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5.3

Overall Score

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LAST UPDATED: January 5th, 2024

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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Star Rating

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4.4

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61 Reviews

Review Breakdown

5 grade

75%

4 grade

10%

3 grade

3%

2 grade

0%

1 grade

11%

Sentiment Criteria

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Service

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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.

5 years 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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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

5 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!!!!

5 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.

5 years ago

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Review Source

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Madison Orem, UT

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.

5 years ago