My darling husband had a fondness for ATM's and cash. I swear the big guy thought the ATM was his own personal slot machine. Then one day, I heard him rummaging round online, and nearly passed out. Here he is with a befuddled grin happily applying for Check Into Cash. When I asked him why on earth he wanted this abomination, he said, "well I can get an advance, won't touch the ATM and we'll be happy!!!" HA!!!!
The interest rate is 391%. That's sheer madness. The staff is polite (they loved David), and he had his pockets lined with money for frappucino's and other snackies. The extended hours and multiple locations are helpful. But that's about all the good I have to say about them.
These places are a trap for anyone with less than a hefty income. You are borrowing against your paycheck, and it must be repaid within 48 hours or less, of receiving your pay. Thankfully, we could handle it, most can't. So the $200-400 you get from Check Into Cash, comes straight out of your next check.
Unless you have a truly urgent situation, I do not recommend using any of the payday advance places. An APR of 391% is too steep a price to pay for a temporary fix.