Check City payday loans review

Get access to funds quickly through a payday loan from Check City, even if you have bad credit.

When you apply with Check City, you can rest assured that it is a legitimate lender with your needs in mind. Check City is licensed in each state it operates, whether it has storefronts or online shops, and it specializes in lending services.

Our review below details all the important info you’ll need to know before you apply for a Check City payday loan.

Min Loan AmountDepends on state of residency
Max. Loan AmountDepends on state of residency
Loan TermVaries by state
Loan SecurityUnsecured
Turnaround TimeNext day
CostsDepends on state of residency.
RequirementsYou must have a checking account, photo ID and steady income.
  • Have a steady source of income
  • A current State or Federal ID
  • A Checking Account

Product Information

  • Product Name: Check City Payday Loans
  • Loan Term: Up to 31 days depending on state regulations
  • APR: Varies by state and loan terms, but can be as higher than 920.17%
  • Borrower maximums: Varies by state

What benefits come with a Check City payday loan?

As a Check City customer you can expect:

  • Quick processing. When applying in-store, the loan approval process only takes a few minutes, and you can receive your cash the same day. When applying online, funds are usually deposited into your bank account by the next day.
  • Multiple services. Check City’s services are not limited to payday loans. In any Check City store, you have access to a number of products. See the list below.
  • Bad credit is OK. What matters more than your credit score is your ability to repay, but you should still expect to be charged a hefty financing on top of a high APR for every loan you take out with Check City.
  • Responsible lender. Not only is Check City an accredited business with a BBB rating of A+, it’s also a member of the Community Financial Services Association of America (CFSA) and the Utah Consumer Lending Association (UCLA), guaranteeing that you’ll be treated fairly when you apply.

How do Check City payday loans compare?

Rates last updated December 13th, 2017
Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
Name Product Product Description Maximum Loan Amount Term of Loan Turnaround Time Requirements
LendUp Payday Loans
LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.
$250
7–30 days
generally receive the money the next business day
Be 18+ years of age and have a checking account that can accept electronic transfers.
CashNetUSA Loan
Apply for a short-term loan with an easy online application and dedicated customer service.
Varies by state
Varies by state
1 business day
You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
Check into Cash Payday Loan
With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
$1,000
Varies by state
1–2 business days
You must be at least 21 and an American citizen and have a bank account, email address and phone number.
ACE Cash Express Payday Loans
Quick short term, installment and title loans come with no prepayment penalty and a 72-hour satisfaction guarantee.
Varies by state
Varies by state
Generally receive the money the next business day
Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.

Compare up to 4 providers

Products offered by Check City

In addition to payday loans, Check City also provides

  • Cash advances
  • Check cashing
  • Installment loans
  • Business check cashing
  • Installment title loans
  • Title loans
  • Money orders
  • Prepaid debit cards
  • Prepaid wireless
  • Gold buying
  • Money transfers
  • Tax services
  • Insurance
  • Bill pay services

What are the costs of borrowing from Check City?

Like all payday loans, Check City payday loans are a costly form of credit. Actual fees and interest will vary depending on what state you live in, but when you receive your loan offer document, you’ll have a chance to review all the important information on costs before you sign.

If you roll over or refinance your loan, you should expect a fee for the process in addition to having to pay two loans off–your first in full and now your second. Many states have banned payday loan refinancing because of this, so avoid taking out a loan if you can’t afford it. Otherwise, you may be paying double or triple your original borrowed amount.

With Check City, you can expect full disclosure of all the costs before you apply, and if you have questions at any point in the application or repayment process, it has members on staff to help answer you.

There’s more you should know about payday loans before applying

Are Check City loans safe?

Check City vows to stand by their word and services. Every Check City loan is legal and backed by lending laws, and all information you supply is kept secure on encrypted servers.

Our article covers everything you need to know about Check City

How do I apply?

You can apply for a Check City payday loan by visiting any Check City location or their website.

Eligibility criteria:

  • Be at least 18 years old (varies by state)
  • Be a citizen or permanent resident of the US
  • Have a checking account
  • Have a regular source of income

Required Information:

  • Your complete name, date of birth, Social Security number, home address, email address and phone number
  • Your income and employment information
  • Your bank account number and routing number
  • Identity information from a valid form of ID

Frequently asked questions

Are payday loans available in my state?

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4 Responses

  1. Default Gravatar
    TyJuly 13, 2017

    Do y’all do installments loans

    • Staff
      AnndyJuly 13, 2017Staff

      Hi Ty,

      Thanks for your question.

      If you are looking for an installment loan, you may compare your options here.

      Kindly review the eligibility criteria and the relevant terms and conditions of the loan before submitting your application.

      Cheers,
      Anndy

    • Default Gravatar
      CrystalNovember 2, 2017

      Do you serve new jersey

    • Staff
      AnndyNovember 2, 2017Staff

      Hi Crystal,

      Thanks for your question.

      Check City payday loan is not available in New Jersey.

      You can check this page to compare your loan options in New Jersey.

      Before submitting your application through our “go to site” button, kindly review the eligibility criteria on our review page.

      Cheers,
      Anndy