Payday Loans

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Payday Loans

What is a Payday Loan?

A Payday Loan is a loan that allows you to borrow money until payday. People use Payday Loans for all sorts of situations, but they are a short-term financial solution typically used for urgent, emergency, or unexpected costs that occur between paydays. Think of it as a Payroll Advance where you’re borrowing money against your next paycheck. Available loan amounts vary depending on the state you live in, and payment is typically due in full on your next payday.  When you need cash before your next payday, a Payday Loan from CheckSmart is the smart choice to see you through.  


For now, Payday Loans from CheckSmart are only available in Indiana, Kentucky, and Michigan.

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Available Loan Amounts

Payday Loans

Payday loan

Indiana

Up to $825

Kentucky

Up to $500

Michigan

Up to $600
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How to Get a Payday Loan at CheckSmart

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Come See Us!

Visit a CheckSmart near you to apply for a Payday Loan. We’ll need to verify your income and identity as part of your application.  Here are some of the documents you might need depending on your state:

Payday Loan

Get Cash!

Get cash in hand! When you need cash the same day, payday loans at CheckSmart are the way to go. Once you complete your application, if approved, you'll receive your funds quickly after signing your loan documents and walk away with cash in hand.

Repayment plan for your CheckSmart Payday Loan.

Pay Back Your Loan

Create a plan and remember to pay on time! Your loan, as well as any interest/fees, will be due in accordance with your repayment schedule, typically due in full on your next pay day. These are some ways you may be able to pay back your loan:

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Online Payday Loans

Online Payday Loans

Interested in an Online Payday Loan? CheckSmart has you covered. If you're located in Indiana, you can apply for and manage your Payday Loan anywhere you have an internet connection. For now, Online Payday Loans are only available in Indiana, though it is always our hope to one day be able to offer Online Payday Loans in every state we operate in.

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Is a Payday Loan the Smart Option for You?

You might have additional questions. Learn more on our FAQ page about our loan process and what to expect if you choose a Payday Loan from CheckSmart. 

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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!

Express Loans

Get the financial help you need with an Installment Loan from CheckSmart. Visit a CheckSmart location today to apply or learn more about this loan option.

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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