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 client. 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
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.
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.
Compare more payday loans
Here’s how Check City compares to other payday lenders.
Check City reviews and complaints
|BBB customer reviews||4.5 out of 5 stars, based on 27 customer reviews|
|BBB customer complaints||14|
|Trustpilot score||4.5 out of 5, based on 1,451 customer reviews|
|Customer reviews verified as of||25 February 2021|
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
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.
|State||In-store or online||Loans available|
|Colorado||In-store||In-store cash advances, installment loans|
|Nevada||Both||Payday loans, in-store cash advances, title loans|
|Utah||Both||Payday loans, in-store cash advances, title loans|
|Virginia||In-store||Installment loans, title 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:
- 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.
- Enter your full name, email address, date of birth and zip code. Click Continue.
- Enter information about your income, employment, bank account and identity.
- 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.
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
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.