Check City payday loans review June 2018 |

Check City payday loans review

We know that everyone's situation is unique and we aim to help you find the right product for you. We may receive compensation when you visit our partners' sites or are approved for their products. You can read more about how we maintain editorial independence and how we make money here.

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

States where Check City offers loans:

  • Alabama
  • Alaska
  • California
  • Colorado
  • Hawaii
  • Idaho
  • Illinois
  • Kansas
  • Missouri
  • Nevada
  • North Dakota
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin
  • Wyoming

If you don’t live in one of these states be sure to look at our payday loan guide to find out which lenders offer loans where you live.

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 June 22nd, 2018
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 Max. Loan Amount Turnaround Time Requirements
Check into Cash Payday Loan
With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
1–2 business days
You must be at least 21 and an American citizen and have a bank account, email address and phone number.
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.
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
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.
ACE Cash Express Payday Loans
Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
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.
LoanByPhone Payday and Installment Loans
This mobile lender offers convenient cash loans. Apply online or by phone.
1–2 business days
Must be 21 years old and have a Social Security number, a regular source of income, a valid email address, an active checking account and a phone number.
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.

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
  • Reside in one of the following states: AL, AK, CA, CO, HI, ID, IL, KS, MO, ND, NV, TX, UT, VA, WA, WI, WY.

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?

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.

4 Responses

  1. Default Gravatar
    TyJuly 13, 2017

    Do y’all do installments loans

    • finder Customer Care
      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.


    • Default Gravatar
      CrystalNovember 2, 2017

      Do you serve new jersey

    • finder Customer Care
      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.


Go to site