Visit any of our check cashing locations in Indiana and Tennessee.
State-issued Photo I.D.
- Personal preprinted payroll checks
- Out of state preprinted payroll checks drawn on a large corporation
- Cashier check
- Social Security checks
- State or Federal income tax refund check
- State or Federal issued check
- Per Diem check (must be verifiable)
A-1 Cash Advance is a full-service Cash Advance and Check Cashing company with Central Indiana locations and one Tennessee location. Our mission is to provide our customers with premier cash advance services in a courteous and professional manner with honesty and integrity. We are also dedicated to offering the highest level of customer service, knowledge and support to our customers at all times.
Certain limitations apply. Subject to approval. See your local store for more details and additional disclosures. Checks or money orders may be issued instead of cash. Licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. Licensed by the Delaware State Bank Commissioner to engage in business in Delaware. Delaware Licensed Lender License #s: 6996; 4472; 9644; 4474; 8061; 6971; 7092; 8052; 6076; 7400; 4473; 7556; 010431 and 012075. Rhode Island Licensed Check Casher. In Ohio, loans offered by Advance America Cash Advance Centers of Ohio, Inc., Lic.# ST. 760166.000, main office located at 135 N. Church St., Spartanburg, SC 29306. In Texas, loans arranged with an unaffiliated third-party lender by ACSO of Texas, LP. d/b/a Advance America, a registered credit services organization (“CSO”), and subject to lender's approval.
*Advance America makes title loan referrals to LoanCenter at no cost to you and does not qualify you for a loan. Loans made by First Electronic Bank, member FDIC, or Wilshire Commercial Capital, LLC. Not available in all states. Loans subject to lender’s approval. In California, loans are made pursuant to a Department of Business Oversight California Finance Lenders License, with a minimum loan amount of $2,510.
Short-term loans are not intended to be long-term financial solutions. Customers with credit difficulties should seek credit counseling. A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive.
Cash Advances vs. Check Cashing Stores: Which is Worse?
These days, most transactions happen electronically. People can send money to one another quite easily through their bank accounts, with apps on their phone, or even over social media!
But sometimes, electronic funds just aren’t going to do it. You need cash. Maybe you’re stranded at a rural gas station; maybe you’re buying shawarma at that old-school hole in the wall that won’t take cards; maybe you need $100 in ones so that you can roll around in them on your bed like a fancy boy.
Whatever the reason, a need for cash when you don’t have any on hand can leave you real hard-up. If your bank has an ATM nearby, that’s your best option, but your other choices aren’t so good. You might end up getting stuck with either a credit card cash advance or going to a check cashing store.
Neither option is great, but which option is, um, the least not great? Let’s find out, shall we?
What is a cash advance?
When you use your credit card to buy something, no physical money changes hands, right? The amount that you paid is simply added to your card balance. You’re essentially borrowing money from your credit card company in order to make a purchase
Well, with a cash advance, you’re also borrowing money from your credit card company. The only difference is that the money you’re borrowing gets handed over to you as some of that sweet, sweet paper.
However, taking out a cash advance on your card differs from making a normal credit card charge in two crucial ways.
First, most credit cards carry a separate Annual Percentage Rate (APR) for cash advances. And the APR for cash advances is almost always higher. You could have a 15% APR on your normal credit card transactions, but a 25% APR for cash advances!
Secondly, regular transactions on a credit card come with a 30-day grace period before interest starts accruing. So if you pay off the card during that period, you won’t get charged any interest at all! Cash advances, on the other hand, have no such grace period. The second the transaction is made, interest starts being charged on the amount withdrawn.
What’s a check cashing store?
A check cashing store is, well, a store where they will cash your check for you. They oftentimes provide other services too, stuff like payday loans, wire transfers, bill payments, public transportation passes, currency exchange, and mail services.
These stores will take your check and charge you a one-time fee in order to cash it. Let’s say you bring in a $500 check and they charge you a two percent fee. That means it would cost you $10 dollars and you’d receive $490 in cash back from them.
The fees for cashing your check will vary from business to business, but it’s often at least a couple percent. For instance, Illinois caps check-cashing fees at 2.25% for any check over $100.
Check cashing stores are generally aimed at folks who don’t have traditional checking or bank accounts. These are people who receive a physical paycheck and need to have it turned into cash so that they can actually use it. (They can also use the store to transfer their bill payments.)
According to a 2015 survey by the Federal Deposit Insurance Corporation (FDIC), there are over 9 million “unbanked” households in the U.S. However, this is one area of subprime finance where traditional banks are also getting into the game.
So which is it? a cash advance or a check cashing store?
Regular readers of the Financial Sense blog will probably be able to guess our answer here: it depends.
But the reason we say that so often is because it’s almost always true. There are very few hard and fast financial rules that apply to every single person and every single situation. Circumstances will dictate which option is the best one for you.
However, we are going to give the win here to check cashing stores for one simple reason: that one-time fee is far preferable to a high APR.
Getting a check cashed is safer and (probably) cheaper.
A 2016 article in Business Insider from University of Pennsylvania professor Lisa Servon, author of The Unbanking of America, found that customers who used check cashing stores generally reported very high rates of satisfaction. One of the main reasons for this was that the stores’ fees were one-time only and clearly posted where customers could see them.
When given a choice between paying a flat, one-time fee or accruing interest over a period of time, the flat, one-time fee is almost always preferable. You pay it, you get it out of the way, and you don’t have to worry about any bill collectors coming after you down the line.
Interest, on the other hand, only grows over time. If you’re able to pay off your cash advance immediately, it could very well be the better, cheaper option. But if you let the interest keep accruing, you could end up paying way more than you would have with a cashed check.
For reference, a $500 cash advance with a 23% APR would accrue almost $10 in interest per month and over $115 in interest over an entire year.
So that’s that! If you’re in a bind that only cash can solve, get thee to a check cashing store! Cash advances can do in a pinch, but the higher APR’s make them just a bit more dangerous.
Get EZ Money With Payday Loans and More in Omaha!
FAST, FRIENDLY SERVICE.
Have unexpected expenses but payday is still a few days away? If you have an unanticipated expense and you need money now, EZ Money is here to help our clients in Omaha, NE. Payday loans are available with just a quick drive over the river to Council Bluffs!
With our fast, simple loan services, our team is prepared to offer financial advice and potential solutions no matter what you’re up against.
DO YOU NEED CASH NOW?
A cash advance from EZ Money can hold you over until your next payday. These short-term loans can get you the money you need quickly thanks to an easy application process. When expenses arise unexpectedly, our team can help you get your cash advance as quickly as possible.
APPLY FOR A LOAN WITH EZ MONEY
At EZ Money, we provide loan options like payday loans. They’re ideal if you need some fast cash between paychecks, and you can secure yours in minutes with a quick trip to EZ Money in Council Bluffs!
YOUR ONE-STOP-SHOP FOR FINANCIAL SERVICES:
WE’LL GET YOUR CHECK CASHED QUICKLY
When you’re not set up for direct deposit, it can be challenging to cash your checks, especially when you can’t get to the bank during open hours. At EZ Money, we work around your busy schedule to make check cashing more convenient by staying open later than most banks. Plus, our check cashing service is fast, easy, and reliable.
TURN YOUR GIFT CARDS INTO CASH
Everyone has received a gift card or two in their life and thought, “I’ll never use that.” When it happens to you, head in to EZ Money to swap your unused or unwanted gift cards for quick cash. It’s a simple process—bring in your old gift cards, and we will evaluate them to give you a fair price!
WE CAN HELP WITH MONEY TRANSFERS
Our partnership with Western Union allows you to transfer funds to anyone, anywhere, and anytime. Use our resources to make your next transfer simple and fast. We also offer the opportunity to track your Western Union money transfer online once it’s been completed.
CONTROL YOUR SPENDING WITH PREPAID CARDS
Control your spending without the hassle of carrying cash for every transaction. Prepaid cards are a great way to keep the money you need on hand without worrying about overspending or accruing interest on outstanding balances.
US CELLULAR PREPAID PHONES AND PLANS NOW AVAILABLE
We partnered with U.S. Cellular to offer unlimited, no-commitment prepaid plans. They don’t require activation fees, and you don’t have to worry about overages! All plans feature unlimited talk and text with no hidden fees and phone upgrades every 12 months. You also have options for unlimited data, a 5GB data plan, or pay-as-you-go data. U.S. Cellular offers reliable coverage and a new, fairer approach to wireless. Contact EZ Money today and find the prepaid phone plan that offers no hidden fees, an award winning network, and more unlimited options!
BILL PAY MADE EASY
Forgetting to pay bills on time is a problem of the past when you work with EZ Money. We can automate your payments to save you from expensive late fees and extra charges. We’re here to make things easier and help you avoid stressful financial situations with our bill pay services.
WE GIVE EXPERT ADVICE ON BITCOIN
Are you intrigued by Bitcoin and other types of cryptocurrency but have trouble understanding what you’re investing in? The experts at EZ Money can help you understand exactly how Bitcoin transactions work, navigate the complexities of digital currency, and provide the necessary education to protect you from tricks or scams.
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