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Check City

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$100 Guarantee
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Check City

verified
$100 Guarantee
Available in 16 States

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.

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 companies, 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 applying online or 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 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, funds 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 amount of the loan, 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 their loan, which can save you some time and hassle. Online applicants 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 pay on time are eligible for an Extended Payment Plan. Check City will split up payments into four equal payments with no added interest. They are one of the only payday loan companies who offer extended payment plans without adding interest or fees. Customers are only eligible for the Extended Payment Plan once a 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 fees, terms and APR for your state and loan amount. Check City's website is intuitive and straightforward. They have a map similar to on the front page 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 site.

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 borrowed, 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 payments. 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. Want to know which payday loan company is top rated? Click Here

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 with Check City. Along with that, you can expect to be approved within minutes and have your funding in as little as 1 business day.

Unfortunately, Check City 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 who are more widely available and offer lower APR's. Be sure to research all of your options before going with Check City.

View Top Rated Companies

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User Reviews

4.6

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51 Reviews

Your trust is our top priority, so we check all reviews for accuracy and relevance. Additionally, we do not allow companies to alter or remove reviews. Learn more

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Grant
December 10th, 2018 American Fork, UT DETAILS
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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.

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David Mallory Hays
October 29th, 2018 Provo, UT DETAILS
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I hate pay day loans, I did this once and suffered no ill consequences, but I would never recommend this

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Jason Anderson
October 19th, 2018 Lindon, UT DETAILS
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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.

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Thomas Hullinger
August 29th, 2018 Pleasant Grove, UT DETAILS
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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

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Alexis
August 6th, 2018 Salt Lake City, UT

Always makes my visit as painless as possible.

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Cathy J Hearen
May 10th, 2018 Victorville, CA DETAILS
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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!

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Daniel Meeks
May 7th, 2018 Reno, NV DETAILS
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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

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Grant Ure
May 7th, 2018 St Louis, MO DETAILS
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Check City was very upfront with their fees. It can be expensive but at least they tell you ahead of time.

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Sue
May 4th, 2018 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!!!!

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Lisa Johnson
May 3rd, 2018 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.

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Tera
May 3rd, 2018 Ogden, UT DETAILS
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Check City has always been really easy to work with and VERY convenient!!

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Steve Sadler
May 7th, 2018 Las Vegas, NV DETAILS
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Great people easy transaction every time I go in.

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Augustus N Carter
May 2nd, 2018 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.

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Paula Toston
May 18th, 2018 North Las Vegas, NV DETAILS
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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.

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Cindy Romo
May 2nd, 2018 Salt Lake City, UT DETAILS
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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.

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Pauline
May 1st, 2018 Albuquerque, NM DETAILS
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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.

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marcia
May 1st, 2018 Las Vegas, NV DETAILS
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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.

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Paul K
May 1st, 2018 Honolulu, HI DETAILS
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Fast reliable service. I depend on Check City for emergency cash.

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Candace Searles
May 1st, 2018 Lynnwood, WA DETAILS
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They have always been so extremely helpful with my loans and making payment arrangements when necessary. Customer service is beyond excellent.

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Timothy R Sylvia
May 16th, 2018 Las Vegas, NV DETAILS
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Been doing business with them for four years .. always friendly and always helpful

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Clara Lira
May 1st, 2018 Los Molinos, CA DETAILS
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I got approved when needed a loan and my available credit increased every month

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HECTOR VASQUEZ
May 1st, 2018 Los Angeles, CA DETAILS
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GREAT CUSTOMER SERVICE. EVERY TIME I CALL THE CENTER THEY ARE POLITE AND PROFESSIONAL. THANK YOU FOR ALL YOUR GREAT CUSTOMER SERVICE.

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Kisha
May 16th, 2018 Reno, NV DETAILS
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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.

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Tina Hastings
May 1st, 2018 Jean, NV DETAILS
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Check City is not only responds quickly. They have Great Customer Service.

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Melissa Olsen
May 16th, 2018 North Las Vegas, NV DETAILS
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Always helpful when I need a loan. Always there for me when I need

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Chad Leany
May 1st, 2018 Las Vegas, NV DETAILS
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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.

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Viola Mireles
May 1st, 2018 San Antonio, TX DETAILS
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I am very satisfied with checkcity. They were there in my time of need. And i thank you for everthing.

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Priscilla Duran
May 1st, 2018 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.

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Michelle Hineman
May 1st, 2018 Las Vegas, NV DETAILS
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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]@

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Richard Boatright
May 18th, 2018 Las Vegas, NV DETAILS
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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

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Paul Abraham Vea
May 1st, 2018 Orem, UT DETAILS
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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!

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Brandi
May 21st, 2018 Taft, CA DETAILS
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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.

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David
May 18th, 2018 Reno, NV DETAILS
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Honest, Helpful, quick and polite. What more can one say about someone or something good.

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Steve
May 1st, 2018 Atlanta, GA DETAILS
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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.

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Douglas Curcuro
May 1st, 2018 Vacaville, CA DETAILS
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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.

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Kathleen Velasquez
May 1st, 2018 Ogden, UT DETAILS
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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!

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Cynthia Canty
May 1st, 2018 Las Vegas, NV DETAILS
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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.

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Darren
May 1st, 2018 Houston, TX DETAILS
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They where good but I couldn't reapply after I've been funded with them b4

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Diana Carrington
May 1st, 2018 Elk Grove, CA DETAILS
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Check City offers fast service in providing funds when you need it. The process is user friendly and the application easy to follow.

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loy habluetzel
May 1st, 2018 Fallbrook, CA DETAILS
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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.

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