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CheckSmart Overall rating: ★★☆☆☆ 1.5 based on 9 reviews.
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Online Payday Personal Consumer Loans up to $5,000

Easy Application, Fast Processing, Quick Approval, Any Credit Score

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Checksmart logo

CheckSmart is a direct lender that first opened up in 1987, somewhere in the United States. The lender is available nationally. They currently operate in the following states: Arizona, Indiana, Kansas, Kentucky, Michigan, Missouri, New Mexico, Ohio, and Virginia. With CheckSmart, you can qualify for up to $5,000 through an Installment Loan, up to $800 through an Express Single Payment Loan, or even up to $25,000 through a Title Loan. The lender only operates in store locations.

Company name CheckSmart
Founded 1987
Address 6501 Troost Ave Kansas City MO 64131
Phone number
(816) 926-9977
Email  Unknown

Checksmart site


  • Easy application
  • Multiple products
  • Relaxed requirements
  • High approval rates
  • Experienced lender
  • Available in 9 states


  • Not operating online
  • Limited availability
  • High interest rates
  • Not BBB accredited
  • Many complaints

Bottom line


Types of loans

CheckSmart offers multiple loan types, as well as other products:

  • Payday Loans
  • Title Loans
  • Installment Loans
  • Line of Credit
  • Flex Loans
  • Check Cashing
  • Bill Pay
  • Western Union
  • U.S. Money Card
  • Cell Phone Top-Ups
  • Gift Cards For Cash

Eligibility criteria

In order to get approved for a loan with Checksmart, you must meet the following criteria:

  1. You must be a US citizen or permanent resident.
  2. You must reside in one of the states where Checksmart operates.
  3. You must have an active, personal checking account.
  4. You must have a steady income.
  5. You must have a valid phone number and email address.
  6. You must not be a debtor in a bankruptcy case.

Category: Online Loans

Tags: Arizona, Indiana, Kansas, Kentucky, Michigan, Missouri, New Mexico, Ohio, Virginia

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CheckSmart Reviews

They are very rude and have no clue how to treat customers! Stay away from this lender, they are not willing to help you.
- Eliana Hughes

Awfule service I received from a young lady who works in Ohio location. My recommendation: Stay away from this location!!!
- Micah Fleming

They do not care about their customers, only care about bringing in more business
- Jameson Collins

This company staff is rude. They put you on hold for 30 minutes, then lie. It’s disgusting how this company is treating people who are coming to them for help.
- Anthony Hill

I was robbed by this company!! They are very rude about it when I try to discuss.
- Liam Parker

I love how they understand my situation and treat their customers. No issues, no complaints. Go to this place! They will surely help you.
- Taylor Lambert

They call my phone 10 times a day. I have asked them many times to stop calling. Today I filed a complaint with the Attorney General. Awful company!!! BEWARE
- Solomon Allen

I have had great payment history with CheckSmart. Recently I called them to get some assistance and no help.
- Journee Nelson

I was in CheckSmart today to change my repayment plan. The man who helped me was extremely rude. He definitely needs some training. An attitude like they hate their customers.
- Jack Newman

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