Check Into Cash claims to have “pioneered the payday advance service.” What is certain is that the process consumers go through when they wish to apply for payday loans, cash advance or payday advance loans couldn’t be simpler. Fill out a quick application and receive a decision very quickly. If approved, you can receive the money via direct deposit (if you’re applying online) or in instant cash (if at a Check Into Cash store). To pay back the loan, all you need to do is write a postdated check – with a one-time, flat fee included – for the following payday.

Check Into Cash is “QUICK, EASY & CONFIDENTIAL”

When you need quick cash during an emergency, you don’t want to be inconvenienced. That’s where Check Into Cash (aka checkintocash and checkintocash.com) comes in with its three-sided promise. The application and funding process is quick, which eliminates the worry that you’ll be able to get the money you need in time. When you apply in person and are approved, the money comes in an instant. Online, it can happen in as little as a few hours.

It’s also easy to qualify and apply for payday loans, cash advance or payday advance loans at Check Into Cash. To qualify, you must:

• Have held your current job for a minimum of 90 days
• Be at least 18 years old (19 in Alabama and Nebraska) and a citizen or permanent U.S. resident
• Earn at least $1,000/month after taxes
• Have current home and work phone numbers and a valid E-mail address

What do you need to apply at Check Into Cash?

This is also easy. Make sure you have:

• An up-to-date pay stub
• State or federal photo ID
• Most recent checking account statement

Confidentiality is important

Whether you apply for payday loans, cash advance or payday advance loans at a Check Into Cash location online or in person, your sensitive information is protected with great care and professionalism. You don’t have to worry about identity theft with systems belonging to Check Into Cash.

Checkintocash.com stats from Compete.com

As a veteran of the payday loans industry, CheckIntoCash.com garners significant traffic. In December of 2009, 83,174 unique visitors came to the Web site, which is a 16.94 percent increase over the previous month. Overall visits totaled 101,451, which showed a similar 16.98 increase. The top three paths to checkintocash.com were Google.com (25.36 percent), checkintocashonline.com (19.96 percent) and Yahoo.com (7.85 percent).

What are people searching for that leads them to Checkintocash.com?

The leader and most obvious choice is “Check into cash,” which amounted to 34.33 percent of searches. “Checkintocash” (4.46 percent) and “advancepay” (2.62 percent) followed far behind.

Fortunately, you won’t be far behind if you need quick cash and apply for payday loans, cash advance or payday advance loans at Check Into Cash. Personal Money Market respects their place in the industry.

Related Video:

Very rarely do I read about a payday loan store robbery in which someone actually gets arrested. In fact, of the 20 or so robberies I’ve reported on this year, there have been four arrests, if I am remembering correctly.

So I was surprised today to read this report by Meghann Cunniff in a Spokane, Wash., newspaper.

From The Spokesman-Review:

Two men have been arrested in connection with a robbery at a payday loan store in north Spokane.

The men, who have not been identified, were found after Spokane police and Spokane County sheriff’s deputies responded to Check Into Cash at 555 E. Francis Ave. about 4:15 p.m. on a report of an armed man robbing the store.

They found a suspect a few blocks away near East Lyons Avenue and North Standard Street, said Officer Tim Moses, but the man ran away.

Police set up a perimeter and called in a K9 unit, leading to the men’s arrests.

The stolen cash was recovered, along with the gun used in the robbery, police said.

Previous incidents

Spokane is no stranger to payday loan store robberies. Earlier this year, a couple of oxycontin thieves robbed some payday loan stores along the way while they were at it. The city in Eastern Washington is also no stranger to catching robbers.

Report from Feb. 9:

Two people accused of robbing multiple payday loan stores and pharmacies in Spokane, Wash., are now in police custody.  Zachary Tyler Allen, 19, and Kimberly Ann Norman, 20, were arrested Feb. 8 after a month long crime spree.

Police believe the two are responsible for two robberies at the same pharmacy Jan. 8 and Jan. 11. The two are also accused in several payday loan store robberies in Spokane. The most recent robbery was another pharmacy that was hit Feb. 5.

Details on payday loan store robberies

The first Spokane payday loan store robbery took place Jan. 14, when the robber held up a Check and Go store. Jan. 20 a Check Into Cash location was robbed. The same Check into Cash location was robbed yet again Jan. 29 within hours of another robbery at another Check into Cash store. After the Check Into Cash stores beefed up security, employees and police believe the same man attempted another robbery at the same store he had already robbed twice.

Extra security helps

The Check into Cash location in Spokane was able to thwart an attempted robbery by increasing security measures. The stores began keeping their doors locked and requiring customers to show ID before entering the store. One night a man wearing a black ski mask attempted to enter the building, but he ran away after he realized the building was locked.

Other payday loan store should consider this policy before it’s too late and they get robbed, too. Another important security measure is video surveillance cameras. Video surveillance is often very helpful in identifying suspects. Also, posted signs informing people that there are cameras on the premises can deter criminals, as can the appearance of the cameras themselves.

Be on the lookout

No matter where your payday loan store is, business owners, employees and customers need to be prepared in case their store is targeted. Payday loan stores must keep large amounts of cash on hand, which makes them frequent targets for thieves. At the very least, employees at a payday loan store or any type of business that keeps a lot of cash should never be left alone.