Loans & Advances
Build Financial Stability with Installment Loans
Financial stability isn't about avoiding financial challenges—it's about having the right tools to manage them with confidence.
July 24, 2026Read More
Installment Loans in Florida
Borrow Up to $1,000
No Credit Check Required
Get the money you need with scheduled payments that give you more time to repay.
- No credit check
- Borrow up to $1,000
- Multiple scheduled payments
- Clear payment schedule before you sign
- Serving South Florida communities for 40 years
Loans subject to approval and Florida eligibility requirements.
No Credit Check. Simple.
Your credit score doesn't determine whether you can apply.
-
No Credit Check
We don't pull your credit report to determine eligibility.
-
Proof of Income
Provide documentation of your income.
-
Active Checking Account
An active checking account is required.
-
Valid Photo ID
Bring a valid government-issued photo ID.
How Installment Loans Work
Get the Cash You Need in 4 Simple Steps
-
1
Choose Your Amount
Select how much you need, up to $1,000.
-
2
Complete Your Application
Start online or visit your nearest Check Cashing USA location.
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3
Review Your Terms
See your payment amount, payment dates, fees and APR before signing.
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4
Get Your Cash
Sign your loan agreement and receive your cash in store.
Which Option Fits Your Needs
Both options offer no credit check. Here's how they compare:
| Payday Loan | Installment Loan | |
|---|---|---|
| Borrow Up To | $500 | $1,000 |
| Credit Check | No Credit Check | No Credit Check |
| Repayment | One payment | Multiple payments |
| Payment Schedule | Due date | Scheduled payments |
| Best For | Smaller short-term need | More money + more time to repay |
| Apply | In Store | In Store |
More Time to Repay
Choose the payment schedule that works for you.
Bi-weekly Payments
Designed around customers paid every two weeks.
- Payment 1
- Payment 2
- Payment 3
- Paid
Monthly Payments
Fewer scheduled payments for qualifying customers.
- Month 1
- Month 2
- Paid
What You Need — And What You Don't
Have this ready to make the process faster.
You'll Need
- 18+ years old
- Government-issued ID
- Active Checking Account
- Proof of Income
- Contact Phone Number
You Won't Need
- Credit check
- Perfect credit
- High credit score
- Long application process
Example: $1,000 Installment Loan
See how your payments break down (bi-weekly).
- You Receive
- $1,000
- Finance Charge
- $258.01
- 5 Payments
- $251.60*
- Total Payments
- $1,258.01
APR: 212.51%
* Final payment: $251.61. Actual loan terms, payment amounts and dates will be provided in your loan agreement.
Find a LocationSee How Your Payments Work
Example payment schedule for a $1,000 loan (bi-weekly):
| Payment | Estimated Payment | Principal | Interest Fee | Verification Fee | Estimated Remaining Balance |
|---|---|---|---|---|---|
| #1 | $251.60 | $166.62 | $79.98 | $5.00 | $1,006.41 |
| #2 | $251.60 | $184.95 | $66.65 | $0.00 | $754.81 |
| #3 | $251.60 | $199.74 | $51.86 | $0.00 | $503.21 |
| #4 | $251.60 | $215.71 | $35.89 | $0.00 | $251.61 |
| #5 | $251.61 | $232.98 | $18.63 | $0.00 | $0.00 |
| Total | $1,258.01 | $1,000.00 | $253.01 | $5.00 |
Remaining balance is the total of the payments still due. This example assumes a full 14-day first period. Actual loan terms, payment amounts and dates will be provided in your loan agreement.
Installment Loans Near You in South Florida
Need an installment loan near you? Check Cashing USA serves customers throughout South Florida with convenient neighborhood locations.
REVIEWS
Trusted by Thousands of Customers
I had an excellent experience here! The staff was friendly, professional, and made the whole process quick and easy.
- Carrianna Oliver
Check Cashing USA made everything quick, easy, and stress free while still making me feel welcomed and valued as a customer.
- Marsha Lemaistre
I've been here twice and the customer service is immaculate. The workers are very friendly and polite.
- Epthious Farrell
FAQ
Installment Loan FAQs
Do I need a credit check to apply for an installment loan?
No. We don't pull your credit report to decide whether you can apply. You need to be 18 or older with a valid government-issued photo ID, proof of income, an active checking account and a contact phone number. Every loan is subject to approval, and eligibility is subject to a statewide database.
How much can I borrow with an installment loan?
Florida law allows installment loans of up to $1,000. The amount you can borrow depends on your income and on approval, which is subject to a statewide database.
How do Check Cashing USA installment loans work?
You borrow up to $1,000 and repay it in a set number of scheduled payments instead of all at once. Your payment amounts, due dates, fees and APR are disclosed in your loan agreement before you sign, and you receive your cash in store.
What do I need to apply for an installment loan?
You must be 18 or older and bring a valid government-issued photo ID and proof of income, such as your latest pay stub. You also need an active checking account and a contact phone number.
Can I get an installment loan with bad credit or no credit history?
Yes, you can apply. We don't pull your credit report to determine eligibility, so bad credit or no credit history does not stop you from applying. Every loan is subject to approval, and eligibility is subject to a statewide database.
How are installment loan payments made?
You make each scheduled payment on the due dates set in your loan agreement, usually bi-weekly to match your pay dates, or monthly for qualifying customers. You can pay at any Check Cashing USA location or make a payment online.
How much does a $1,000 installment loan cost?
For example, a $1,000 loan with a full two-week first period has a $258.01 finance charge, including a $5 verification fee, for a total of payments of $1,258.01. It is repaid in 4 bi-weekly payments of $251.60 and a final payment of $251.61, at an Annual Percentage Rate (APR) of 212.51%. Your exact terms are disclosed in your agreement before you sign.
What is the difference between a payday loan and an installment loan?
A payday loan is up to $500 and is repaid in one payment on your due date. An installment loan is up to $1,000 and is repaid in multiple scheduled payments, which gives you more time to repay.
Can I start my installment loan application online?
You can start your application online to speed things up, but you will need to visit a Check Cashing USA location to complete the loan.
How quickly can I receive my installment loan?
Once your application is complete and approved at the store, you sign your loan agreement and receive your cash during the same visit.
Where can I find a no credit check installment loan near me?
Installment loans are available at Check Cashing USA locations across South Florida. Enter your ZIP code in our location finder to see the stores nearest you, then visit to complete your application.
Can members of the military get an installment loan?
No. Check Cashing USA cannot offer a loan to an active member of the military or to his or her spouse or dependent.
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Customer notice
Payday and installment loans should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.
Check Cashing USA is regulated by state and federal laws and operates only in Florida. Loans are subject to approval, and eligibility is subject to a statewide database.
Check Cashing USA cannot offer you a loan if you are an active member of the military or his or her spouse or dependent.
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