Check City payday loans review March 2019 |

Check City payday loans review

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You could have access to decent loan terms and other important financial products when you choose this lender.

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.

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

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 in your state.

What benefits come with a Check City payday loan?

Check City offers quite a few benenfits when you choose to borrow a short-term loan.

  • Online and in-store pickup. Depending on your state of residence, you may be able to visit a Check City store and have your loan application processed in-person.
  • 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.
  • Bad credit is OK. Your ability to repay matters more than your credit score, but you should still expect to be charged a hefty financing fee 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 March 19th, 2019
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
OppLoans Installment Loans
Installment loans with competitive rates from a top-rated direct lender.
1 business day
Must have direct deposit and meet minimum income requirements
Jora Installment Loans
Installment loans with repayment terms up to 30 months, depending on your state.
1–2 days
Must have an active checking account, regular source of income and email address.
LendYou Short-term Loans
Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
1 business day
You must be a US citizen or permanent resident, age 18+ and have a regular income.
CashUSA Installment Loans
A connection service for quick cash loans up to $10,000.
As early as 1 business day
Must have a monthly income of $1,000+ after taxes and valid checking account.
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 Short-term 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.
LendUp Payday Loans
LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see more details for 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.

Compare up to 4 providers

Products offered by Check City

In addition to payday loans, Check City also provides access to these services:

  • 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

You may not have access to every product or service depending on your state of residence.

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 Check City legit?

Yes. Check City is a a Better Business Bureau (BBB) accredited business and has an A- rating with over 90% positive reviews. 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.

Are Check City loans safe?

Yes. 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, paydya 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.

How do I apply?

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

Eligibility criteria:

  • Reside in a state serviced by Check City
  • Have a regular source of income
  • Have an open checking account
  • Be at least 18 years old (varies by state)
  • Be a citizen or permanent resident of the US

Required Information:

  • Your complete name, date of birth, Social Security number
  • Your address, email and phone number
  • Your income and employment information
  • Your bank account number and routing number

Bottom line

Check City has been making loans for over a decade and has a commitment to clear, transparent terms. If you find yourself in an emergency financial situation and need a small loan to help, then Check City may be a good option for you. 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.

Are payday loans available in my state?

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6 Responses

  1. Default Gravatar
    BrianaJanuary 1, 2019

    Is it possible to apply online or over the phone?

    • finder Customer Care
      CharisseJanuary 1, 2019Staff

      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
    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.


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