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Compare sites like Check City

6 direct lenders that offer payday loans, installment loans and other in-store services.

Editor's choice: Fast5kLoans Short-term Loans Connection Service

Fast5kLoans Short-term Loans Connection Service logo
  • Wide range of loan amounts
  • Variety of loan terms
  • Quick process
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Check City is one of the few lenders that offers in-store and online loans. But because it’s only available in 15 states, you may not be able to get the money you need. These lenders are legitimate alternatives, offer similar loan options and same-day funding when you visit a store.

  • Offers multiple types of loans
  • Upfront about licensing and costs
  • Same-day funding available
  • Only has locations in four states
  • APR can be 900%

6 lenders like Check City

OppLoans Installment Loans

4.4 / 5 ★★★★★

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on OppLoans's secure site
Like Check City, OppLoans is a direct lender that offers loans of $500 to $5,000. But unlike many of its competitors, OppLoans has a maximum APR of 160%. While still high, this greatly reduces the cost of borrowing, making OppLoans a good choice when you need quick funding. It also reports to all three major credit bureaus to help improve your credit score — but it could also damage it if you don't keep up with payments.
Pros
  • Interest rates capped at 160%
  • Reports to Equifax, Experian and TransUnion
  • Available in most states
Cons
  • Some states require you to borrow $1,000+
  • Only two states have 24-month terms
Loan amount$500 - $5,000
Interest rate typeFixed
Loan Term9 to 24 months
Turnaround time1 business day

LendUp Payday Loans

LendUp offers a unique ladder system that allows borrowers to improve their credit history by taking out small short-term loans and paying them back on time. Making timely payments, referring friends and taking free online financial education courses let you earn points. The more points you earn, the further up you move on the LendUp Ladder, which qualifies you to take out larger loan amounts with lower interest rates. But this system — and its credit benefits — are only available in a few states.
Pros
  • Payday loans and installment loans available
  • Free credit education resources
Cons
  • Interest rates can be 1,000+
  • Credit reporting not available in all states
  • Recently faced lawsuits
Loan amount$100 - $250
Interest rate typeVariable
Loan Term7-30 days
Turnaround timeAs soon as the next business day

Check Into Cash Payday Loan

4.5 / 5 ★★★★★

Check Into Cash features a low minimum loan amount and fast turnaround so you can take out only the amount you need — and avoid excessive costs. You'll still face a high APR when you borrow, but not as high as some lenders, including Check City. However, Check Into Cash requires you to be at least 21 years old to qualify.
Pros
  • Loans as small as $50
  • Same-day funding available
Cons
  • Must be 21+ to apply
  • Online and in-store loan availability varies by state
Loan amountVaries by state
Interest rate typeFixed
Loan TermVaries by state
Turnaround time1 to 2 business days

ACE Cash Express Short-term Loans

3.6 / 5 ★★★★★

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on ACE Cash Express's secure site
ACE Cash Express is one of the few lenders that offers payday loans, title loans and installment loans. And in some states, you may be eligible for a complete or partial refund of applicable loan fees when you pay your loan back before the due date. However, it isn't upfront about the fees you'll pay — and customers give it mixed reviews.
Pros
  • 72-hour return period
  • Variety of in-store services
  • Same-day funding available
Cons
  • Mixed customer reviews
  • Not upfront about costs
  • Loan options vary by state
Loan amount$100 - $5,000
Interest rate typeFixed
Loan TermVaries by state
Turnaround timeAs fast as same business day

CashNetUSA Loan

3.6 / 5 ★★★★★

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on CashNetUSA's secure site
Like Check City, CashNetUSA is a direct lender that offers payday loans, installment loans and even lines of credit for when you need money quickly. With a turnaround time of as little as one business day, it offers loans to individuals with bad credit in many states around the US. Unfortunately, it isn't upfront about costs and has mixed customer reviews.
Pros
  • 72-hour return period
  • Same-day funding available
  • Offers prepaid debit cards
Cons
  • Not upfront about costs
  • Low BBB ratings
  • Online loan options limited
Loan amount$100 - $1,800
Interest rate typeFixed
Loan TermVaries by state
Turnaround timeAs fast as same business day

Check 'n Go Payday Loans

Check 'n Go offers payday loans and installment loans — with similar terms as Check City. However, it charges a service fee in addition to normal financing fees. And while it is upfront about potential costs, there are quite a few customer complaints about its services.
Pros
  • Same-day funding available
  • Upfront about potential costs
  • Payday loans and installment loans available
Cons
  • High volume of customer complaints
  • Charges a service fee
Loan amount$100 - $1,500
Interest rate typeVariable
Loan TermVaries upon state
Turnaround timeAs soon as the same day

Compare more 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.
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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