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Community Choice Financial

Community Choice Financial is a national, neighborhood-based lender offering financial products and services in store, online, and over the phone.

Last updated September 15, 2026

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Overview

Community Choice Financial is a nationwide family of financial services brands offering a diverse range of financial products, services, and career opportunities. It serves hard-working customers in store, online, and over the phone, aiming to fill the gap when a bank, family, or traditional credit is not an option. The company opened its doors in 1986 and today operates a network of over 1,500 retail locations nationwide, serving millions of customers across 30 states.

History

Community Choice Financial's story started with a single check-cashing store in Ohio in 1986. Over the next two decades, it expanded across multiple states, introduced new lending products, and laid the groundwork for what would become a national network of trusted financial service brands. From 2006 to 2010, with private equity backing, it accelerated retail expansion and product offerings, building a scalable infrastructure and positioning itself to unify multiple brands under one vision. From 2011 to 2015, it brought together CheckSmart, California Check Cashing Stores, and Cash Central under the Community Choice Financial name, strengthening its coast-to-coast presence and launching an omnichannel strategy with licensed online lending. From 2016 to 2020, it pursued strategic moves and market expansion, including asset swaps that optimized its footprint and refinanced growth; by 2020, it was operating hundreds of locations nationwide. From 2021 to 2023, it completed transformational acquisitions, welcoming Check Into Cash, Speedy Cash, Rapid Cash, and Avío Credit into its family of brands, expanding its storefront and digital footprint.

Products and positioning

A national, neighborhood-based lender committed to helping hardworking Americans access credit when they need it most, supporting underserved communities with fast, accessible financial solutions.

Product categories. personal lending · money services · check cashing · online lending

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