Check City is an online payday loan company that also has several storefront locations in four states. They were founded in 1986 and have expanded their services to include gold buying, prepaid debit cards, money orders, check cashing, and more.

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The Good

One-Step Application Process
Fast Approval
Extended Payment Plan

One-Step Application Process

Check City has a one-step application process, unlike other online payday loan lenders, such as Cash Central or Check Into Cash, which have several steps and pages the user must go through.

All the information for applying with Check City is located on one page. Whether you are doing an online application or applying in-store, you will need: your personal information, employment, and income information, your bank account number, a form of identification, and a reference.

If you are applying online, you can fill out the loan application and submit it for review.

Fast Approval

It only takes a few minutes to receive a decision back. Upon approval and signing the loan agreement, the money will automatically be deposited into your account on the next business day as long as the process is completed by 8:00pm CT Monday-Thursday.

Loans completed over the weekend will be funded on the following Monday. If you are applying in-store, you will need to bring a personal check with you. Upon approval and signing the loan agreement, you will make out a check to Check City for the loan amount, fee, and interest rate.

Check City cashes the check on the agreed-upon repayment date and the loan is paid in full. Check City's in-store customers do not have to return to the store to repay the loan, which can save you some time and hassle.

Those who fill out an online application are enrolled in automatic payment and the funds are debited out of the account on the agreed-upon date.

Extended Payment Plan

In-store customers who are unable to repay the loan on time are eligible for an Extended Payment Plan. Check City will split up the payments into four equal payments with no added interest.

Check City is one of the only payday loan lenders that offer extended payment plans without adding interest or fees. Customers are only eligible for the Extended Payment Plan once per year, though.

The term of a Check City payday loan varies from state to state, but in most cases, they are a 7-, 14-, or 30-day term. These terms are based off of individual state laws, so you'll need to use Check City's fee schedule feature to determine the rates and fees as well as terms for your state and loan amount.

Check City's website is intuitive and straightforward, and provides a map that shows which states they do and do not operate in - this saves the customer time if Check City isn't able to lend in their state.

The contact information, Apply Now button, login access and links to FAQs are prominently displayed on the home page and easily accessible throughout the company's website.

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The Bad

High APRs
Additional Fees
Late Payments

High APRs

Check City has high APR rates and fees in comparison to other loan industries. The APR rates range from 214.71% to 1173.21% depending on the amount borrowed, the term of the loan, and the state you reside in.

Additional Fees

Some states also charge a loan fee ranging from $15.00-30.00 per $100.00 that you borrow, as well as verification fees.

This means that your accrued debt could be much higher than the principal sum you want to borrow - be sure to clarify what APR rates and fees you're committing to before taking out a payday loan.

Late Payments

On top of the initial interest and fees added onto the borrowed amount, if you miss a payment or your payment is returned due to insufficient funds, you can incur even more fees.

Check City will attempt to call, email, or text you to make arrangements for payment. Delinquent accounts may be placed or sold to a third party collection agency, which means you may be getting phone calls, texts, or emails at your home and possibly your place of work if you fall seriously behind on your repayment.

Late payments and delinquent accounts are also reported to credit bureaus, which can have a negative impact on your credit score and your ability to finance any loans in the future.

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The Bottom Line

Check City excels in experience with over 29 years in business and exceptional customer service. This is refreshing to know that you will be taken care of if you take out a Check City loan.

Along with that, you can expect to be approved within minutes and have your money in as little as one business day.

Unfortunately, this lender is only available in four states and has extremely high interest rates (up to 1100%). This should be very concerning for potential customers, as they will be liable to pay those rates.

There are definitely other payday loan companies that are more widely available and offer lower rates and fees. Be sure to research all of your other loan options before going with a Check City loan.

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User Reviews

Star Rating

4.4

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61 Reviews

Review Breakdown

5 grade

75%

4 grade

10%

3 grade

2 grade

1 grade

11%

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George Los Angeles, CA

I do endorse CheckCity's name for CheckCity is indeed an exellent Payday loan company. CheckCity has proven to be an example for other Payday loan companies to follow for CheckCity is benelovent and rightful. But CheckCity is not just one simple PayDay loan advance company like many others out there- oh no- CheckCity is a very advanced company which offers a wide range of services such as credit cards, taxes services, pre-paid cards, personal installment loans as well as car tittle loans, insurance and gold buying among other services. I fall into the category of Payday loan customer which I am able to attest that I am satisfied. However, there is one thing that I want to emphazise and that is that because CheckCity adheres to strict guidelines; CheckCity uses a special formula to determine the amount that the customer is entittled to- So I hope that can be comprehended so that customers who do not qualify for specific amount; they do not come into conflict with CheckCity because of that. Those rules are just legitimate guidelines and there is nothing out of the ordinary with those rules. After all, Payday loans were never equal to free money or money given away. A payday loan does not have the significance of money that must never be paid back. No, Payday loans are services for which many people should be thankful for. However, the difference between CheckCity and the other payday loan companies is that CheckCity will work out with those individuals who cannot meet their pay back deadlines while the other payday loan companies will scrunatize the customer and even ruin the customer credit file at the very first mistake or oversight on the customer's part. Sometimes what it is hidden- it is what it actually holds the answer sought but most people have been conditioned to fear the unknown jhand I hope that customers do not become discouraged just because CheckCity has limited locations in a limited number of states- because CheckCity is sophisticated; it actually has the capabilities of serving all the states in modern times and I would rather seek the services of CheckCity than those from companies who are well-known since some of those well-known companies practices are actually questionable or unacceptable. If CheckCity was corrupted, questionable or faulty then I would not be able to uphold it but CheckCity is a very good company which is trustworthy. In addition, one of the many things that impressed me about CheckCity was the undivided and dilligent customer service level.

6 years ago

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Phil Pruit Las Vegas, NV

I have been a long time customer at check city location lake mead and Boulder hwy in Henderson. These people are amazing! The staff is awesome and extremely friendly. This is my favorite place to do all my check cashing. Mariel and Virginia are the Oricals of customer service!. I have used this location for 10 years and I will say these ladies know there jobs!!! Give these two a raise they definitely have earned them. Thank you check city!!!!

2 years ago

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Lisa Johnson Chicago, IL

I have been a loyal customer of Check City since 2013. What I love about using their service is that there are no hidden fees and what you will owe back is told to up front and that's that! There is no extravagant interest fee either. I have spoken to customer service s few times and the people are always nice and helpful. Out of all of the payday loan companies out here, I would say try Check City. It's straight forward, and fast.

6 years ago

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Douglas Curcuro Vacaville, CA

Been a check city customer for about 3 years now I am disabled and on SSDI after almost 30 years in public non profit industry and while I am grateful for all I get it is most of the time not enough. Check city has made it possible for me to get the extra money I need, and has worked very well with my disability I spite of a once a month salary that is very low.

6 years ago

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Cynthia Canty Las Vegas, NV

It was quick and easy to get an on-line loan with Check City and all of the associates are very helpful and friendly. They also offer payday and installment loans inside the store. I've had both and if something comes up and you miss a payment they are happy to help make a payment arrangement with you to keep you on time with your loan or pay it off.

6 years ago

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Augustus N Carter Salt Lake City, UT

I have been doing business with Check City for the past several years. They are very fast and very efficient and have always met my needs. I am quite satisfied with Check City. They also have a very good customer service department.

6 years ago

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Paula Toston North Las Vegas, NV

I have been taking out loans from Check City off and on for over 3 years. Their service is great, always professional and helpful. They are courteous even when I have been late on a payment, never harrassing always"how can we help". I would recommend Check City to anyone seeking a short term payday loan.

6 years ago

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Cindy Romo Salt Lake City, UT

Online, it’s a quick simple steps to get your money the next day fast. Since I’m in Utah, they have to do a follow up to confirm my request , they call me back quickly and I’m always talking to someone helpful. I only give if 4 and not 5 because I wish the interest rate was lowered. ( at least for those who use your services on a somewhat regular bases) kinda like the more we use you the small ther interest rate.

6 years ago

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Michelle Hineman Las Vegas, NV

I have done business with Check City for a long time. They are a great company to do business with!! And they have awesome interest rates. The customer service people are always knowledgeable and very helpful!! I will continue to do business withCheck City!!@@

6 years ago

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Steve Atlanta, GA

This is the #1 place to go to for a quick, emergency loan! I've been using them for several years. Their loyal, trustworthy, easy to get a hold of, & their website is very user friendly. I highly recommend them for any of your needs. I have not been compensated in any way, shape, or form for this excellent review.

6 years ago

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Judy Barney

I have been a customer of Check City for over 5 years now. Check City has always treated me fairly and the staff is friendly and very helpful with questions and concerns. I have needed money at the last minute, Check City is not only close to my home but the hours are convenient for before or after work.

6 years ago

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Teresa Kamekona Rancho Cordova, CA

DO NOT WASTE YOUR TIME! after collecting so much personal and financial information about me they denied a $255 loan to me. I let them into my bank account via online link so they could confirm over $8,000 in deposits for 3 consecutive months and I also supplied them with paystubs for my job that I receive a paycheck. My other income is from my cleaning business which is paid to me by cash or via zelle. Those deposits they were able to see. But because they did not see me deposit my checks on payday they claimed they could not verify my income. UH HELLO! MAYBE I HAD ENOUGH MONEY IN THAT ACCOUNT AT THE TIME (WHICH YOU COULD EASILY SEE) THAT I MAY HAVE CASHED MY CHECK AND DONE SOMETHING ELSE WITH IT! They just want to collect your information for what purpose I can not say! SCANDELOUS!

10 months ago

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Eddie Rios Ogden, UT

Check City helps in more than just one way. These loans can be a life saver bridging to a solution that can avoid greater fees elsewhere. They also help with flexible terms ensuring that both parties win. Check City can be regarded as a great back up as they offer loan solutions immediately and allow for careful loan repayments.

4 years ago

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Cathy J Hearen Victorville, CA

I love Check City they are the best! Their customer service is excellent, their online experience is excellent! I believe that there is no problems relating to Check City... There is nothing that they need to improve!

6 years ago

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Daniel Meeks Reno, NV

I have obtain two loans with Check City. I find that their online site is well thought and easy to use. I have them number one in my book. I gave them five stars and that is for real. Thank you for your time Daniel Meeks

6 years ago

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Kisha Reno, NV

Check city was very understanding when I couldn't pay the loan on time. They were willing to work with me. Also very prompt when receiving the funds in my acct. I have been with check city almost 2 yrs. Now.

6 years ago

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Paul Abraham Vea Orem, UT

Check City Online is LEGIT! So easy to access and I don’t have to wait in line or drive to a store! I am pleased to say that my experience has been great! I will continue to recommend all my family and friends!

6 years ago

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loy habluetzel Fallbrook, CA

Check City is a great company to work with. At various times I have needed their help, and they have always been there for me. They are fast and efficient. And friendly, too. I recommend them highly.

6 years ago

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Thomas Hullinger Pleasant Grove, UT

Easy and fast approval. They can give me the money I need for a short time, much easier than from a bank. Their title loans are also easy to do and they usually have a free 30 day interest trial period

6 years ago

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Sue Sandy, UT

My son was in trouble and was able to get a loan in a few minutes but my payment history with you was not good I apologize for this my family was to help me but I am doing my best to pay you off!!!!

6 years ago

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Pauline Albuquerque, NM

Check City is a great company. They really helped me out when I needed a loan. They have the best rates. They also have great customer service. I highly recommend Check City.

6 years ago

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marcia Las Vegas, NV

i have only dealt with online. customer service rep were professional and helpful. answer my question or change a date if i needed it. i have not had a problem yet.

6 years ago

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Chad Leany Las Vegas, NV

Website is great, except that it is not usefull...filled out application just to find out i would have to come in to a physical location in order to complete the loan application process.

6 years ago

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Richard Boatright Las Vegas, NV

They took good care of my needs. Got the info they needed for me. Because I had forgotten it. I paid it off early and was pleased at the interest being much less

6 years ago

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Kathleen Velasquez Ogden, UT

Check City worked with me online and by phone to make my experience with them as quick and easy as possible my first time. Each time after that was even faster and easier!

6 years ago

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Mia Las Vegas, NV

Very fast and friendly service if you’re ever in need of a loan. I’ve done business with them multiple times and have always been overly satisfied.

6 years ago

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Grant American Fork, UT

We have used Check City several times for emergencies in our family where we needed cash right away. The customer service was so kind and helpful and do not make you feel bad or judge you for needing quick help.

5 years ago

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Barbara Bagalayos Carson City, NV

When I need .oney you are quick to ok my request and depoisi to my account. Also you have the lowest interest rate out there . Thank you.

6 years ago

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Candace Searles Lynnwood, WA

They have always been so extremely helpful with my loans and making payment arrangements when necessary. Customer service is beyond excellent.

6 years ago

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HECTOR VASQUEZ Los Angeles, CA

GREAT CUSTOMER SERVICE. EVERY TIME I CALL THE CENTER THEY ARE POLITE AND PROFESSIONAL. THANK YOU FOR ALL YOUR GREAT CUSTOMER SERVICE.

6 years ago

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Priscilla Duran Las Vegas, NV

They have always been fantastic, no matter what. i never win anything anyway. i just really love checkcity. they always help me out of my dilemma.

6 years ago

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Brandi Taft, CA

Check City is a hassle free, simple way to quickly borrow money for a short term loan. The customer service at Check City is friendly and helpful.

6 years ago

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Diana Carrington Elk Grove, CA

Check City offers fast service in providing funds when you need it. The process is user friendly and the application easy to follow.

6 years ago

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Henry Garcia San Antonio, TX

All I was asking for is extension on my loan this money hungry company could not award me my extension not my fault company is closed do to Corvid 19 ran out of vacation and sick leave do to knee surgery I had in February I have been employed 37 years with company I go back on 10th of April Sad And Bad on this money hungry Company

4 years ago

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Toni Richmond, VA

Absolute worse experience...customer service?? Zero! Just a total waste of time. They actually run a credit check - what kind of credit do you think is walking through their doors - 700+ credit?? Never again....wish I could give less than one star...

5 years ago

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Grant Ure St Louis, MO

Check City was very upfront with their fees. It can be expensive but at least they tell you ahead of time.

6 years ago

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Viola Mireles San Antonio, TX

I am very satisfied with checkcity. They were there in my time of need. And i thank you for everthing.

6 years ago

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Sabrina L Custer Tooele, UT

I love check city. They make it easy to borrow and are a great company I don't need an incentive to borrow from them

6 years ago

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Paula Ashby Salt Lake City, UT

I have had to cash checks and the employees at this store has always been so helpful and friendly to me

6 years ago

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Jason Anderson Lindon, UT

Unfortunately I've had to use them a couple times but they helped me out of a jam. Their costumer service is great. They make sure I am satisfied with what I am getting. The process is quick and easy.

6 years ago

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Timothy R Sylvia Las Vegas, NV

Been doing business with them for four years .. always friendly and always helpful

6 years ago

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David Reno, NV

Honest, Helpful, quick and polite. What more can one say about someone or something good.

6 years ago

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Michael Beck Novato, CA

The website is easy to use, fast approval and next day deposit, Check City is awesome!

6 years ago

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Hailey Nilson Salt Lake City, UT

Check City customer service were great. They were clear and informative in getting me all that I needed.

5 years ago

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Tera Ogden, UT

Check City has always been really easy to work with and VERY convenient!!

6 years ago

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Paul K Honolulu, HI

Fast reliable service. I depend on Check City for emergency cash.

6 years ago

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Clara Lira Los Molinos, CA

I got approved when needed a loan and my available credit increased every month

6 years ago

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Tina Hastings Jean, NV

Check City is not only responds quickly. They have Great Customer Service.

6 years ago

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Melissa Olsen North Las Vegas, NV

Always helpful when I need a loan. Always there for me when I need

6 years ago

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William South Jordan, UT

It was easy to get the check loan but the fees and interest rates are ridiculous. Dealing with their customer service is also a nightmare. Don't use this company.

6 years ago