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Cash advance: No checkbook? No problem

As technology continues to evolve, so is the evolution of traditional cash advance loans and the growing ways lenders are now able to service more customers who are short on funds. Learn more about how new advances in technology is allowing some companies to now be able to offer cash advances to customers who don’t have a checkbook on hand.


The traditional cash advance or payday loan has been around for quite some time – where the borrower writes a personal check for the total loan amount plus the small fee and the lender holds the check as collateral to secure the loan until the customer pays it back on their next payday (usually in two weeks or a month).


Now, some companies are introducing a new way for borrowers who do not have a checkbook to still get the cash they need with a payday loan. Rather than using a personal check as collateral to secure the loan, customers now have the option to allow their lender to print a check for them inside the office using their bank account information.

Since a lot of customers today simply do not keep personal checks on them and since the demand on average has significantly dropped, some companies have decided to create a way for customers to get a payday loan without a checkbook.

How it works

The process works out the same. Customers must be at least 18 years old (19 in Alabama) and bring in the following loan requirements:

  • Most current checking account statement
  • Checkbook (or select lenders can print a check for you)
  • Proof of income (most recent paycheck stub)
  • Proof of residence such as a utility bill, rent receipt or pay stub
  • SSN verification (or ITIN verification)
  • A valid government-issued photo ID

Learn more about how payday loans work here.

Printing the check for you in the store is also a very simple process. All the customer has to be able to do is provide their checking account number and routing number information to the loan agent. Once that information is entered and verified, a personal check can then be printed right there in the store.

Not only does this work well for those who do not have checks, but it also allows for the loan approval process to continue without having to possibly leave the office to go and retrieve a check. This saves checks and it saves valuable time.


To finish the process, customers must simply sign the check and woolah! The collateral for the cash advance loan is complete. You can then walk out with the cash you need and gain the peace of mind you need to tackle those unexpected expenses worry-free.

This new technology is allowing companies to go above and beyond to provide the best customer service and make the loan process as smooth and as easy as possible. No checkbook? No problem! Get the help you need, when you need it… even if you don’t have personal checks.


For over 20 years, Always Money Finance has been a regional leader in providing affordable credit solutions to customers across the southeast looking for a convenient and confidential way to meet their needs. Getting a handle on your money takes time, and Always Money understands. If you’re in a jam and need immediate help, any of Always Money’s small personal loan options may be just what you need to get you going in the right direction.


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