Cash Advance Near Me? 14 Places You Can Head to (No Bank Required)

“Where can I get a cash advance near me?” We have you covered.

If you don’t have a bank account or you’re not usually free during banking hours, it can be hard to cash checks, pay bills, or check other financial errands off your to-do list. Cash advance companies provide a convenient alternative to banks and credit unions — and chances are there’s one near you.

Read on to learn all about cash advance companies, how they work, and where to find one in your area. You can get a cash advance without bank account really simply…

In This Article

How Cash Advance Companies Work

Cash advance companies — also known as paycheck advance, payday loan, or check cashing stores — provide a wide range of financial services, including check cashing. These companies are typically open beyond banking hours, including evenings and weekends, and will cash checks for a fee.

In addition, cash advance companies usually offer other services that may include:

  • Bill payments
  • Money orders and money transfers
  • Prepaid debit card sales and loading
  • Tax services
  • Cash advances/loans, including payday loans, installment loans, and title loans

Payday loans are short-term, interest-charging cash advances against your paycheck. Typically, they don’t require a credit check. Approval is based on your length of employment and the regular amount you’re paid.

Installment loans are longer-term loans for small amounts, usually no more than $5,000. Approval for an installment loan may require a credit check, although if you have poor credit, you may be able to use collateral such as a vehicle or mortgage to secure an installment loan.

Title loans are cash advances against the value of your vehicle. Like payday loans, these types of loans typically don’t require a credit check — your vehicle automatically serves as a collateral guarantee for the loan.

What Do You Need to Cash a Check at a Cash Advance Company?

To cash a check at most cash advance companies, you’ll need a valid, government-issued photo ID. Acceptable forms of ID can include:

  • Driver’s license, permit, or state-issued non-driver ID
  • U.S. passport
  • Military or tribal ID
  • Permanent resident card (“green card”)

A few check cashing companies require a second form of identification. This can usually be a debit or credit card, a Social Security card, or official mailed correspondence with your name and address on it, such as a utility bill or tax bill.

You do not need a bank account to cash checks at a cash advance company.

What Types of Checks Can You Cash at a Cash Advance Company?

Cash advance companies will usually cash most types of checks, including some that banks won’t. Some of the check types you can get cashed at a cash advance company include:

  • Personal checks
  • Payroll and government checks
  • Insurance checks
  • Tax rebate checks
  • Third-party checks
  • Cashier’s checks
  • Money orders
  • Business checks
  • Handwritten checks

National and Regional Cash Advance Companies

The following cash advance companies have either multiple locations in one state, or many locations across several states. We’ve researched each company and called customer service representatives to verify information as needed.

ACE Cash Express

  • Types of checks cashed: Business, government, insurance checks, money orders, personal checks, payroll, and tax refunds
  • Check cashing fees: Vary by store, check type, and amount. You can find fee schedules posted in store lobbies, or call your nearest store for details.
  • Needed to cash checks: Valid photo ID
  • Other financial services offered: Payday, installment, and title loans; bill payments; money orders and money transfers; prepaid cards; tax services and business services
  • Typical hours of operation: 9 AM – 6 PM Monday-Wednesday; 9 AM – 7 PM Thursday and Friday; 10 AM – 5 PM Saturday
  • Source: ACE’s check cashing page and calls to customer service
  • States: AZ, AR, CA, CO, DC, FL, GA, IN, KS, LA, MD, MN, MO, NM, NC, OH, OK, OR, PA, SC, TN, TX, VA
  • Find an Ace Cash Express near you

Advance Financial

  • Types of checks cashed: Cashier’s checks, government checks, insurance checks, money orders, payroll, personal checks, and tax refunds
  • Check cashing fees:
    • Government: 1 to 2.99% of the total check amount; minimum fee of $2
    • Payroll: 1 to 2.99% of total check amount; minimum fee of $3
    • Money orders and personal checks: 10% of total check amount; minimum fee of $5
    • All other checks: 1 to 5% of total check amount; minimum fee of $5
  • Needed to cash checks: Valid photo ID
  • Other financial services offered: Online loans, bill payments, money orders, Netspend prepaid cards, Western Union services
  • Typical hours of operation: Most locations are open 24 hours
  • Source: Advance Financial’s Check Cashing FAQ
  • States: Tennessee
  • Find an Advance Financial near you

Check Into Cash

  • Types of checks cashed: Cashier’s checks, government checks, handwritten checks, insurance,  loans, money orders, payroll, personal checks, tax refunds, and two-party checks
  • Check cashing fees: Vary by store, check type, and amount. You can find the fee schedule posted in the store lobby, or call your nearest store for details.
  • Needed to cash checks: Valid photo ID
  • Other financial services offered: Payday loans, title loans, flex loans, cash advances, bill payments, Western Union money orders and money transfers
  • Typical hours of operation: 10 AM – 6 PM Monday-Friday; 10 AM – 3 PM Saturday
  • Source: Check Cashing page at CheckIntoCash.com and calls to customer service
  • States: AL, AR, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY, LA, MI, MO, MS, NE, NV, NM, OH, OK, TN, TX, VA, WA, WI, WY
  • Find a Check Into Cash near you

Check ’N Go

  • Types of checks cashed: Cashier’s checks, government, insurance, money orders, payroll, personal checks, tax refunds, and more
  • Check cashing fees: Fees generally start at 1.99% of the total check amount, but rates vary by location and check type. Call your nearest store for details.
  • Needed to cash checks: Valid photo ID
  • Other financial services offered: Installment loans, payday loans, cash advances, Netspend prepaid cards
  • Typical hours of operation: 10 AM – 6 PM Monday-Thursday; 10 AM – 7 PM Friday; 10 AM – 2 PM Saturday
  • Source: Check ‘N Go’s Check Cashing page and calls to customer service
  • States: AL, CA, DE, FL, ID, IL, IN, IA, KS, KY, MI, MO, MS, NE, NV, NM, OH, OK, RI, SC, TN, TX, UT, WI
  • Find a Check ’N Go near you

Community Financial Service Center (CFSC)

  • Types of checks cashed: Benefit checks, business, government, insurance, payroll, social security, and tax refunds
  • Check cashing fees: Vary by location, check type, and amount. CFSC posts fee schedules in its store lobbies, or you can call your nearest store for details.
  • Needed to cash checks: Valid photo ID
  • Other financial services offered: Installment, payday, and title loans; money orders and money transfers; vehicle registration and title transfers; prepaid debit cards; tax direct deposit; bill payment and more
  • Typical hours of operation: 8:30 AM – 8 PM Monday-Friday; 9 AM – 6 PM Saturday; 9:30 AM – 5:30 PM Sunday
  • Source: CFSC’s Check Cashing page and calls to customer service
  • States: CA, CO, GA, IL, IN, MA, MO, NM, NY, PA, WI
  • Find a CFSC near you

Friendly Check Cashing

  • Types of checks cashed: Business, cashier’s, 401(k), government, insurance, money orders, payroll, personal, and tax refund
  • Check cashing fees: Vary by store as well as check type, and amount. Call your nearest store for details.
  • Needed to cash checks: Valid photo ID
  • Other financial services offered: Personal loans (at select Friendly locations); bill payments; Green Dot Prepaid Visa; Western Union money orders and money transfers
  • Typical hours of operation: 8 AM – 7 PM Monday-Wednesday; 8 AM – 8 PM Thursday and Friday; 9 AM – 5 PM Saturday
  • Source: Check Cashing page at FriendlyCheck.com and calls to customer service
  • States: North Carolina
  • Find a Friendly Check Cashing near you

Money Mart

  • Types of checks cashed: Government, insurance, money orders, payroll, personal, and small business
  • Check cashing fees: Vary by location, check amount, and check type. Call your nearest store for details.
  • Needed to cash checks: Valid photo ID
  • Other financial services offered: Payday, personal, and cash advance loans; Western Union money orders and money transfers; Momentum Prepaid Debit Card; Cash for Gold/Cash for Debit; gift card exchange
  • Typical hours of operation: 8 AM – 9 PM Monday-Friday; 9 AM – 7 PM Saturday; 10 AM – 5 PM Sunday
  • Source: Money Mart Check Cashing and calls to customer service
  • States: AK, CA, FL, HI, KS, LA, MO, OK, VA, WA
  • Find a Money Mart near you

National Check Cashers

  • Types of checks cashed: All types, such as business, government, lottery checks, money orders, payroll, and personal
  • Check cashing fees: Vary by check type, check amount, and location. Call your nearest store for its fee schedule.
  • Needed to cash checks: Valid photo ID
  • Other financial services offered: Consumer and short-term loans; bill payment; prepaid cards; Western Union money orders and money transfers
  • Typical hours of operation: 10 AM – 6 PM Monday-Thursday; 9 AM – 7 PM Friday; 10 AM – 3 PM Saturday
  • Source: Check Cashing page at NationalCheckCashers.com and calls to customer service
  • States: Ohio
  • Find a National Check Cashers near you

Pay-O-Matic

  • Types of checks cashed: Business, government, insurance, lawyers’ checks, payroll, personal, tax refunds, and union checks
  • Check cashing fees: About 3% of the total check amount
  • Needed to cash checks: Valid photo ID
  • Other financial services offered: Money transfers and money orders; Visa prepaid cards; bill payment; deposit/withdrawal services; prepaid services; and more
  • Typical hours of operation: Many locations are open 24 hours, but operating hours vary by location
  • Source: Check Cashing at the Pay-O-Matic website
  • States: New York (more specifically, the New York City area)
  • Find a Pay-O-Matic near you

PLS Check Cashing

  • Types of checks cashed: Business, government, insurance, out-of-state checks, payroll, personal, and tax refund
  • Check cashing fees: Fees start at $1 plus 1% of the total check amount
  • Needed to cash checks: Valid photo ID
  • Other financial services offered: Short-term personal loans, bill payment, direct deposit, Western Union money orders and money transfers, prepaid Visa card, insurance services, fax services, notary public, and more
  • Typical hours of operation: Most locations are open 24 hours.
  • Source: Check Cashing page on the PLS website
  • States: AZ, CA, IL, IN, KY, MA, NY, NC, OK, OH, TX, WI
  • Find a PLS Check Cashing near you

Speedy Cash

  • Types of checks cashed: Bank drafts, cashier’s checks, government, insurance, money orders, payroll, personal, and tax refund
  • Check cashing fees: Fees start at $2
  • Needed to cash checks: Valid photo ID
  • Other financial services offered: Payday, installment, and title loans; money orders and wire transfers; prepaid debit cards; Cash for Gold
  • Typical hours of operation: 8 AM – 9 PM Monday-Saturday; 10 AM – 4 PM Sunday. Some locations open 24 hours.
  • Source: SpeedyCash.com’s Check Cashing page and calls to customer service
  • States: AZ, AL, CA, CO, IL, KS, MO, MS, LA, NV, TN, WA
  • Find a Speedy Cash near you

The Check Cashing Store

  • Types of checks cashed: Government, insurance, money orders, payroll, personal, small business, and more
  • Check cashing fees: Vary by store, as well as check amound and type. Call your nearest store for its fee schedule.
  • Needed to cash checks: Two forms of ID, including a valid photo ID
  • Other financial services offered: Payday loans; Momentum prepaid Mastercard; Western Union money orders and money transfers; Cash for Gold; Gift Card Exchange
  • Typical hours of operation: 9 AM – 7 PM Monday-Thursday; 9 AM – 8 PM Friday; 8 AM – 5 PM Saturday; 10 AM – 5 PM Sunday
  • Source: The Check Cashing Store’s check cashing page and calls to customer service
  • States: Florida
  • Find The Check Cashing Store near you

United Check Cashing

  • Types of checks cashed: Benefit checks, business, government, insurance, payroll, personal, rebate checks, and tax refunds
  • Check cashing fees: Vary by check type and amount as well as location. Call your nearest store for more details.
  • Needed to cash checks: Valid photo ID
  • Other financial services offered: Payday loans (CO, DE, FL, OH only); money orders and money transfers; bill payment; prepaid debit cards; cash for gold and cash for gift cards; fax services; notary public; and more
  • Typical hours of operation: 9 AM – 6 PM Monday-Wednesday; 9 AM – 7 PM Thursday and Friday; 9 AM – 5 PM Saturday
  • Source: Check cashing page at the United Check Cashing website and calls to customer service
  • States: DE, NY, NJ, PA, MD, OH, MI, CO, TX, FL, GA
  • Find a United Check Cashing near you

USA Check Cashing Store

  • Types of checks cashed: Bonus checks, business, cashier’s checks, government, insurance, money orders, payroll, personal, settlement checks, and tax refunds
  • Check cashing fees: Vary by check type, check amount, and location. Call your nearest store for details of its fee schedule.
  • Needed to cash checks: Valid photo ID
  • Other financial services offered: Payday and title loans; bill payment; DMV registration; MoneyGram wire services; prepaid debit cards; cash for gold; cash for gift cards; notary public; and more
  • Typical hours of operation: 8 AM – 8 PM Monday-Friday; 9 AM – 7 PM Saturday; 10 AM – 4 PM Sunday
  • Source: Check Cashing page at USACheckCashingStore.com and calls to customer service
  • States: California
  • Find a USA Check Cashing Store near you

In Summary

If you were wondering, “Where can I get a cash advance near me?” we hope you no know. If you’re willing to pay a fee, cash advance companies can be a convenient way to cash many types of checks, thanks to evening and weekend hours. Many also offer payday loans, title loans, and installment loans. For most people, there is a check advance company near you that can help you out.

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