Loan 3.5 of 5
  • Funded in Time 4 of 5
  • Would Use Again 2.5 of 5

Provided that the consumer's checking account is accompanied by a good and active status, and the consumer has a regular income to rely on, the consumer is considered eligible for a convenient payroll advance from Checksmart. Loan terms and duration will differ from one consumer to the next and will be dependent upon state guidelines, but on average, loan durations run right around fourteen days time. This gives the consumer roughly two weeks to repay the payroll advance, plus any assigned lending fees.

Checksmart has been furnishing their customers with fantastic money solutions since the late 1980s. Credit history does not reflect on one's eligibility for Checksmart offers either. Consumers can either apply via Internet access online or they can go directly to one of the physical branches currently in existence to get a fast cash advance. Consumers turning to the offerings presented by Checksmart can rest assured in knowing that the company is highly regarded in the financial community as well. Checksmart is a member of the Community Financial Services Association, the Financial Services Centers of America, the Ohio Association Financial Services Centers, the California Financial Service Providers Association, the Utah Consumer Lending Association, and the Financial Service Centers of Florida and therefore adheres to the highest guidelines regarding the practice of financial lending.

Checksmart relies heavily on SSL technology and takes extra measures to protect consumer information and identity. Encryption is utilized during transactions and communications and is therefore un-hackable by invasive entities. Any information conveyed to or shared with the Checksmart Company remains utterly confidential, and Checksmart does not offer or sell information to third party affiliates. Consumers can feel safe when sharing important personal information with Checksmart since the company utilizes such sound security practices.

Checksmart asserts that their application takes just moments and that approvals are incredibly fast for those that meet any and all eligibility requirements. Loan amounts will differ for consumers and are based on the regulations established by one's state of residence. Provided consumers have a confirmable income on a regular basis, a checking account in good status, a phone number that is in operation and state or federally issued forms of identification, the consumer is most likely eligible for Checksmart's sensational offerings.

Consumers also get the convenience of check cashing services whenever visiting Checksmart. It doesn't matter what type of check one has, whether it is a refund check, a payroll check, a check issued by the government, or a personal or business check; Checksmart's check cashing services permit consumers to quickly cash any and all valid checks. Instead of waiting for funds to clear in one's account, consumers get the benefit of having instantaneous access to the cash they have acquired through a written check. Meanwhile, Checksmart delivers to the general public money transmission services too through Western Union. Furthermore, inexpensively purchased money ordering options are also presented to consumers wise enough to turn to Checksmart's service options.

For added convenience and to further impress and satisfy consumers, Checksmart has taken additional measures to furnish consumers will bill pay options. Whether a consumer has to pay utility bills, the telephone bill, a water bill, or a heating bill, they can do so at any convenient Checksmart location. What is more, with Checksmart, a consumer can get a prepaid Visa Card, which gives them some tremendous buying and spending power. Such cards can be reloaded whenever the consumer desires and can be used anywhere where the Visa Card is accepted. This gives the consumer Internet buying power as well! Finally, consumers can get stamps, faxing services, copying services, and home phone service in many of the existing Checksmart locations. Not all Checksmart sites offer the latter services however, and consumers are advised to contact local Checksmart locations to determine if such options are presented.

The best way to contact Checksmart is to visit the company's website and to communicate using their electronic submission forms. Consumers can access the Checksmart site at www.checksmart.com. General inquiries can also be submitted in writing to: Buckeye Check Cashing Inc., 7001 Post Road- Dublin, Ohio 43016. To conclude, for telephone contact, consumers have the convenient options of utilizing a toll free telephone number at 1-800-837-0381.