In most cases the your payday loan should be approved within 30 seconds when using the online application. You should get the money within 1-2 days. Check into Cash does require that you have a checking account to receive the money transfer, although it does also state that you can pickup the money from a local store. After you receive a pre-approval notice, you then wait and will get a call from a representative to make sure that the phone number and information that you provided is correct.
They are not that clear on the repayment terms. Overall, they have a good website with a map of where they support loans. It is very easy to go onto this site and click on your state and follow through to see the exact fee structure of the loans. As you can see, there is a fixed fee schedule that changes with the amount that is taken out. Here you can see they clearly show the financial fees.