Check City payday loans review

Information verified correct on May 22nd, 2017

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
Turnaround TimeNext day
CostsDepends on state of residency.
RequirementsYou must have a checking account, photo ID and steady income.

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

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 is a payday loan?
A payday loan, also known as a cash advance loan, is a short-term personal loan (typically $500 or less) that usually must be repaid within two weeks to a month. 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, and are even not permitted in some states.

What benefits come with a Check City payday loan?

As a Check City customer you can expect:

  • Quick processing. When applying in-store, once you’ve filled out the application, the loan approval process only takes a few minutes. To get the loan approved and have cash in hand usually only takes about 15 minutes. When applying online, funds are usually deposited into your bank account the next day.
  • Apply if you have a bad credit history. While most conventional lenders follow strict lending criteria, and people with poor creditworthiness stand little chance of getting approved, this is not the case with Check City, which 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.
  • Multiple services. Check City’s services are not limited to payday loans. In any Check City store you can cash a check, transfer money to a friend, get a cash advance loan, refinance your home, get help with your tax preparation, and much more.

More information about the Online Lenders Alliance (OLA)

How do Check City payday loans compare?

Rates last updated May 22nd, 2017
Max. Loan Amount Term of Loan Turnaround Time Costs
Check City Payday Loan
Apply for a fast, secure and confidential payday loan — even with less-than-perfect credit.
Depends on state of residency Varies by state Next day Depends on state of residency. Go to site More

Have we missed anything in the comparison table? Tell us

  • If the provider quotes a different rate to the one above please let us know
Rates last updated May 22nd, 2017
Max. Loan Amount Term of Loan Turnaround Time Costs
LendUp Payday Loans
LendUp offers $250 loans for first-time borrowers. Good credit is not required.
$250 7–30 days 1 business day Varies depending on the loan terms and your state of residence. Go to site More
OppLoans Installment Loans
Get a better personal loan of up to $5,000 with 9- to 24-month repayment terms, depending on your state.
$5,000 9 to 24 months 1 business day Depends on state of residency. Go to site More
Check into Cash Payday Loan
With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
$1,000 Varies by state 1–2 business days Varies depending on the amount and your state of residency. Go to site More
Check City Payday Loan
Apply for a fast, secure and confidential payday loan — even with less-than-perfect credit.
Depends on state of residency Varies by state Next day Depends on state of residency. Go to site More
CashNetUSA Loan
Apply for short term loans, installment loans or lines of credit in 30 states typically with a day’s turnaround.
$2,250 Varies by state 1 business day Varies by state of residency. Go to site More
ACE Cash Express Payday Loans
Quick short term, installment and title loans come with no prepayment penalty and a 72-hour satisfaction guarantee.
Varies by state Varies by state Generally receive the money the next business day Varies depending upon the state where you reside. Go to site More

Have we missed anything in the comparison table? Tell us

  • If the provider quotes a different rate to the one above please let us know

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 fees and charges vary from state to state, and whether you apply online or in-store can also have a bearing on the costs. The annual percentage rate (APR) also varies depending on the loan term and the state in which you live. Loan renewals and extensions attract fees, and you might have to pay late fees, NSF fees, and finance charges as the loan progresses.

Because payday loans are accompanied by high finance fees and charges, carefully examine the terms and conditions of your loan before accepting the offer.

Find out your credit score here

Are Check City loans safe?

Check City vows to stand by their word and services, as well as back it up by abiding by state and federal lending laws. 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 online. You will need to meet the following eligibility requirements:

Eligibility criteria:

  • You have a checking account
  • You have a valid photo ID
  • You have a regular source of income


To complete the application, you will be asked to provide the following information:

  • Personal details, like 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
  • You bank account number and routing number.
  • Identity information from your driver’s license, state-issued ID, military ID, or passport

Are payday loans available in my state?

Frequently asked questions

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 via this method.

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.

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