Responsible lender. Accredited by the Better Business Bureau with an A+ rating, and member of the Community Financial Services Association of America and the Utah Consumer Lending Association, which guarantees you’ll be treated fairly when you apply for a loan.
APR varies starting from 141.44%.
Only available in 17 states: Alabama, Alaska, California, Hawaii, Idaho, Illinois, Kansas, Missouri, Nevada, New Mexico, North Dakota, Texas, Utah, Virginia, Washington, Wisconsin and Wyoming.
Searching for a similar payday loan provider in your state?
Like Check City, OppLoans is a direct lender that offers loans of $500 to $5,000 to qualifying borrowers. With a wide range of payback terms, no prepayment penalties and a one-day turnaround on funding, this is a good contender when looking to take out an installment loan, title loan or personal loan.
Options include installment loans, title loans and personal loans.
Wide range of payback terms — from 9 months to 24 months, with no prepayment penalties.
Get funds in as little as one business day.
High interest rates starting from 59% to 199%.
Limited availability by state. Only offered in:Alabama, California, Delaware, Georgia, Idaho, Illinois, Kansas, Mississippi, Missouri, Nevada, New Mexico, Ohio, South Carolina, Tennessee, Texas, Utah, Virginia and Wisconsin.
Like Check City, LendUp is a direct lender that allows people with poor or no credit to get short-term loans when money is tight. They offer 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 repayments, as well as referring friends to the lender and taking free online financial education courses, lets 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.
Fast application and quick response.
You can get funding in as little as one business day.
Low minimum loan amount of $100.
Depending on your state of residency, you may be able to participate in the LendUp Ladder program which allows eligible borrowers to apply for larger loans at lower rates.
Bad credit is OK.
Free online education courses.
Low maximum loan amount of $250.
Not licensed in every state. Only available in:California, Louisiana, Mississippi, Missouri, South Carolina, Tennessee, Texas and Wisconsin.
Like Check City, Check Into Cash is a direct lender that features a low minimum loan and fast turnaround so you can take out only the amount you need. These loans are available in more states than not, and cater to individuals with bad credit who are looking to take out a short-term loan.
Low minimum loan amount of $50.
Quick turnaround, money deposited next business day.
Bad credit is OK.
It’s available in more states than not. Check Into Cash is not available in: Arizona, Arkansas, Connecticut, DC, Georgia, Maine, Maryland, Massachusetts, Minnesota, Montana, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Pennsylvania, Rhode Island, South Dakota, Vermont or West Virginia.
APR can be more than 153.73% depending on your state.
Unlike Check City, SWIFT Money Loans is a loan-connection service that connects you with a suitable lender based on your credit and gets you cash in one business day. While terms and APR will vary by lender, this service does offer bigger advances for returning borrowers through an easy application that takes less than five minutes.
Easy application, completed in less than five minutes.
No fees for lender-connection service.
Access to multiple lenders so you get connected with the best one for your finances.
Like Check city, ACE Cash Express is a direct lender that offers payday loans, title loans and installment loans when you need cash fast. It doesn’t have any prepayment fees, which means you can pay back your loan ahead of schedule without being penalized. Even more, in some states, you may be eligible for a complete or partial refund of applicable loan fees.
Over 40 years of experience.
Instant decision on loan status.
72-hour guarantee allows you to pay back loan in 72 hours for no extra money.
You can pay your loan off ahead of time without any prepayment fees, and in some states, you may be eligible for a complete or partial refund of applicable loan fees.
Only available in California, Idaho, Florida, Kansas, Louisiana, Minnesota, Texas and Ohio.
Like Check City, Cash Central is a licensed provider that boasts more than 1 million satisfied clients and quick processing of payday loans. It is available in most states, and you can expect to get funding within one to two business days after filling out the easy online application.
Quick online application process.
Easy for repeat borrowing.
Loans available in most states, including: Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Kansas, Louisiana, Minnesota, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington, Wisconsin and Wyoming
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.
Offers payday loans, installment loans and lines of credit.
Maximum loan of Varies by state .
Turnaround time of one business day.
Offers loans in more states than not. Unavailable in:Arizona, Arkansas, Colorado, Connecticut, District of Columbia, Georgia, Indiana, Iowa, Kentucky, Maryland, Massachusetts, Montana, Nebraska, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, South Dakota, Vermont and West Virginia.
Unlike Check City, CashAdvance.com is a loan-connection service that provides you with a suitable lender for your financial needs and credit score. With a turnaround time of one to two business days, this service finds loans in most states and offers an expedited application process for repeat borrowers.
Offers cash loans.
Loan term of up to 1 month.
Turnaround time of one to two business days.
Offers loans in most states, except: Maine, Vermont, Massachusetts, Connecticut, New York, Pennsylvania, New Jersey, Delaware, Maryland, West Virginia, North Carolina, Georgia, Arkansas and Arizona.
Expedited application process for repeat customers.
Like Check City, Spotloan is a direct lender that offers installment loans of $300 to $800 to qualified applicants. With its easy online application, you can get your loan disbursed as soon as the next business day as long as you apply before 8 p.m. Eastern time.
Variable repayment plans. You can make repayments via direct debit from your bank, a check or a money order.
Easy online application.
Money available the next day if you apply by 8 p.m. Eastern time.
Available in most states, except: Arkansas, DC, Minnesota, New York, North Dakota, Pennsylvania and West Virginia.
Like Check City, Check ‘n’ Go is a direct lender that provides short-term loans of $100 to $1,500 for qualified applicants who need money quickly. When taking out a loan with this provider, bad credit is OK — and you could even qualify for same-day funding.
Offers payday loans, installment loans and prepaid deb cards.
Same-day funding for those who qualify.
Bad credit is OK.
Available in more states than not. Unavailable in: Alaska, Arizona, Arkansas, Colorado, Connecticut, Georgia, Louisiana, Maryland, Massachusetts, Minnesota, Montana, New Hampshire, New Jersey, New York, North Carolina, Oregon, Pennsylvania, South Carolina, South Dakota, Vermont, Virginia, Washington and West Virginia.
Unlike Check City, Triangle Cash is a loan-connection service that connects you with a suitable lender to get approval quickly for loans of up to $1,000. Available in all but five states, this service is known for its high approval rates and fast funding in as little as one business day.
High approval rates.
Funding in less than one day in most cases.
Available in most states, except: Arkansas, Connecticut, New York, Vermont and West Virginia.
Aliyyah Camp is a writer and personal finance blogger who helps readers compare personal, student, car and business loans. Aliyyah earned a BA in communication from the University of Pennsylvania and is based in New York, where she enjoys movies and running outdoors.
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