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Check City payday loans review

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Multiple short-term loan options in 16 states

Check City offers a variety of loans and money services to its client. And while it has the same risks as any short-term loan, it’s transparent policies may make it worth your time.

Same business day to 1 business days

Turnaround time


Product NameCheck City Payday Loan
Loan TermVaries by state
Loan SecurityUnsecured
Turnaround TimeSame business day to 1 business days
CostsDepends on state of residency.
RequirementsYou must have a checking account, photo ID and steady income.
Go to site

What is Check City?

Check City is a short-term lender that offers payday loans, installment loans and auto title loans. The amount you can borrow — and the fees you’re charged — will depend on the laws of your state. You can view sample costs on Check City’s website for both its online and in-store loan products.

Other services offered by Check City

In addition to short-term loans, Check City also provides access to these services at its branch locations:

  • Personal and business check cashing
  • Money orders and money transfers
  • Prepaid debit cards
  • Prepaid wireless
  • Gold buying
  • Tax preparation services
  • Bill pay services

What states is Check City available in?

Check City offers short-term loans in sixteen states:

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

What are the benefits of a Check City payday loan?

  • Quick processing. When you apply in store, the loan approval process only takes a few minutes, and you can receive your cash the same day. When you apply online, funds are usually deposited into your bank account by the next day.
  • Multiple in-store services. Check City’s services aren’t limited to payday loans. You may have access to a number of products, including prepaid debit cards, in any Check City store.
  • Responsible lender. Check City is a member of the Community Financial Services Association of America (CFSA) and the Utah Consumer Lending Association (UCLA).

What to watch out for

  • High fees. While your state laws will determine how much you pay, it can still be pricey — Check City may charge anywhere from $10 to $20 for every $100 you borrow.
  • May impact credit. If you’re late on a payment or default, Check City may report your missed payment to a credit bureau. This could potentially lower your score and make it more difficult to get a loan in the future.
  • Limited serviced states. Check City offers loans to residents of 16 states. And if you want to visit a store, you’ll be even more limited: Store locations are only open in Colorado, Nevada, Utah and Virginia.

Compare other short-term lenders

Data indicated here is updated regularly
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
OppLoans Installment Loans
1 business day
Direct deposit, meet minimum income requirements, live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
CreditLend connection service
Varies by lender
Regular source of income, checking account, not currently involved in bankruptcy or bankruptcy relief
Find a line of credit — even if you don't have a perfect score.
Check Into Cash Payday Loan
1 to 2 business days
Bank account, email address, phone number, US citizen or permanent resident, ages 21+
Plus, get access to check cashing, cell phone top ups, bill pay and more at one of its many storefronts.
Fast5kLoans Short-term Loans Connection Service
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
LendYou Short-term Loans
Same business day to 1 business days
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.

Compare up to 4 providers

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 your state. When you receive your loan offer document, you’ll have a chance to review the cost of your loan and its full terms before you sign.

If you roll over or refinance your loan, you should expect a processing fee in addition to having to pay off two loans. Many states have banned payday loan refinancing because of this. Avoid taking out a loan if you can’t afford it. Otherwise, you may be paying double or triple your original borrowed amount.

Is it safe to apply with Check City?

Yes. Its rates and terms are transparent. 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 both a customer service line and chat to help answer your questions.

Every Check City loan is legal and backed by state lending laws. Any information you supply is kept secure on encrypted servers, and you can easily view its full privacy policy and the terms of website use. Like all short-term loan products, payday loans and installment loans from Check City do come with the risk of default, but you can protect yourself against this by only borrowing the minimum amount you need and having a budget in place to make timely payments.

Check City reviews and complaints

BBB accredited Yes
BBB rating B+
BBB customer reviews 4.5 out of 5 stars, based on 36 customer reviews
Trustpilot score 4.5 out of 5, based on 1,453 customer reviews
Customer reviews verified as of 16 October 2020
Check City receives mixed reviews from its borrowers. Many are pleased with the speed of their loans and the understanding customer service. Others have issues with the high cost of the loan and inaccuracies with its billing.

Am I eligible?

To qualify for a loan, you must meet these requirements:

  • Regular source of income
  • Open checking account
  • At least 18 years old
  • US citizen or permanent resident

How do I apply?

Depending on your state of residence, you can apply for a payday loan by visiting a Check City location near you or on its website by following these steps:

  1. Click the Go to Site link and select Apply Now to start Check City’s online application.
  2. Enter your full name, email address, date of birth and zip code. Click Continue.
  3. Enter information about your income, employment, bank account and identity.
  4. Read Check city’s application disclosures and create a password for your account. Click Submit Your Application.

Check City will review your application within minutes. If approved, your loan may be funded within one to two business days.

What documents do I need to apply?

  • Social Security number
  • Proof of income and employment
  • Bank account number and routing number

I got the loan. Now what?

Once you have your loan, think about repayment. 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. Your loan agreement with Check City should state the due date and final amount you need to pay. And while you can renew your loan, avoid it if possible. Otherwise, you may be charged multiple fees that can quickly make it more difficult to repay.

If you make a late payment or default, Check City may charge a late fee or a returned payment fee. It may also impact your credit, so if you aren’t able to repay your loan, contact Check City to discuss your options.

Bottom line

Check City has been making loans for over a decade and has a commitment to clear, transparent terms. As with all short-term loans, it’s important that you compare your options before making a final decision. And if you’re not sure about Check City, you may want to see what lenders like Check City have to offer.

Frequently asked questions

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  1. Default Gravatar
    January 1, 2019

    Is it possible to apply online or over the phone?

    • Avatarfinder Customer Care
      January 1, 2019

      Hi Briana,

      Thanks for reaching out to finder.

      Yes, Check City offer loans over the phone for clients that apply online (via their website). However, please note that these loans won’t allow you to get your money until the next day. If you need to get cash on the same day, you will have to visit their store location and apply.

      I hope this helps. Please feel free to message us if you have further questions.


  2. Default Gravatar
    July 13, 2017

    Do y’all do installments loans

    • Avatarfinder Customer Care
      July 13, 2017

      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
      November 2, 2017

      Do you serve new jersey

    • Avatarfinder Customer Care
      November 2, 2017

      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.


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