Payday LoansUp to $500
For smaller, short-term financial needs.
- No credit check
- Borrow up to $500
- One scheduled payment
- 7-31 day term
Subject to eligibility and approval.
Loans in Florida
Find the Loan Option That Fits Your Needs
Whether you need a smaller amount for a short-term expense or more money with scheduled payments, Check Cashing USA offers two loan options.
Borrow up to$1,000
No CreditCheck Required
Loans are subject to eligibility and approval. Florida requirements apply.
Side-by-Side Comparison
Compare Your Loan Options
| Feature | Payday Loan | Installment Loan |
|---|---|---|
| Borrow Up To | $500 | $1,000 |
| Credit Check | No Credit Check | No Credit Check |
| Repayment | One payment | Multiple payments |
| Payment Schedule | Due date | Scheduled payments |
| Best For | Smaller short-term need | More money + more time to repay |
| Apply | In Store | In Store |
It's Simple
How Our Loans Work
A straightforward process from application to completion.
-
1
Choose Your Loan Type
Compare payday and installment loan options.
-
2
Start Your Application
Start online or visit your nearest Check Cashing USA location.
-
3
Review Your Terms
Review your loan amount, fees, APR, payment schedule and due dates before signing.
-
4
Complete Your Loan
After approval, complete your transaction at a Check Cashing USA location.
Flexible Funding Option
Need the Money in Your Bank Account?
Check Cashing USA gives you the option to have your loan funds sent directly to your bank account when you need the money there.
- Fast and Convenient
- Secure Transfers
- Same Great Loan Options
Available for eligible loans. Additional requirements or processing times may apply.
Get Ready
What You'll Need to Apply
Have these items ready to help make the process easier.
Government-issued ID
Valid photo identification.
Proof of Income
Documentation showing your source of income.
Checking Account
An active checking account is required.
Social Security Information
Your Social Security number.
Contact Information
A current phone number.
Age Requirement
You must be 18 or older.
A Key Benefit
No Credit Check Required to Apply
Your credit score isn't part of our application process. Check Cashing USA does not pull your credit report to determine eligibility for our payday or installment loans.
- No Credit Check
- Clear Loan Terms
- Know Your Payments Before You Sign
- Local Florida Locations
Loans Near You in South Florida
Looking for a loan near you? Check Cashing USA offers loans up to $1,000 at participating South Florida locations, with no credit check required.
REVIEWS
Trusted by Thousands of Customers
I had an excellent experience here! The staff was friendly, professional, and made the whole process quick and easy.
- Carrianna Oliver
Check Cashing USA made everything quick, easy, and stress free while still making me feel welcomed and valued as a customer.
- Marsha Lemaistre
I've been here twice and the customer service is immaculate. The workers are very friendly and polite.
- Epthious Farrell
FAQ
Loan FAQs
What types of loans does Check Cashing USA offer?
We offer two loan options authorized by Florida law: payday loans up to $500, repaid in one payment on your due date, and installment loans up to $1,000, repaid in scheduled payments. Every loan is subject to eligibility and approval.
What is the difference between a payday loan and an installment loan?
A payday loan is up to $500 and is repaid in one payment on your due date. An installment loan is up to $1,000 and is repaid in multiple scheduled payments, which gives you more time to repay.
How much can I borrow?
You can borrow up to $500 with a payday loan or up to $1,000 with an installment loan. The amount you qualify for depends on your income and on approval, and eligibility is subject to a statewide database.
Does Check Cashing USA require a credit check for a loan?
No. We don't pull your credit report to determine eligibility for our payday or installment loans. Every loan is subject to approval, and eligibility is subject to a statewide database.
What do I need to apply for a loan?
You must be 18 or older and bring a valid government-issued photo ID, your Social Security information and proof of income, such as your latest pay stub. You also need an active checking account and a contact phone number.
Can I apply for a loan online?
You can start your application online to speed things up, but you will need to visit a Check Cashing USA location to complete the loan.
How quickly can I receive my loan funds?
Once your loan is approved and you sign your agreement at the store, you can usually receive your funds during the same visit. If you choose to have the funds sent to your bank account instead, additional requirements or processing times may apply.
Do I need a checking account to get a loan?
Yes. Unlike our check cashing and other services, our payday and installment loans require an active checking account, along with proof of income and a valid government-issued photo ID.
Where can I get a Check Cashing USA loan?
Loans are available at participating Check Cashing USA locations across South Florida. Enter your ZIP code in the finder on this page, or visit our locations page to find the store nearest you, with hours, directions and phone numbers.
How do I know which loan option is right for me?
A payday loan fits a smaller, short-term need that you can repay in one payment on your due date. An installment loan fits when you need more money or more time, with the balance repaid in scheduled payments. Compare both options on this page, or ask a team member at any location to walk you through them before you apply.
Will I know the cost of my loan before I sign?
Yes. Your loan amount, fees, APR, payment schedule and due dates are disclosed in your loan agreement, and you review them before you sign.
Can members of the military get a loan?
No. Check Cashing USA cannot offer a loan to an active member of the military or to his or her spouse or dependent.
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Customer notice
Payday and installment loans should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.
Check Cashing USA is regulated by state and federal laws and operates only in Florida. Loans are subject to approval, and eligibility is subject to a statewide database.
Check Cashing USA cannot offer you a loan if you are an active member of the military or his or her spouse or dependent.
Already have a loan with us? Make a payment