Check City Payday Loan isn't available on Finder right now.
Turnaround time
Same business day to 1 business days
Our verdict
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.
Pros
Online and in-store pickup
Quick processing
Multiple services
Bad credit is OK
Responsible lender
In this guide
Our verdict
Details
Product details
Your reviews
Ask a question
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.
Details
Product details
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
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.
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.
Pros and Cons
Displays state licenses on website
Same-day financing if you apply in a store
Upfront about state consumer protections
APRs top 1,042.86% in some cases
Only offers in-store financing in four states
No online loans in Virginia or Colorado
Compare alternatives to Check City
Here’s how Check City compares to other payday lenders and alternative short-term services.
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.
Search for your state:
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.
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.
Payment options
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:
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.
Check City Payday Loan is not currently available on Finder
Have you considered Cleo?
Automatically monitor your spending plus access cash advances up to $100 at a time.
Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
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.
Anna Serio was a lead editor at Finder, specializing in consumer and business financing. A trusted lending expert and former certified commercial loan officer, Anna's written and edited more than 1,000 articles on Finder to help Americans strengthen their financial literacy. Her expertise and analysis on personal, student, business and car loans has been featured in publications like Business Insider, CNBC and Nasdaq, and has appeared on NBC and KADN. Anna holds an MA in Middle Eastern studies from the American University of Beirut and a BA in Creative Writing from Macaulay Honors College at Hunter College, CUNY.
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Briana
January 01, 2019
Is it possible to apply online or over the phone?