Check and Cash has seven locations in Michigan's Upper Peninsula to serve you!

Escanaba
906.233.1000

Houghton
906.482.4500

Iron Mountain
906.779.2900

Ishpeming
906.485.5000

Marquette
906.227.0000

Menominee
906.864.9000

Sault Ste. Marie
906.253.7000


 

Deferred Presentment and how it works

At Check and Cash, we advance you money on your personal checking account and hold it until your next payday. 

What we need from you:
  * Your current checking account statement (at least 30 days of activity.)
   * Your current income, last two paystubs or other proof of income.
   * Valid drivers license or state issued photo ID.
   * Social security card.
   * A check.

Your advance is based upon your income. The finance charge is state regulated, and based upon the amount of your advance (see chart below).

Just write us a check for the amount of the advance plus the finance charge and we give you the cash. When your advance is due you pay us the total advance amount in cash, including the finance charge,  and you get your personal check back.  All of our offices are confidential, your information stays with us. We do not give it out or sell it.

When something unexpected comes up between your paydays, let us help. Borrow as much as you need to get you through. We are a least expensive alternative to get immediate cash in your hands when you need it.

Annual Percentage Rate 
The cost of your credit as a yearly rate
Finance Charge*
The dollar amount the credit will cost you
Amount Financed
The amount of credit provided to you or on your behalf
 
Total of Payments
The amount you will have paid after you have made all payments as scheduled
416.62% $7.99 $50.00 $57.99
408.10% $11.74 $75.00 $86.74
403.85% $15.49 $100.00 $115.49
396.08% $18.99 $125.00 $143.99
390.92% $22.49 $150.00 $172.49
387.20% $25.99 $175.00 $200.99
384.42% $29.49 $200.00 $229.49
379.37% $32.74 $225.00 $257.74
375.32% $35.99 $250.00 $285.99
375.02% $39.24 $275.00 $314.24
369.26% $42.49 $300.00 $342.49
364.92% $45.49 $325.00 $370.49
361.20% $48.49 $350.00 $398.49
357.98% $51.49 $375.00 $426.49
355.16% $54.49 $400.00 $454.49
351.14% $57.24 $425.00 $482.24
347.56% $59.99 $450.00 $509.99
344.36% $62.74 $475.00 $537.74
341.48% $65.49 $500.00 $565.49
338.88% $68.24 $525.00 $593.24
336.51% $70.99 $550.00 $620.99
334.35% $73.74 $575.00 $648.74
332.37% $76.49 $600.00 $676.49
 
*The Finance Charge is based on 14 day terms.  Your APR may be different if your Deferred Presentment        Transaction is not 14 days.  The actual APR will be disclosed in the Federal Truth in Lending section of            your agreement.  The above fees include a  $0.49 database verification fee.  You may also be            
subject to a $28.66  returned check fee or $17.20 Repayment Plan Fee.