Payday Loans Blog

Partnering with Western Union, Check City offers money transfers for anyone needing to send or receive money. With this service you can send your money anywhere in the world. As long as the recipient has a bank account or is near a Western Union then he or she can get that money from you.

All you have to do is walk into any Check City location with a valid photo ID and your money, in cash or debit form, and we can send it off for you. This service is secure because the money is immediately sent to the account or agent waiting for the recipient to come pick it up. Because of this it cannot be intercepted on its way out so you can feel comfortable and confident in sending your hard-earned money.

If someone wants to send you money you can have them send it to any Check City location. You just have to come in with a valid photo ID and the money is yours.

We understand that sending money through the mail can cause unnecessary anxiety and stress. Because of this we have provided a solution. Come to any Check City during our conveniently extended hours and you can transfer your money anywhere in the world.

With Check City’s gold buying program you can get cash for all of your scrap jewelry you have sitting at home. You know those broken earrings you have no intention of ever fixing? Well they are not doing a whole lot of good sitting in your jewelry box. You can take them to one of 15 participating Check City locations and trade them in for cash.

We want to give you the fairest price for your jewelry so the price we pay is based on the NYMEX market value for that day. The market for precious stones and metals is very high right now so it’s a great time to sell. Plus, because we base our buying price off the NYMEX score, you can get up to four times more from us than you would with online competitors.

You simply bring your metal and stones in and we will weigh them on a jeweler’s scale. We then test them for their precious metal content and pay you accordingly.

We will accept just about anything that contains 10K or greater of gold along with silver and platinum. This way you can bring in whatever you need cash for and with our gold buying program walk out with the money you need.

Wisconsin is the latest victim of the crusade against payday loans. Lawmakers introduced a bill that would limit annual interest rates at 36% for payday lenders. This would effectively put them out of business and end payday lending is Wisconsin.

But be careful what you wish for. There are about 500 payday lenders operating in Wisconsin. Pull them out, and two things will happen. First, a lot of people will lose their jobs. Seems like rising unemployment wouldn't be a good thing.

Second, people with bad credit, the poor and others would lose their access to credit. Those with bad credit and those with low incomes are considered liabilities by banks and credit unions. These people cannot get credit from anywhere except payday lenders. Take that away and what does that leave these people?

But of course, far be it from the liberal left to ever consider consequences for actions. No, better to act now and think later. That's the liberal way. These whackos think they are doing people a favor, when its the exact opposite.

Why is it that the people most adamant about banning payday loans are those who have never used them? Why are our biggest critics those who don't need our services? Why don't they ever poll actual payday loan borrowers?

Because they know what would happen. Payday loan borrowers don't want to see a ban on payday loans. They need access to short-term credit. Over 90% of repeat borrowers pay their loans back on time. This isn't some crazy debt cycle our critics want you to believe.

Ask the people that would be affected what they want to have happen. Only let those who use payday loans or have used payday loans vote and see if they choose to ban payday loans. Now ask yourself all you lawmakers, are you really representing the people in your zeal to outlaw payday loans?

At Check City we offer pre-paid phone cards for all of your calling needs. When you are making calls across the country or just next door it is nice to have everything prepaid so you know you are covered. Even better than this, it is nice to know you are getting the best deal based on your situation.

We know not everyone has the same calling habits. Some people are night owls and need more nighttime minutes. Others are waking up with birds and need morning or daytime minutes. Beyond this, they’re not all calling the same locations. Because of this, our calling cards differ based on time, location, and many other factors.

In doing this, you can get a card that is more personalized to your needs. Just as your calling habits are unique, your phone card should be different from the rest. When the phone card is personalized you get the best deals for your needs.

Phones connect us to a much greater network of people. Because of this you should not be deterred by seemingly high calling costs but you should turn to Check City for personalized care. When you buy a pre-paid phone card you are getting a personalized calling plan that will work best for your situation.

Having a cash-in prepaid Visa Card means you get the benefits of a credit card without going into debt. Here at Check City we have teamed up with Visa to offer you this service. With this card you can buy what you need to, when you need to, and still be financially in the clear.

This card will be accepted anywhere Visa is. That means you are not limited to a specific location—you can literally make purchases worldwide! Plus, putting money back on the card is simple. You can transfer funds online from your bank account or walk into any Check City location and put cash on the card.

By having this card you can pay off your bills online or over the phone; whichever is more convenient for you. You no longer have to write a check and wait for the mailman; you can expedite the entire process. We also offer an alert system you can opt into which can notify you via email or cell phone of your account balance.

We want to help you manage your money the most efficient and effective way possible. This is why we offer cash-in prepaid Visa Cards as another service to help you in your financial endeavors.

A money order is a way of converting your cash into a check most businesses and banks accept. Here at Check City we offer this service for all of those who do not have a checking account. It can be frustrating when people will not take cash as payment. We understand this and want to provide you with the services you need to make that purchase.

It can seem so strange when businesses will not accept cash, but that is the way of our modern world. We then have to figure out a way to convert our money into an accepted form.

Check City has teamed up with Western Union in offering this service. With us on your side you can buy things and pay off bills regardless of what form your money is in. Simply come to any of our stores and we’ll make that conversion for you.

The best part of this is our money orders are absolutely free. Whatever amount of money you have is what you will get back. So when you come to Check City you can convert your cash into a free money order and walk out with the means necessary to make purchases and pay off bills.

When you need extra cash you can come to Check City and get it from the value of your car through a title loan. It’s great, you get to come in, get your money, and drive away in that same car.

It can be so frustrating when you need hard cash and all you have are items of worth. We understand this frustration and thus want to help you out in any way we can. This is why we offer title loans; so you can get the money you need.

All you have to do is walk into a Check City store location with your car title, an extra key, a picture ID, and proof of residence. You then fill out a simple application and wait a few minutes as we inspect your car. When we determine the value of your car you give us the title and extra key and we will give you a loan based on the percentage you want to take out.

Be careful when applying for a loan to make sure you will be able to pay it back. You are placing a lien on your car so only do so if you have a guaranteed income. If you can pay it back in a timely manner, our title loans can get you the cash you need when you need it.

Everyone who is outspoken in this country seems to be a critic of payday loans. It seems the only people in favor of payday loans are the ones who sell them. But that's what the critics want you to think.

Their bullying tactics have gone on for too long. It is time for payday loan borrowers around the country to stand up and say enough is enough! Anyone speaking on behalf of payday loans is instantly branded as a loan shark and hater of the poor and minorities.

Look at Chris Dodd for example. A Senator attends a fundraising dinner where some members of OLA are present. He gets shredded to bits in the media for it. Now just being in the same room as payday lenders is enough to incur their wrath.

The only way to stop this is for borrowers out there to stand up together and tell their politicians that payday loans are not the brainchild of Satan. They need to tell their representatives that payday lenders are not devils in disguise. They need to tell people that payday loans, when used responsibly, can be a lifesaver.

There's not enough balance on this issue. Everyone is quickly led away through lies and deception into believing that payday loans are terrible things. The millions of borrowers who use them responsibly might have something else to say about that.

So contact your local representatives and senators. Tell them to lay off payday loans.

Not being able to cash your checks can be so frustrating. You have something that should get you your money but no one will value it. We understand that and here at Check City we make sure to help you with all of the check cashing needs.

It helps that Check City is open later than other financial institutions. Many of our locations stay open until midnight and some even stay open 24/7. This means you can get your money whenever you need it, as opposed to waiting for the banks to open with a small window of time.

We try to help you out in every way we can so we cash lots of checks from payroll, to money orders, to out of state checks. We want you to be able to get your money because it belongs to you so we will work with you in whatever way we can.

All you need to do is bring in your check and a picture ID. We’ll have you fill out a quick customer information form and then you can be on your way with your money. Fees apply to this service so call you can call in and ask what it’ll be depending on your check. We want to help you out in this endeavor and thus provide you with check cashing services so you can get your money when you need it.

Cash advances exist to help anyone out of difficult financial situations. Here at Check City we provide this service because we want to alleviate your financial burden and headache.

Getting a cash advance is really simple. All you need is a state or federal ID, a checking account in your name, and a steady source of income. This helps you avoid further financial struggles. If you have these three things then you can get the money you need when you most need it.

You choose when your loan expires. Because it’s a cash advance on your next paycheck it’s a good idea to end the loan the day your paycheck will be deposited in your account.

All you do is write out a check for how much you will owe when the loan ends and then you walk away with your cash. You actually do not even have to come in. We offer online services so you can apply online and if you qualify we’ll deposit the money straight into your checking account.

It is important to remember these loans are for short-term financial needs and should not be looked to for the long-term. When cash advance loans are used correctly they can really help out during financially difficult times.