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CheckSmart Overall rating: ★☆☆☆☆ 1.3 based on 3 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 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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