CheckSmart offers the following services in our
Kentucky stores:

• Deferred Deposits
• Check Cashing
• Western Union Services
• Money Transfers
• Money Orders
• Bill Payment Services
• NetSpend Prepaid All-Access Visa
• CheckFreePay Bill Payment Services

Sometimes people need emergency cash to meet unexpected expenses quickly and conveniently. Some typical circumstances requiring fast cash include: emergency car repairs, sudden repairs to the home, that suddenly unbearable toothache, or a child's trip to the Urgent Care Center may require an emergency cash advance. A typical short-term loan is from $50-$500 and can be obtained by visiting one of our participating locations*.

At the store, you simply write out a personal check for the amount you are qualified to borrow plus the finance charges, and you receive your cash instantly. The check is held until your next payday; at that time you may pay off your loan in cash or we will deposit your check to pay it off.

Applying for and obtaining quick cash in this way is relatively simple. You will need a valid bank account, a steady source of income, and identification. The typical term for one of these loans is 14 days.


* The availability of deferred deposits depends on your state's law.

At Checksmart, we cash all types of checks – payroll, insurance, personal, tax refund, settlement, government and social security checks. Many times banks may not cash your check if you do not have an account with them or they may hold your check until it clears. That’s why there’s Checksmart. We’re open convenient hours and well after the bank has closed. Plus, the majority of our locations are open on Sundays and some locations are open 24 hours a day!

Western Union® Services

Trust Western Union^® to get your money where it needs to go. At Checksmart, you can use the Western Union^® family of services to send money, send bill payments and purchase money orders.

• Money Transfers:

  When you need to send money fast, turn to Western Union^®. With 275,000 Agent locations in over 200 countries and territories, you can send money to friends and family—quickly, reliably and conveniently.

• Money Orders:

  When you need a reliable, convenient way to pay bills and make purchases, look no further than Western Union^® Money Order^SM payment instruments. Use them to make purchases, to give a gift, to pay bills or use them when cash and checks aren’t accepted.

• Bill Payment Services:

  Allows you to pay utility bills for electric, gas, phone, cable, water and more.

NetSpend Prepaid All-Access VISA

It’s not a credit card; it’s better! NO CREDIT CHECKS! NO QUALIFYING! Imagine, a payment card that gives you universal acceptance, global ATM functionality, no debt, and no way to overspend. It lets you enjoy the security of not carrying large amounts of cash with the convenience of immediate access to funds.

The All-Access VISA Card is Prepaid, so it works on the cash amount loaded, this way you never have to worry about borrowing money, paying interest charges, or card bills. It offers the freedom and control of using cash with the convenience and security of paying with plastic.

CheckFreePay Bill Payment Services

CheckFreePay walk-in bill payment is a convenient and safe way to pay your bills in person. You can pay mulitple bills at any Checksmart store, get a receipt with each transaction and avoid late fees.