Check City payday loans review September 2019 |

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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.

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 CheckCity's website

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?

Updated September 15th, 2019
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
1 business day
Direct deposit, meet minimum income requirements
Comes with the option to change your due date so you won’t fall behind on repayments.
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.
1 to 2 business days
Active checking account, regular source of income, email address
Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.
Varies by state
1 business day
Regular source of income, bank account, US citizen or permanent resident, ages 18+
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
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.
Same business day to 1 business days
Employed, $800+ regular monthly income, checking account, ages 18+, US citizen
Fill out a simple online form to compare offers from several lenders that may be able to help.
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.
As early as 1 business day
$1,000+ monthly income after taxes, valid checking account
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
As soon as the next business day
Checking account with ACH, proof of income, Social Security number, ages 18+
Get rewarded for making on-time repayments with better rates and terms on future loans.

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?

Depending on your state of residence, you can apply for a payday loan by visiting a Check City location near you or on 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?

Frequently asked questions

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  1. Default Gravatar
    January 1, 2019

    Is it possible to apply online or over the phone?

    • AvatarStaff
      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

    • AvatarStaff
      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

    • AvatarStaff
      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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