Check City Loans Review

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review-contactContact information:
  • Website:
  • Phone number:
    (800) 404-0254
  • Email:
  • Monday through Friday from 8 am to 8 pm, On Saturday from 9 am to 5 pm
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Check City is a reliable loan company that’s been operating since 1986. It started in Provo, UT, but has expanded to be in 19 states across America. For a loan company, they have so many positive reviews. Borrowers are impressed by their loan process. They provide payday loans and allow you up to 62 days to make full payment of your loan. So, technically they are a “payday” loan company. However, they shine by having a quick application process.

They can get you fast approval, and you can see same-day funding. Their extended payment plan also allows for some flexibility. With these many positives, we’d like to say that they are one of the best lenders. But, we want to be sure that they live up to the hype. That’s why we’ve given you all the potential information you’d need before applying.

Payday Loans

All payday loans from Check City have same-day processing. If you’re looking for a fast method of getting the funds, you require then look no further. The Check City loans are hassle-free and provide you with enough funds for emergencies.

Installment Loans

Installment loans allow you to create a payment plan that works for you easily. Each month, you can pay off a minimum amount, and the total balance will lower.

These are good if you don’t have enough money to pay off the loan on your next payday. However, you will be paying more in the long run due to interest building up.

Title Loans

If you don’t have verifiable income or excellent credit, you can opt for a title loan. A title loan is where you provide the deed to your motor vehicle as collateral for your loan. This only works if you 1) own the vehicle 2) have it paid off 3) are willing to lose your car if you don’t make a payment.

Personal Loans

Personal loans, on the other hand, provide varying rates and payment schedules. These are useful if you need a large sum of money quickly. They are very flexible but require you to have a decent income. The interest rates are also much higher than other loan types. But, you can usually get a personal loan same-day.

How Does Borrowing From Check City Work?

There are three methods to getting a loan from Check City; call, walk-in, or apply online. It’s a one-step application process. This makes it quick, hassle-free, and efficient. Once you create an account, you can easily apply again for a loan as a returning customer.

Borrowing from Check City is pretty straightforward. Applying online is the fastest method, and you won’t need to bring any physical documents or paperwork with you. However, you need to know your personal information, be 18 years of age, and be a US citizen.

Once you fill in the application, you can expect to hear back within 24 hours. If you’re doing a walk-in, you can be in and out of the store in an hour. Approval of funds and loan terms will be finalized. Once you sign, you can expect the loan to be deposited into your account.

How Much Can You Take From Check City?

Depending on what state you reside in, you can qualify for a set amount of money. The maximum loan amount is $2,500. Although you don’t feel pressured to take out more money than you need, the lowest loan amount is $100.

Carefully consider how much you need for your loan. You shouldn’t take out more than required unless you have the means to pay the loan back plus interest.

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Borrower requirements
  • Age 18years or older
  • Have regular income
  • US citizen or permanent resident
  • Have a valid bank account
Obtaining methods
  • Bank account
  • Credit or Debit card
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What Are Some Check City Loans Rates & Fees?

There are a few fees associated with getting a loan from Check City. First, there is a processing fee. When you apply to a loan, you will be charged an extra $20-100 for your application. Secondly, you will also be charged interest on your loan.

The APR rate of Check City is fair in comparison to other loan companies. It ranges anywhere from 182.5% to 912.5%. The amount changes depending on what state you live in and how big of a loan you take out.

What Happens If You Don’t Pay Check City?

If you’re expecting to miss a payment or are late to pay your monthly loan, you’ll be charged extra fees. Check City will try and email, call, or even text you at your provided contact information.

If you do not pick up or respond, they will set your account to being delinquent. From there, a third-party collection agency will begin to contact you. Once you get to this point, you will be charged late fees and higher interest rates, and your credit score will drop significantly.

Late payments or even non-payment is not acceptable to Check City. If you feel as if you’re going to miss your payment, contact their company right away. Their agency first gets paid a minimum amount or may be able to put a hold on your account. However, don’t expect them to do this unless you have excruciating circumstances.

Is Check City A Legit Company?

Yes, Check City is a legitimate loan company that has been operating for over 29 years. They have multiple locations and a large span of past customers to vouch for them. Checking online reviews can help you get a better idea of what the company is all about.

Their customer service representatives are very knowledgeable and not rude. They will do their best to get you the money you need, even if you don’t have good credit. As long as you have verifiable income, you can get approved.

How To Apply at Check City Loans

To apply for a Check City Loan, you will need to head to their website. Their fastest method is to apply online. If you don’t feel comfortable creating an account with their secure application, you can do it over the phone or at a physical store.

Their application process online only has five steps. The first step is to provide some personal information. After that, you will need to give them proof of your income.

The third step is providing your bank information. Fourthly, input your identity information to prove that you are an American citizen. Lastly, provide valid contact information.

After that, you can expect to get approved and funded within three days. Their fast approval usually happens the same-day if you do walk-in or have quick verifiable income and high credit. However, if you’re an “at-risk” borrower, it may take longer.

Advantages of Check City Loans
  • Eligible in 16 States ;
  • Quick Approval Speeds ;
  • Good Repayment Schedule ;
  • Accepts Bad Credit ;
  • Multiple Application Processes ;
Disadvantages of Check City Loans
  • High APR Rates ;
  • Additional Fees ;
  • Late Fees ;
  • Short Repayment Schedule ;

Check City Payday Loan Requirements

Each borrower will be subjected to meet additional requirements for their loan. We will list the requirements below:

  • Must provide accurate identification (SSN, diverse license, state-issued ID)
  • Verifiable income (paystubs, bank statements, etc.)
  • A title loan (if applying bring the deed to your vehicle)
  • Checking account (must have past spending history)
  • Contact information (email, phone, and address)

States Where Check City Does Offer Loans

So far, Check City is available in up to 19 states. The eligible states are as follows; Alabama, Alaska, California, Colorado, Hawaii, Idaho, Illinois, Kansas, Missouri, Nevada, New Mexico, North Dakota, South Dakota, Texas, Utah, Virginia, Washington, Wisconsin, and Wyoming.

What Do You Need To Get A Payday Loan Online?

To apply online, head to their main website. They will highlight all of the information you need to qualify for a loan. Fill out their “apply now” application.

What Do You Need To Get A Payday Loan In-Store?

In-store walk-ins are welcome in four different states. This includes Utah, Nevada, Virginia, and Colorado. You will need to bring all the necessary information highlighted to get a loan. If you expect to get a title loan, you will need to take the title of your car.

What Time Does Check City Open & Close?

Check City has different opening and closing times depending upon which time zone you live in. Their main call center hours operate Monday through Friday from 8 am to 8 pm. On Saturday, they operate from 9 am to 5 pm. Sundays, they are closed. For more information, head to their “Contact us” page for locations and email services.


Overall, Check City is ideal for borrowers in need of quick loans. The APR rates aren’t too high but aren’t ideal. Repayment is generally necessary for up to four payments made bi-weekly. If you need an extended plan, their representatives will do their best to extend your loan. Just understand that they also have plenty of extra fees associated with that.

If you’re looking for a decent place with multiple lending options, you can’t go wrong with Check City. However, you should only use them if you know you will be able to make each payment. Late payments have dire consequences that should be avoided at all costs. But, we recommend them to anyone in need of fast cash.

( 194 votes, average: 10 out of 10)