Installment Title Loans FAQ

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Installment Title Loans FAQ

For Utah Residents Only

	What is an Installment Title Loan?
	An Installment Title Loan is a secured loan that allows you to borrow against the equity that exists in your vehicle that is repaid in equal periodic payments. A portion of the payment will be applied to the principal, guaranteeing a quicker payoff.
	How does an Installment Title Loan differ from a regular Title Loan?
	The Installment Title Loan offered by Check City is different than a regular title loan. In a regular title loan the loan amount is due in full usually within 30 days, if a you are unable to pay back the loan in full you are required to make an interest payment to extend out the due date; you continue to do this until the loan is paid in full. With an Installment Title Loan, the loan is split up into equal periodic payments with a portion of the payment being applied to the principal. This ensures that the loan will be paid in full in 12 months.
	What do I need to bring in to qualify for an Installment Title Loan?
	Simply bring in the Vehicle and the Title, Proof of Income, Proof of Registration, and your Photo ID.
	What are the interest rates?
	Our rates are the lowest in the state. They range from 118.8% APR to 240% APR based on the amount borrowed. The more you borrow the lower the interest rate.
	How much time to do I have to pay back the loan?
	With the Installment Title Loan you are guaranteed to have you loan paid off in 12 months. Or you can pay the loan off quicker. It is completely up to you.
	How much can I expect to get?
	At Check City we can loan you up to 50% of the black book value of your vehicle.

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Payday Loans are also commonly referred to as Cash Advance, Payday Advances, Payday Advance Loans and Fast Cash Loans

Check City does not usually utilize traditional credit checks as part of the payday loan approval process. However, Check City may, at its discretion, verify application information by using national consumer loan underwriting databases that may include information relating to previous cash advance transactions that Check City may take into consideration in the approval process. Additionally:

*Actual loan amounts vary. See State Center for specific information and requirements.

***Products or services offered to customers may vary based on customer eligibility and applicable state or federal law.

***Some customers applying for payday loans or installment loans may be required to submit additional documentation due to state law and qualification criteria

Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

Check City provides loan services in: Alabama, Alaska, California, Hawaii, Idaho, Illinois, Indiana, Kansas, Missouri, Nevada, New Mexico, North Dakota, South Dakota, Texas, Utah, Washington, Wisconsin, and Wyoming.

Check City acts as a credit services organization/credit access business (CSO/CAB) in Texas and is not the lender – loans there are made by a third-party lender.

This is an invitation to send a loan application, not an offer to make a short term loan.

This service does not constitute an offer or solicitation for payday loans in Arizona, Arkansas, Colorado, Georgia, Maryland, Massachusetts, New York, Pennsylvania, or West Virginia.

*Loan proceeds issued through our website are generally deposited via ACH for delivery next business day if approved by 8pm CT Mon. – Thu. or by 8pm Saturday.

‡Maximum funded amount for payday loans or installment loans depends on qualification criteria and state law. See Rates and Terms for details.

++Please see Rates and Terms to check the availability of online loans in your state. Check City does not provide loan services in all states.