Express Loans

Big Problems? An Express Loan Could Solve Them!

Installment Loans that are easily accessible to fit your situation.
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Title Loan

What is an Express Loan?

Express Loans are like Title Loans in that you need a car, or other qualifying vehicle, to qualify, but with an Express Loan you do not need a clear title. This means your car does not have to be paid off free and clear to obtain a loan. Instead of using the clear title to your car to secure your loan, you will use the equity you have in your vehicle in addition to other things such as your income. At CheckSmart we offer Installment Express Loans. This loan operates similarly to an Installment Loan and allows you to make equal payments over time. When you’re in need of fast cash, an Express Loan from CheckSmart is the right choice to get you through. 


This loan is only available in Arizona. Credit check required for new applicants.

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Available Loan Amounts

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Installment Express Title Loans

Up to $7,500

Offers a longer loan term, with payments made overtime in equal installments, usually in alignment with your paydays.

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Steps to Accessing a CheckSmart Installment Loan

Installment loan

Visit Us In-Store

Apply for an Express Loan at your nearest CheckSmart! To help the process move as quickly as possible, please bring the following with you:

You can receive quick funding upon approval for a personal Installment Loan.

Get Your Cash!

After approval, you’ll review and sign your loan documents. Then it’s the best part – you’ll drive away with your cash in hand!

A payment series so you can repay your CheckSmart Installment Loan over time.

Pay Back Your Loan

Making your payments on time is important, and you’ll make your payments over time, though the exact terms of repayment will be outlined in your loan agreement. 

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Is an Express Loan the SmartMatch for you?

If an Express Loan from CheckSmart sounds like the smart choice for you, stop by your nearest CheckSmart to apply today. We understand that you may have more questions. If so, check out our FAQ page to learn more about CheckSmart Express Loans.

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Also of Interest

Store Services

CheckSmart store services make your financial transitions quick and easy. With check cashing, money orders, wire transfers, and more – we're here to help!

Payday Loans

CheckSmart offers Payday Loans to see you through until payday. Learn about our application process, ways to access your cash, and repayment!

Online Loans

Get the money you need with an online loan from CheckSmart. Our application process is quick and hassle-free, and you can expect a swift lending decision!

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Loan/Pawn Products: To receive a loan, you must meet applicable creditworthiness criteria. Subject to state regulations, eligibility, credit check, underwriting and approval. Must meet state database eligibility. Applicant cannot be an active-duty member of the Military, or that person's spouse or dependent. Funded amounts vary by state, store, product or based on the results of an ability to repay analysis (where applicable. Rates, terms and conditions apply. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision. All products are not available at all locations. 

Title loans are subject to minimum auto value requirements. Vehicle and title must be present to complete appraisal where applicable. 

Store Services: Rules, restrictions, and fees apply. See store for details. 

Green Dot: Must be the age of majority in your state of residence (18 or more) to open an account. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Mobile number verification, email address verification and mobile app are required to access all features. 

1. Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your Green Dot account to prevent fraud restrictions on the account. 

2. Opt-in required. Account must have initial eligible direct deposits, must be in good standing and have an activated chip-enabled debit card to opt-in. Ongoing eligible direct deposits and other criteria apply to maintain eligibility for overdraft protection. Only debit card purchase transactions are eligible for overdraft protection and overdrafts are paid at our discretion. We reserve the right to not pay overdrafts. For example, we may not pay overdrafts if the account is not in good standing, or is not receiving ongoing eligible direct deposits, or has too many overdrafts. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee. Overdraft protection is only available on Demand Deposit Accounts that meet eligibility requirements. Log into and refer to your Account Agreement to check feature availability. 

3. See app for free ATM locations. 4 free withdrawals per calendar month, $3.00 per withdrawal thereafter. $3 for out-of-network withdrawals and $.50 for balance inquiries, plus any fee the ATM owner may charge. Limits apply. 

Green Dot® cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. And by Mastercard international Inc. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposited with Green Dot Ban and are aggregated for deposit insurance coverage up to the allowable limits. ©2025 Green Dot Bank. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739 

Ohio:  Check Cashing provided by Buckeye Check Cashing Inc., CC700000, Main Office 2312 E Trinity Mills Rd, Ste 100, Carrollton TX 75006

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