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Loans like Check City

Compare more lenders that offer payday and installment loans – with potentially lower APRs or fees.

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. But these alternatives are sites like Check City, which may offer significantly lower rates or better features.

7 loans like Check City

Alternative for personal loans: Avant

Avant personal loans

3.45 / 5 ★★★★★

Avant is an online lender that offers personal loans from $2,000 to $35,000. There's no minimum credit score to apply with Avant and it looks at a range of factors when making a decision, such as your income and credit repayment history – not just your credit score.

Avant's APRs start at 9.95% and top out at 35.95% – much lower than Check City's rates. Avant charges an administrative fee of up to 4.75% on its loans, which gets deducted from your loan amount. But if you qualify, a personal loan from Avant can be a much cheaper option than a payday loan.

  • Not available in: Colorado, Hawaii, Iowa, Nevada, New York, Vermont, West Virginia
  • Open to borrowers of all credit types
  • Self-employed income accepted
  • Preapproval won't impact your credit
  • Limited number of states
  • Administrative fee of 4.75%
  • Recently settled lawsuit with the FTC
Loan amount$2,000 to $35,000
APR9.95% to 35.95%
Interest Rate TypeFixed
Minimum credit score580
Turnaround TimeAs soon as the next business day
Maximum Loan Term5 years
Minimum Loan Term1 year

Alternative for building credit: OppLoans

OppLoans Installment Loans

4.4 / 5 ★★★★★

Like Check City, OppLoans is a direct lender that offers loans of $500 to $4,000. OppLoans reports your payments to all three major credit bureaus to help improve your credit score and has online resources and classes to help you improve your financial situation.

OppLoans has a maximum APR of 160% in most states. While still high, this is lower than Check City's APRs, which can run up to 600% or more. And if your loan is approved by OppLoans, you could receive your funds as soon as the next business day.

  • Not available in: Colorado, Connecticut, Hawaii, Illinois, Iowa, Maine, Maryland, Massachusetts, Nevada, New Hampshire, New Jersey, New Mexico, New York, Pennsylvania, South Dakota, Vermont, West Virginia
  • No prepayment penalty
  • Reports to Equifax, Experian and TransUnion
  • May be able to change payment due date
  • Bank account must be at least 90 days old
  • Minimum monthly income varies by state
  • Must receive income through direct deposit
Loan amount$500 - $4,000
Interest rate typeFixed
Loan Term9 to 18 months
Turnaround time1 business day

Alternative for multiple loan types: ACE Cash Express

ACE Cash Express Short-term Loans

3.6 / 5 ★★★★★

ACE Cash Express offers payday, installment and title loans under one roof. You also have two ways to get your cash: pick it up same-day at the store, or apply online and have the funds instantly sent to a debit card. But like Check City, its APRs can reach over 600%.

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.

  • Only available in: California, Delaware, Florida, Idaho, Kansas, Louisiana, Minnesota, Missouri, New Mexico, Ohio, Texas
  • 72-hour return period
  • Online and in-store options
  • Same-day funding available
  • Loan options vary by state
  • Interest rates not available online
  • Mixed customer reviews
Loan amount$100 - $5,000
Interest rate typeFixed
Loan TermVaries by state
Turnaround timeAs fast as same business day

Alternative for low rates: Oportun

Oportun Installment Loans

Oportun is a mission-driven company that offers installment loans to people with thin credit files or less than perfect credit. Its loans start at $300 and top out at $12,000 and it never charges more than 35.99% APR – much lower than Check City's APRs of 150% to 600%.

You can apply without a bank account or a credit history, and if you're approved, get your funds within a few days. Oportun reports your loan repayments to two of the three major credit bureaus, which can help build your credit. To apply for a loan, visit a local branch or apply online.

  • Only available in: Arizona, California, Florida, New Jersey, Texas
  • Bilingual support
  • No bank account required
  • All credit scores welcome
  • Limited number of states
  • Repeat borrowing encouraged
  • Frequent repayments required
Loan amount$300 - $12,000
Interest rate typeFixed
Loan Term7 to 42 months

Alternative for 0% interest payday advances: Dave cash app

Dave ExtraCash

If you need small amounts up to $500 advanced before payday, the Dave app could be an ideal alternative to a payday loan. There's no credit check required and unlike Check City, Dave never charges interest on the amount you borrow.

Instead, you pay a low monthly fee of $1 and you can get funds transferred to your bank account in one to three business days. Same-day express transfers cost $2.49. By borrowing against your paycheck instead of using a payday loan, you can save money and avoid going further into debt.

  • Available in all states
  • Two delivery speeds
  • No fees or interest charges
  • Credit builder program is free for one year
  • Limited advance amount
  • Repayment due quickly
  • Express transfers cost money
Loan amountUp to $500
Interest rate typeFixed
Loan TermVaries
Turnaround timeSame business day to 3 business days

Alternative for in-store pickup: Check Into Cash

Check Into Cash Payday Loan

4.5 / 5 ★★★★★

Check Into Cash is a licensed payday lender that offers emergency financing for bad credit borrowers. It offers in-store loans as low as $50 and in some states, as much as $1,000. Its fees run from $15 to $30 per $100 borrowed – which means its APRs are between 400% and 1,000%

While not cheap, it's convenient. It's available in over 25 states, with over 650-plus store locations. It also offers a range of services, including: cash advances, title loans, check cashing, Western Union and bill pay services.

  • Available in: Alabama, Alaska, Arkansas, California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nevada, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming
  • Same-day funding available
  • Borrow as little as $50
  • Positive Trustpilot ratings
  • Must be at least 21
  • APRs can exceed 400%
  • Mixed customer reviews
Loan amount$50 - $1,000
Interest rate typeFixed
Loan TermVaries by state
Turnaround time1 to 2 business days

Alternative for title loans: Tower Loans

Tower loan installment loans

Tower Loan is a relatively highly rated title loan lender offering loans between $1,000 and $20,000. It's one of the few short-term lenders to accept coborrowers and it reports your payments to credit bureaus, which can help improve your credit score.

But it doesn't state its rates online, only has a handful of branches and there's no phone number to call. It could be an option if you need to bolster your application with collateral or a coborrower – although you can often find these same options with a bad credit personal loan lender.

  • Only available in: Alabama, Illinois, Louisiana, Mississippi, Missouri
  • Coborrowers accepted
  • Reports payments to TransUnion and Equifax
  • Loans up to $20,000
  • No loan rates or fees listed online
  • Loans must be secured with collateral
  • Only available in select states
Loan amount$1,000 - $20,000
Interest rate typeFixed
Loan TermUp to 36 months or more
Turnaround timeVaries

How does Check City compare?

Check City charges high interest rates and may be more expensive than other options like personal loans and cash apps. Here are the main pros and cons of this lender.


  • Offers multiple types of loans
  • Upfront about licensing and costs
  • Same-day funding available


  • More expensive than a personal loan or cash app advance
  • Only has branches in three states
  • APR can reach 600% and up

Alternatives to payday and installment loans

Payday and installment loans, while convenient, may not be the best option if you’re looking to save money on interest and get out of debt.

Be aware:

  • A typical $375 payday loan attracts $520 in fees due to repeat borrowing.
  • The APR on a payday loan can hit over 1,000% in states with no protections against predatory short-term lenders.
  • While payday loans are designed for emergency expenses, about 70% of borrowers use them to pay for everyday expenses.
  • Most payday loan borrowers stay in debt for at least 11 months.

Cash advance apps don’t charge interest and personal loans may be a more affordable option to high interest payday loans. Compare the top cash advance apps and personal loan providers for bad credit to see if these alternatives can save you money.

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