Check City payday loans review

Online and in-store loans from a transparent payday lender. But watch out for high fees.

finder.com’s rating: 4.3 / 5.0

★★★★★

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

Same business day to 1 business days

Turnaround time

Details

Product NameCheck City Payday Loan
Loan TermVaries by state
Loan SecurityUnsecured
Turnaround TimeSame business day to 1 business days
CostsVaries by state
RequirementsActive checking account, photo ID, steady income

Review by


Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.

Expert review

Check City is a licensed payday lender that offers payday loans across 15 states. It’s more transparent about state protections for consumers than most payday lenders. But this means that fees, terms and loan amounts vary widely depending on where you live.

Consider another lender if you want to apply in person. Check City only has in-store locations in Utah, Nevada, Virginia and Colorado. Residents of other states can apply online. Read our full review.

Check City rates, fees and terms

Check City rates, fees and terms vary widely depending on where you live. Typically you have between seven and 31 days to repay your loan with a fee of around $15 to $20 per $100 borrowed.

But that’s not always the case. In a few states, terms run as long as five or six months, with interest instead of a flat fee.

Regardless of how much you borrow, this often translates into annual percentage rate (APR) of 150% to over 600%. In extreme cases, it can top 900%. You can check your rate on Check City’s website.

Is Check City legit?

Yes, Check City is a legitimate licensed payday lender in 15 states. In most states, it offers payday loans, though you can also find personal loans, installment loans and title loans in some states — in addition to other financial services.

It’s a member of the Utah Consumers Lending Association, a trade organization that sets standards for payday lenders. And it’s upfront about consumer protections that your state offers. To protection your information online, Check City uses McAfee and DigiCert to make sure its site is safe.

Pros and Cons

  • Displays state licenses on website
  • Same-day financing if you apply in a store
  • Upfront about state consumer protections
  • APRs top 900% in some cases
  • Only offers in-store financing in four states
  • No online loans in Virginia or Colorado

Compare more payday loans

Here’s how Check City compares to other payday lenders.

Name Product Filter Values Loan amount Turnaround time Requirements
OppLoans Installment Loans
$500 to $5,000
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.
CashNetUSA Loan
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
Stilt
$1,000 to $25,000
2 to 3 business days
Be employed, have a US bank account, live in a state where Stilt operates, hold one of the following visas: F-1 and OPT, H-1B, H4, O-1, L-1, TN, J-1, DACA or be a US citizen.
No green card? You could still qualify for a personal loan.
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
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
$100 to $2,500
Same business day to 1 business day
$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.
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Compare up to 4 providers

Check City reviews and complaints

BBB accreditedYes
BBB ratingB+
BBB customer reviews4.5 out of 5 stars, based on 27 customer reviews
BBB customer complaints14
Trustpilot score4.5 out of 5, based on 1,451 customer reviews
Customer reviews verified as of25 February 2021

Check City receives mostly positive reviews from borrowers. Many are pleased with the speed of their loans and the understanding customer service. But some report 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

You also must live in a state where Check City operates.

Where are Check City payday loans available?

Check City operates in 15 states — though it only has locations in four.

Search for your state:
StateIn-store or onlineLoans available
AlabamaOnlinePayday loans
AlaskaOnlinePayday loans
CaliforniaOnlinePayday loans
ColoradoIn-storeIn-store cash advances, installment loans
HawaiiOnlinePayday loans
IdahoOnlineInstallment loans
KansasOnlinePayday loans
MissouriOnlineInstallment loans
NevadaBothPayday loans, in-store cash advances, title loans
TexasOnlineInstallment loans
UtahBothPayday loans, in-store cash advances, title loans
VirginiaIn-storeInstallment loans, title loans
WashingtonOnlinePayday loans
WisconsinOnlineInstallment loans
WyomingOnlinePayday loans

Check City only has in-store locations in Utah, Virginia, Colorado and Nevada. And it doesn’t offer online loans in Virginia or Colorado.

What information do I need to apply?

You need the following information to apply for a Check City payday loan at a minimum.

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

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 on this page or go to the Check City website 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 online — or the same day if you apply at a store.

Payment options

There are a number of ways to make payments on a Check City loan.

  • Funds can be drafted from your bank account
  • Check City can deposit the check you left as collateral
  • 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 in some states, 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, depending on your state. It may also impact your credit, so if you aren’t able to repay your loan, contact Check City as soon as possible to discuss your options.

Other services offered by Check City

In addition to payday 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

See how Check City compares to other payday lenders and low-cost alternatives. Or, read about lenders like Check City.

Frequently asked questions

Answers to common questions about Check City loans.

Is Check City a direct lender?

Yes, Check City provides your loan funds directly to you in every state where it is licensed to operate, with the exception of Texas where Check City services your loan through an affiliated short-term loan provider.

Can I apply over the phone?

You can apply over the phone. Keep in mind you may need to fax documents to Check City in order to apply by this method.

Can I pay the loan amount ahead of time?

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

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6 Comments

    Default Gravatar
    Briana
    January 1, 2019

    Is it possible to apply online or over the phone?

      Avatarfinder Customer Care
      Charisse
      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.

      Cheers,
      Charisse

    Default Gravatar
    Ty
    July 13, 2017

    Do y’all do installments loans

      Avatarfinder Customer Care
      Anndy
      July 13, 2017

      Hi Ty,

      Thanks for your question.

      You may compare your options if you are looking for an installment loan.

      Kindly review the eligibility criteria and the relevant terms and conditions of the loan before submitting your application.

      Cheers,
      Anndy

      Default Gravatar
      Crystal
      November 2, 2017

      Do you serve new jersey

      Avatarfinder Customer Care
      Anndy
      November 2, 2017

      Hi Crystal,

      Thanks for your question.

      Check City payday loan is not available in New Jersey.

      You can 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.

      Cheers,
      Anndy

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