Check City
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.
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.
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
58 Reviews
Review Breakdown
Sentiment Criteria
Henry Garcia
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
Barbara Bagalayos
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.
Eddie Rios
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.
Marion Waddy
They have rude managers that threat people over the phone before they could explain
Toni
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...
Madison
I went in here to cash a check and there was a line and only 2 workers but they did work fast to get through the line.
Hailey Nilson
Check City customer service were great. They were clear and informative in getting me all that I needed.
Grant
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.
David Mallory Hays
I hate pay day loans, I did this once and suffered no ill consequences, but I would never recommend this
Jason Anderson
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.
Thomas Hullinger
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
Alexis
Always makes my visit as painless as possible.
Brandi
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.
David
Honest, Helpful, quick and polite. What more can one say about someone or something good.
Richard Boatright
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
Paula Toston
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.
Melissa Olsen
Always helpful when I need a loan. Always there for me when I need
Kisha
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.
Timothy R Sylvia
Been doing business with them for four years .. always friendly and always helpful
Cathy J Hearen
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!
Daniel Meeks
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
Grant Ure
Check City was very upfront with their fees. It can be expensive but at least they tell you ahead of time.
Steve Sadler
Great people easy transaction every time I go in.
Sue
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!!!!
Lisa Johnson
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.
Tera
Check City has always been really easy to work with and VERY convenient!!
Cindy Romo
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.
Augustus N Carter
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.
Cynthia Canty
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.
Steve
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.
Douglas Curcuro
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.
Kathleen Velasquez
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!
Darren
They where good but I couldn't reapply after I've been funded with them b4
Diana Carrington
Check City offers fast service in providing funds when you need it. The process is user friendly and the application easy to follow.
loy habluetzel
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.
Sabrina L Custer
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
Michael Beck
The website is easy to use, fast approval and next day deposit, Check City is awesome!
Pauline
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.
marcia
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.
Paul K
Fast reliable service. I depend on Check City for emergency cash.
Candace Searles
They have always been so extremely helpful with my loans and making payment arrangements when necessary. Customer service is beyond excellent.
Clara Lira
I got approved when needed a loan and my available credit increased every month
HECTOR VASQUEZ
GREAT CUSTOMER SERVICE. EVERY TIME I CALL THE CENTER THEY ARE POLITE AND PROFESSIONAL. THANK YOU FOR ALL YOUR GREAT CUSTOMER SERVICE.
Tina Hastings
Check City is not only responds quickly. They have Great Customer Service.
Chad Leany
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.
Viola Mireles
I am very satisfied with checkcity. They were there in my time of need. And i thank you for everthing.
Priscilla Duran
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.
Michelle Hineman
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 [email protected]@
Paul Abraham Vea
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!
Mia
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.