Check City payday loans review

Get access to funds quickly through a payday loan; you can even apply if you have bad credit.

Check City is a state licensed lender with an online presence and storefronts in Utah, Nevada, Virginia and Colorado. This lender specializes in providing short-term loans, as well as many other lending and financial services. Some of these include money orders, prepaid debit cards, prepaid wireless services, gold buying services, tax services and insurance solutions.

Check City lets you apply for a loan even if you don’t have a good credit history. Their online application process is quick and easy, and you can look forward to a quick approval and disbursement of funds.

Product NameCheck 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 loan
  • Loan Term: Up to 31 days, depeding on state
  • APR: Varies by your state of residency and loan terms, but can be as high as 920.17% or more
  • Borrower maximums: Varies

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.
  • Apply even if you have a bad credit history. Check City accepts applications from individuals with poor credit as long as the applicant has the ability to repay the loan. However, you will be charged a hefty financing charge, and like all same-day loans, you should expect a high APR.

More information about the Online Lenders Alliance (OLA)

How do Check City payday loans compare?

Rates last updated August 24th, 2017
Name Product Max. Loan Amount Term of Loan Turnaround Time Costs
Check City Payday Loan
Depends on state of residency
Varies by state
Next day
Depends on state of residency.

Compare up to 4 providers

Rates last updated August 24th, 2017
Name Product Max. Loan Amount Term of Loan Turnaround Time Costs
LendUp Payday Loans
7–30 days
Generally receive the money the next business day
Depends on your state, loan product, loan amount and the term of the loan.
CashNetUSA Loan
Varies by state
Varies by state
1 business day
Varies by state of residency.
ACE Cash Express Payday Loans
Varies by state
Varies by state
Generally receive the money the next business day
Varies depending upon the state where you reside.
Check City Payday Loan
Depends on state of residency
Varies by state
Next day
Depends on state of residency.
Check into Cash Payday Loan
Varies by state
1–2 business days
Varies depending on the amount and your state of residency.

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

Son's broken arm

Jamie has a great budget, but this month she fell a little short due to the medical bills from her son’s broken arm. The x-rays cost about $100.

Fortunately, she contacts Check City and finds out the minimum she can borrow online is $100 with a $20 fee after a term of 30 days. Jamie knows she’ll be able to pay it off by the end of the month and adjusts her budget accordingly. Now her son has a cast and Jamie doesn’t have to worry about being late on the rent or her car payment.

What are the costs of borrowing from Check City?

Check City gives you a clear indication of all associated fees and charges through the loan offer document. These vary from state to state. Applying online or in-store may also have a bearing on the costs.

The APR also varies depending on the loan term and the state in which you live. Loan renewals and extensions attract fees. You may also have to pay late fees, NSF fees and finance charges as the loan progresses.

Because payday loans are accompanied by high charges, carefully examine the terms and conditions of your loan before accepting the offer. You should never take out a loan unless you know you have the ability to repay.

Find out your credit score here

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 for your peace of mind.

Is Check City Loans legit or a scam?

How do I apply?

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

Eligibility criteria:

  • A checking account
  • A valid photo ID
  • A regular source of income

Required Information:

  • Your complete name, date of birth, Social Security number, home address, email address, and phone number
  • Income and employment information, like your gross monthly income, pay period, next payday, and employer’s name and phone number
  • Your bank account number and routing number.
  • Identity information from your driver’s license, state-issued ID, military ID or passport

Frequently asked questions

A payday loan, also known as a cash advance loan, is a short-term personal loan (typically $500 or less) which usually must be repaid within 2-4 weeks. The repayment date is determined by your pay schedule. Because payday loans come with steep finance charges, it is not a long-term solution, but a temporary fix to an unexpected financial situation. Rules and regulations for payday loans vary from state to state.

Yes! Check City is licensed in each state where it operates and is the direct lender of your loan (with the exception of Texas, where Check City services your loan through an affiliated short-term loan provider).

Yes. Keep in mind you will need to fax documents to Check City in order to apply by this method.

There are a number of ways to make payments on your loan. Funds can be drafted from your bank account, Check City can deposit the check you left as collateral, or you can pay using cash or a debit card. Repayment options depend on whether you applied for the loan in-store or online.

If you apply online, approved funds transfer into your nominated bank account. If you apply in-store, you will receive cash.

Yes, you can pay the loan off completely before the end of the term without incurring any penalties.

Are payday loans available in my state?

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2 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.