Payday Loans Blog

It can be tough to figure out what the best insurance rates available to you are which is why you should turn to Check City for your insurance needs. We know shopping around for insurance rates can be difficult and time consuming. We want to do the busy work for you so you do not have to lose more time.

This service is only offered in Utah so residents of this state can come into a conveniently located store and walk out being insured. We want you to get the best rate available so we give you many different quotes letting you can decide what the best service is for the best price. You do not have to pick one during your visit; we will give you as much time as you need to think about it.

We offer quotes for many different types of insurance including auto, boat, and even home. This way whatever your needs are they will be solved through our service.

You do not even have to come in to hear what our quotes are. You can call us and we will help you over the phone. We want you to find the best rates out there so look forward to helping you with your insurance needs.

Our money transfer service makes it so you never have to worry about mailing money again. When you send cash or a check through the mail there is often a constant worry that the money will not get to the recipient or your check might be stolen. You never have to worry about these concerns again because we will transfer that money directly for you.

We have teamed up with Western Union to send your money all over the world. This means you can send your money wherever a Western Union agent is or directly into the recipient’s bank account. You finally do not have to worry about where the recipient is located because we can send it to so many places.

You can also use this service as a recipient if you need money transferred to you. At any of our Check City stores we will be happy to receive money for you. All you need to bring is a valid photo ID.

We do not want you to worry anymore about how to send your money with the risk of losing it through an unsecured mail system. You can feel confident in our money transfer service to send your money wherever you need it to go whenever you need it to get there.

Right now the perfect way to get some extra money is to trade in your gold for cash with Check City’s gold buying program. The market is hot and we will buy anything from your old jewelry to dental gold. While the market is up you have a great opportunity to sell us your gold for a high price and walk away with the cash you need.

We pay up to four times more for your gold than our competitors and base our buying on the daily NYMEX value. This way you know you are getting a great deal on whatever you sell us.

We buy many different gold items including gold coins and all kinds of jewelry. If there are stones in the jewelry we buy them based on weight. The only stone not bought based on weight would be the diamond but we will buy it from you based on special consideration.

You can walk into one of our participating stores or even send us your gold through the mail by requesting a pre-paid refiner’s pack. We are excited to offer this service and look forward to helping you get the highest rate for your gold with our gold buying program.

When you are facing bills and payments but do not have a checking account you can rely on our money orders to help you out. Many purchases or bills require checks for payment but sometimes we simply do not have this option available to us. This can lead to a frustrating situation especially because you have the money to pay the bill; it is simply not in the right form of payment.

At Check City we understand this dilemma. Because of this we have teamed up with Western Union to provide a solution. Anyone can now walk into our store and send a money order.

Western Union has over 150 years experience in the industry so you can trust us to make sure your money is sent. We have even made it so the whole process is completely free. This means whenever you need to make a payment you can use our money orders at no additional cost to you.

Money orders are an acceptable form of payment for most businesses or banks so you can finally pay those bills without having to worry. Stop by a Check City location today and we will help walk you through sending a money order.

When you have a check and want to convert it to cash then you should come into Check City for your check cashing needs. We understand that at times it can be difficult to cash a check. We want to turn this around and make it a simple and easy process.

You can walk into any of our stores which stay open with extended business hours for your convenience and take care of your check cashing needs. One of our trained and friendly staff members will walk you through the process. This way you can get quickly get your money and be on your way.

We cash many different types of checks so that one that your bank would not even touch you can bring in for cash. From payroll to money orders and even out of state checks we help you out with whatever your need is. We want you to get the money you deserve.

Bring in your check with a valid photo ID and we will have you fill out a quick customer information form. A small fee will apply when cashing a check but this way you can walk out with your money. We look forward to helping you with your check cashing needs.

When you need cash fast we will let you borrow against the value of your car with our title loan services. This means you can borrow equity from your car so you can get the cash you need when you need it most.

If you need money but you have an asset it can be frustrating. We offer this service so you do not have to worry about where to get the cash from. You are literally borrowing what you already own.

By receiving a title loan you are giving us a lien on your vehicle so you need to make sure you can pay this loan back. Unlike most title loan offers though we do not hold your vehicle but rather let you take it to resume your normal activities. We do this because we want to help you during this difficult time.

To obtain a title loan is very simple. You just have to drive your car to a nearby Check City location and bring your title, a photo ID, and proof of residence. We will then ask you to complete a simple application form and then will inspect your car, process your application, and offer you a loan based on a percentage of the value of your car. We are excited to offer this service and want to help you get money with a title loan.

Not having enough money to pay off unexpected debts is so frustrating which is why we at Check City offer our cash advance service. We want to help you out during times of need so you can quickly get through them with as little stress as possible. Our cash advance service is the perfect solution for your unanticipated financial dilemmas.

Getting a cash advance is a really simple process. You can walk into any of our Check City locations during our extended business hours and walk out with the cash you need.

All we require is a federally or state issued valid photo ID, proof of a checking account, and proof of steady income. You will then be asked to write out a check for how much money you will owe upon the termination of the loan. You give us that check and we give you your cash which you are then free to do whatever you want with.

By taking advantage of our cash advance service you are getting an quick, easy, and reliable loan to get you out of any tight spot you might be in. When you borrow responsibly our loans are the perfect solution to your financial needs so stop by a Check City today and see what our cash advances can do for you.

Paying your taxes is a stressful process that we at Check City can help you with. We understand the ins and outs of those tax forms and want you to benefit from our knowledge. Our tax professionals are sitting by waiting to help you with your tax return.

You can walk into a Check City location and immediately begin the tax return process. All you have to do is go over your information with our trained professionals. We will get you the deductions you are entitled to while charging you less than other tax servicing professionals. This both makes and saves you money.

It can be frustrating that so much money is taken out of your paycheck when you do not understand how much you qualify to receive back. The good news is we do understand what you qualify for and we will help you get that money.

We also offer a tax refund anticipation loan which you can choose to take advantage of if you need your tax refund right away. This can be an expensive form of credit so make sure to take caution if you opt in for this loan. We want to take the stress out of the tax refund process so come into a Check City location today and take advantage of our tax preparation services.

The state of Virginia has announced they plan to compete with payday loans. Virginia said it will offer six-month loans of $100 to $500 to state employees facing financial difficulties according to the Governor.

These loans will have a 24.99% APR and no late fees or credit checks. Borrowers will be required to take an online financial course and a brief financial literacy exam.

The good news for Virginia is that they are only offering this to state employees. The reason? They would learn the hard way why payday lenders operate the way they do. Of course, they can ignore all the laws about collections and simply take whatever payments they want from teh state employee's paycheck.

But this begs the question- why only offer these to state employees? If there's clearly this better way to operate short-term loans that doesn't cost as much to the borrower, why haven't other lenders jumped on this competitive advantage? Why doesn't the state offer loans to all?

The reason is because they know an operation of this sort cannot survive as a business. That is why loans are only offered to state employees. That way no one can ever default on their loan, because the lender and employer are one in the same. The employer/lender needs simply garnish the wages of the borrower, and they get their money back.

And that is why these loans are not offered across the board to the should-be-infuriated citizens of Virginia. Pretty pathetic this blatant display of how payday loans simply cannot survive under those terms. Now maybe people are seeing the reason the APR is so high- real lenders have to account for defaults. Virginia does not.

Our friends at the Center for Responsible Lending have taken aim at payday loans yet again. Their newest study, Phantom Demand, is really a piece of work. They claim demand for payday loans is exaggerated.

Their major findings say that a majority of payday loans originate shortly after a previous loan is paid back, three of four loans are generated in a debt trap and households caught up in this pay an extra $3.5 billion in fees each year. Pretty lofty accusations.

You know what they say about assuming- it makes an ass of you and me. Well CRL, guess what you look like right now? Data is data, and if they say most loans originate shortly after another is paid off, then I believe them.

It's that fuzzy part after where I have a problem. You see, just because someone gets another loan one, two or three days after paying off a previous loan, it doesn't mean they are in some kind of debt trap. Unfortunately for CRL, no borrower is ever asked what the money is for. So they are merely guessing at intent.

But can we expect any less from the CRL? These buffoons throw out their "research" which is nothing but politically motivated bias. They make me want to puke. Payday loans, when used properly, hurt no one. Why not go after the products that when used properly are harmful? How about cigarettes? No potential for good there.

The people that unjustly fight against something have the most to gain from its demise. I wonder the CRL is standing to gain from all of this. Hopefully we never see the day when payday loans are outlawed and our freedom to choose options for ourselves is taken away from us. Then we might have two people responsible for our financial crisis running the lending industry...