how much does pls charge to cash a check

PLS Check cashing is described as a service that lets you cash checks for one percent cost and the fee of $1. PLS Financial Services (PL$) refers to Payday Loan Store. The company was founded in 1997. The company is headquartered in Chicago, IL, and has branches across the 12 US states.

We’re PLS; a company committed to making people’s lives simpler by providing them with practical or helpful everyday money solutions and more.

Payday Check Service is Available through PLS

PLS provides a wide range of cashing services for checks. These include:

  • Personal checks
  • Paychecks
  • Out-of-state checks
  • Government checks

These are just a few of the services offered. We will discuss PLS’s other products and services later in this article.

PLS Financial Services Company Overview

PLS Financial Services now has more than 300 branches in 12 states. They are growing continuously. Their goal is to make it simpler to earn cash for all their customers.

It has been a while since businesses providing services such as online payday loans and check cashing have been seen as “shady” in the eyes of the general public. Yet, PLS Financial Services aims to impact the lives of its clients. As its website indicates (, PLS Financial Services is available 24 hours a day.

Alongside cashing checks, PLS offers products and services such as credit for individuals or personal loans, as well as title transfer as well as credit cards that allow prepaying use, as well as tax refunds. Businesses like Check Into Cash are considered the primary competitors. Cashing checks is at the heart of their operations.

From Glassdoor, the financial services sector is expected to comprise between 1,000 to 5,000 workers with annual revenues of between $100 to $500 million. With this kind of income, it’s clear that this isn’t just an ordinary mom-and-pop shop.

PLS Credit Card Cashing locations

Pay-by-checks at PLS are accessible at various locations throughout all across the US:

  • Arizona
  • Indiana
  • New York
  • Oklahoma
  • California
  • Kentucky
  • North Carolina
  • Texas
  • Illinois
  • Massachusetts
  • Ohio
  • Wisconsin

It could appear to be an unintentional scattering of states, but PLS continues to expand. While many customers purchase goods using credit cards nowadays, cash remains an extremely popular payment method. “Cash is the most powerful,” as they say. It will continue to become a huge success as long as it’s true.

What is its performance?

Check cashing through PLS lets users convert their checks into cash. One benefit of PLS check cashing is that you’re capable of receiving money on your check without opening an account at the bank. They are typically open throughout the day, which is the case for PLS.

According to the FDIC, FDIC’s statistics show that in 2017, 6.5% of all households across the US did not have a bank account. Although that may seem like a small amount, it’s 8.4 million individuals. There are numerous reasons why people don’t have a bank account, but there’s a chance when there’s a need for it.

If you’re not a financial institution and require money to paychecks, this is a must-have service when you have to cash the need to cash the check. Without these services, the individual will be left with no options.

Apart from the fact that you do not require an account with a financial institution for check cashing services such as PLS, Another advantage is the amount of time the services use up.

What’s the timeframe?

Check cashing is quick and straightforward if you’re seeking cash to cover the cost of your check. The process is almost instantaneous. Be aware of the additional cost of 1% and the $1 fee. This is the price you pay to enjoy convenience. Direct deposits can be completed fast too.

If you’reYou’llequire the routing number. However, if you’re making direct deposits, it’s unnecessary when you’re just looking for cash. Cash is generally the most convenient and fast alternative.

Related to How to Locate your Routing number for Your Bank of America Routing Number

If you’re depositing money to a bank account, it’s a regular transfer to a bank. This means that it could take up to two days to complete. But, since the main reason to consider checking cashing is the immediate access to cash, it’s not the most popular option.

Cashing locations for checks legal?

Establishments that cash checks are legally operating. But, there are general rules and regulations they have to adhere to. The laws vary based on how they cash checks every day. They are classified as “regulated” when they prove that they deposit a minimum of $1,000 daily.

In these situations, the business that cashes checks must abide by the cashing of checks. If they don’t follow the regulations and rules that were established and enforced, they may be subject to penalties or even be required to close their company for the rest of their lives.

Do Checks Cashing Personal Checks Cash?

Check cashing companies typically can accept checks from personnel. This is also true for Checking with PLS. Each business is unique, and generally, it is difficult to tackle this issue. It is recommended to talk to an individual in the company directly or call them.

Personal checks aren’t as popular as they once were, but millions use individual checks. This makes cashing checks a viable alternative for those with no bank accounts.

The reason that Cashing checks is not a Good Idea.

If you’re using a reliable service, There’s no reason to believe that the services are inadequate. They do have costs that can be avoided by opening a bank account. But it’s not the norm, and checking cashing services can be helpful.

The procedure of paying fees to cash a check that has not been paid could mean “paying money to access your account funds.” Although this is a correct definition, what you’re purchasing is the option to cash checks without having an account with the bank.

Check Cashing for Free is it possible?

There’s a way to deposit an unpaid check, but, likely, you will not be in a position to cash it through PLS Checking or any other similar solution. The cash cost of a check isn’t just to make more money for the company. It also helps protect the cash from theft.

It is expected that the business will do the best it can to avoid the possibility of fraud. But, this kind of business comes with an opportunity. Fraud is harder to stop without an expense since counterfeit checks aren’t cost-effective.

How do you locate a place near you?

The easiest way to find PLS check cashing station PLS checking station to cash checks is by searching for a location via the PLS website. Several areas within Chicago aren’t surprising given that Chicago is a major city and the location of its headquarters.

If you’re located in one of the states that have places, you might be able to find one close to your home, too. They are constantly growing, so you could soon find one near your house even if you don’t possess one.

Closing PLS Paying with Checks

Check cashing with PLS can be a means for all to get instant cash to exchange checks. One of the most significant advantages of this particular option is that you don’t need a bank account to access this service.

However, it comes with an expense. The price for PLS check cashing is one percent of the check’s total amount, plus the amount of $1. This fee is utilized to generate revenue for PLS and ensure their safety. The cost may seem minimal, but it could add quite a bit throughout.

In the final analysis, PLS check cashing provides outstanding service to people who need this service. They are constantly expanding their services and are growing rapidly. So long cash remains the preferred method of payment, and cash checks are accepted, they are sure to be popular as well.


helpful everyday money solutions, pls check cashers, bill payments, money orders, making life

Latest posts by Jason Rathman (see all)

Photo of author

Author D Laidler

I am David, economist, originally from Britain, and studied in Germany and Canada. I am now living in the United States. I have a house in Ontario, but I actually never go.  I wrote some books about sovereign debt, and mortgage loans. I am currently retired and dedicate most of my time to fishing. There were many topics in personal finances that have currently changed and other that I have never published before. So now in Business Finance, I found the opportunity to do so. Please let me know in the comments section which are your thoughts. Thank you and have a happy reading.

Thank you for visiting

Leave a Comment

Business Finance

About Us

Business Finance News is a brand oriented to business owners and dedicated to analyzing and comparing the cost and conditions of B2B procurement of goods and services through free quotes delivered by business partners.


Address 5050 Quorum Drive, (75254) Dallas TX

telephone 844-368-6072


A personal loan is a medium term loan with a fixed interest rate that is repaid in equal monthly payments and it's usually limited to 24 months. Loan offers and eligibility depend on your individual credit profile. Our lenders can help you obtain as much as $3,000 depending on the lender, your state and your financial situation.

The owner and operator of is not a lender and is not involved into making credit decisions associated with lending or making loan offers. Instead, the website is designed only for a matching service, which enables the users contact with the lenders and third parties. The website does not charge any fees for its service, nor does it oblige any user to initiate contact with any of the lenders or third parties or accept any loan product or service offered by the lenders. All the data concerning personal loan products and the industry is presented on the website for information purposes only. does not endorse any particular lender, nor does it represent or is responsible for the actions or inactions of the lenders. does not collect, store or has access to the information regarding the fees and charges associated with the contacting lenders and/or any loan products. Online personal loans are not available in all the states. Not all the lenders in the network can provide the loans up to $3,000. cannot guarantee that the user of the website will be approved by any lender or for any loan product, will be matched with a lender, or if matched, will receive a personal loan offer on the terms requested in the online form. The lenders may need to perform credit check via one or more credit bureaus, including but not limited to major credit bureaus in order to determine credit reliability and the scopes of credit products to offer. The lenders in the network may need to perform additional verifications, including but not limited to social security number, driver license number, national ID or other identification documents. The terms and scopes of loan products vary from lender to lender and can depend on numerous factors, including but not limited to the state of residence and credit standing of the applicant, as well as the terms determined by each lender individually. 


APR (Annual Percentage Rate) is the loan rate calculated for the annual term. Since is not a lender and has no information regarding the terms and other details of personal loan products offered by lenders individually, cannot provide the exact APR charged for any loan product offered by the lenders. The APRs greatly vary from lender to lender, state to state and depend on numerous factors, including but not limited to the credit standing of an applicant. Additional charges associated with the loan offer, including but not limited to origination fees, late payment, non-payment charges and penalties, as well as non-financial actions, such as late payment reporting and debt collection actions, may be applied by the lenders. These financial and non-financial actions have nothing to do with, and has no information regaining whatsoever actions may be taken by the lenders. All the financial and non-financial charges and actions are to be disclosed in any particular loan agreement in a clear and transparent manner. The APR is calculated as the annual charge and is not a financial charge for a personal loan product. 

Late Payment Implications

It is highly recommended to contact the lender if late payment is expected or considered possible. In this case, late payment fees and charges may be implied. Federal and state regulations are determined for the cases of late payment and may vary from case to case. All the details concerning the procedures and costs associated with late payment are disclosed in loan agreement and should be reviewed prior to signing any related document. 

Non-payment Implications

Financial and non-financial penalties may be implied in cases of non-payment or missed payment. Fees and other financial charges for late payment are to be disclosed in loan agreement. Additional actions related to non-payment, such as renewals, may be implied upon given consent. The terms of renewal are to be disclosed in each loan agreement individually. Additional charges and fees associated with renewal may be applied. 

Debt collection practices and other related procedures may be performed. All the actions related to these practices are adjusted to Fair Debt Collection Practices Act regulations and other applicable federal and state laws in order to protect consumers from unfair lending and negative borrowing experience. The majority of lenders do not refer to outside collection agencies and attempt to collect the debt via in-house means. 

Non-payment and late payment may have negative impact on the borrowers’ credit standing and downgrade their credit scores, as the lenders may report delinquency to credit bureaus, including but not limited to Equifax, Transunion, and Experian. In this case the results of non-payment and late payment may be recorded and remain in credit reports for the determined amount of time.