Check City Payday Loan isn't available on Finder right now.
Online and in-store loans from a transparent payday lender. But watch out for high fees.
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.
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.
| Product Name | Check City Payday Loan |
| Loan Term | Varies by state |
| Loan Security | Unsecured |
| Turnaround Time | Same business day to 1 business days |
| Costs | Varies by state |
| Requirements | Active checking account, photo ID, steady income |
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 1,042.86%. You can check your rate on Check City’s website.
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.
Here’s how Check City compares to other payday lenders and alternative short-term services.
The Finder Score crunches 3+ types of short-term loans across 65+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best short-term loans for all credit types, you can see how each short-term loan stacks up against other short-term loans with the same borrower type, rate type and repayment type.
| BBB accredited | Yes |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 4.5 out of 5 stars, based on 27 customer reviews |
| BBB customer complaints | 14 |
| Trustpilot score | 4.6 out of 5, based on 1,451 customer reviews |
| Customer reviews verified as of | 25 February 2021 |
To qualify for a loan, you must meet these requirements:
You also must live in a state where Check City operates.
Check City operates in 15 states — though it only has locations in four.
| State | In-store or online | Loans available |
|---|---|---|
| Alabama | Online | Payday loans |
| Alaska | Online | Payday loans |
| California | Online | Payday loans |
| Colorado | In-store | In-store cash advances, installment loans |
| Hawaii | Online | Payday loans |
| Idaho | Online | Installment loans |
| Kansas | Online | Payday loans |
| Missouri | Online | Installment loans |
| Nevada | Both | Payday loans, in-store cash advances, title loans |
| Texas | Online | Installment loans |
| Utah | Both | Payday loans, in-store cash advances, title loans |
| Virginia | In-store | Installment loans, title loans |
| Washington | Online | Payday loans |
| Wisconsin | Online | Installment loans |
| Wyoming | Online | Payday 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.
You need the following information to apply for a Check City payday loan at a minimum.
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:
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.
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.
In addition to payday loans, Check City also provides access to these services at its branch locations:
See how Check City compares to other payday lenders and low-cost alternatives. Or, read about lenders like Check City.
Answers to common questions about Check City loans.
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.
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.
Yes, you can pay the loan off completely before the end of the term without incurring any penalties.
Check City Payday Loan is not currently available on Finder
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Anna Finder
Editor
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Charisse Finder
January 01, 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
Ty
July 13, 2017
Do y’all do installments loans
Anndy Finder
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
Briana
January 01, 2019
Is it possible to apply online or over the phone?