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.

View Best Payday Loans

Top Ranked Companies

company logo
#1 OppLoans chevron_right
9.9 Overall Score
4.5
starstarstarstarstar_half
(172)
company logo
#2 Fig Loans chevron_right
9.9 Overall Score
4.7
starstarstarstarstar_half
(137)
company logo
#3 LendUp chevron_right
6.9 Overall Score
3.8
starstarstarstar_halfstar_border
(16)

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. 

View Best Payday Loans

Why Can I Trust Bestcompany.com arrow_drop_down

User Reviews

Star Rating

4.4
starstarstarstarstar_half

58 Reviews

Review Breakdown

5 star
76%
4 star
10%
3 star
3%
2 star
0%
1 star
10%

Sentiment Criteria

Value for your money
starstarstarstarstar_half
Quality of product or service
starstarstarstarstar_half
Customer service
starstarstarstarstar_half
Company trustworthiness
starstarstarstarstar_half
search cancel
starstar_borderstar_borderstar_borderstar_border

Henry Garcia

April 2nd, 2020 San Antonio, TX DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

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

starstarstarstarstar

Barbara Bagalayos

March 12th, 2020 Carson City, NV DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar_border

Eddie Rios

February 10th, 2020 Ogden, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstar_borderstar_borderstar_borderstar_border

Marion Waddy

March 13th, 2019 Richmond, VA

They have rude managers that threat people over the phone before they could explain

starstar_borderstar_borderstar_borderstar_border

Toni

February 19th, 2019 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...

starstarstarstarstar_border

Madison

February 6th, 2019 Orem, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar

Hailey Nilson

January 7th, 2019 Salt Lake City, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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

starstarstarstarstar

Grant

December 10th, 2018 American Fork, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstar_borderstar_borderstar_borderstar_border

David Mallory Hays

October 29th, 2018 Provo, UT DETAILS arrow_drop_down
Value for your money
starstarstar_borderstar_borderstar_border
Quality of product or service
starstarstarstar_borderstar_border
Customer service
starstarstarstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

I hate pay day loans, I did this once and suffered no ill consequences, but I would never recommend this

starstarstarstar_borderstar_border

Jason Anderson

October 19th, 2018 Lindon, UT DETAILS arrow_drop_down
Value for your money
starstarstarstar_borderstar_border
Quality of product or service
starstarstarstar_borderstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar_border

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.

starstarstarstarstar_border

Thomas Hullinger

August 29th, 2018 Pleasant Grove, UT DETAILS arrow_drop_down
Value for your money
starstarstar_borderstar_borderstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstar_borderstar_border

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

starstarstarstarstar

Alexis

August 6th, 2018 Salt Lake City, UT

Always makes my visit as painless as possible.

starstarstarstarstar

Brandi

May 21st, 2018 Taft, CA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar

David

May 18th, 2018 Reno, NV DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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

starstarstarstarstar

Richard Boatright

May 18th, 2018 Las Vegas, NV DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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

starstarstarstarstar

Paula Toston

May 18th, 2018 North Las Vegas, NV DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar

Melissa Olsen

May 16th, 2018 North Las Vegas, NV DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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

starstarstarstarstar

Kisha

May 16th, 2018 Reno, NV DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar

Timothy R Sylvia

May 16th, 2018 Las Vegas, NV DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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

starstarstarstarstar

Cathy J Hearen

May 10th, 2018 Victorville, CA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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!

starstarstarstarstar

Daniel Meeks

May 7th, 2018 Reno, NV DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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

starstarstarstarstar

Grant Ure

May 7th, 2018 St Louis, MO DETAILS arrow_drop_down
Value for your money
starstarstarstar_borderstar_border
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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

starstarstarstarstar

Steve Sadler

May 7th, 2018 Las Vegas, NV DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Great people easy transaction every time I go in.

starstarstarstarstar_border

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!!!!

starstarstarstarstar

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.

starstarstarstarstar

Tera

May 3rd, 2018 Ogden, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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

starstarstarstarstar_border

Cindy Romo

May 2nd, 2018 Salt Lake City, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar

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.

starstarstarstarstar

Cynthia Canty

May 1st, 2018 Las Vegas, NV DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar

Steve

May 1st, 2018 Atlanta, GA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar

Douglas Curcuro

May 1st, 2018 Vacaville, CA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar

Kathleen Velasquez

May 1st, 2018 Ogden, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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!

starstarstarstar_borderstar_border

Darren

May 1st, 2018 Houston, TX DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstar_borderstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar_border

They where good but I couldn't reapply after I've been funded with them b4

starstarstarstarstar

Diana Carrington

May 1st, 2018 Elk Grove, CA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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

starstarstarstarstar

loy habluetzel

May 1st, 2018 Fallbrook, CA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar

Sabrina L Custer

May 1st, 2018 Tooele, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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

starstarstarstarstar

Michael Beck

May 1st, 2018 Novato, CA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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

starstarstarstarstar

Pauline

May 1st, 2018 Albuquerque, NM DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar

marcia

May 1st, 2018 Las Vegas, NV DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar

Paul K

May 1st, 2018 Honolulu, HI DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar

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

starstarstarstarstar

Candace Searles

May 1st, 2018 Lynnwood, WA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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

starstarstarstarstar

Clara Lira

May 1st, 2018 Los Molinos, CA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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

starstarstarstarstar

HECTOR VASQUEZ

May 1st, 2018 Los Angeles, CA DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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

starstarstarstarstar

Tina Hastings

May 1st, 2018 Jean, NV DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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

starstarstarstarstar_border

Chad Leany

May 1st, 2018 Las Vegas, NV DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstar_borderstar_border
Customer service
starstarstar_borderstar_borderstar_border
Company trustworthiness
starstarstarstar_borderstar_border

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.

starstarstarstarstar

Viola Mireles

May 1st, 2018 San Antonio, TX DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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

starstarstarstarstar

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.

starstarstarstarstar

Michelle Hineman

May 1st, 2018 Las Vegas, NV DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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]@

starstarstarstarstar

Paul Abraham Vea

May 1st, 2018 Orem, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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!

starstarstarstarstar

Mia

March 20th, 2018 Las Vegas, NV DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.