Responsible Lending Statement

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Check City commits to you that short-term cash advance loan products offered through this website are issued in accordance with applicable state and federal laws. We strive to provide you, our consumer, the greatest level of fairness and transparency available. We affirm the following statements:

We Respect Your Privacy

We adhere to applicable federal and state privacy laws. Please see our Privacy Policy for details.

Our Loans are Intended for Short-term Needs

This is a short-term loan intended to help you meet your immediate needs. It is not designed to help you meet longer-term financial needs. If you extend or refinance this loan, it will result in additional charges. We strongly encourage you to only borrow the amount you need and repay it as soon as possible. You should attempt to reduce the principal of your loan by making early payments to potentially reduce the finance charges you may incur at refinance. We encourage you to review the terms and conditions of our loans verses other loans available to you. Consumer credit counseling centers may help you explore the best credit options available to you.

Right to Rescind

If you decide you do not want your loan within 24 hours of being approved, you may rescind your loan at no charge as long as you return the loan proceeds in accordance with the terms listed in your loan agreement.

Transparency of costs for your loan

The cost of credit is always clearly disclosed to you in terms of the Annual Percentage Rate, the finance charge, and total amount you are required to repay according to federal Truth in Lending Regulations. Late fees, returned item/NSF fees, or ongoing interest may apply as outlined in your loan agreement if you fail to pay your loan on time. We will not charge your hidden fees or other charges that are not fully disclosed in your loan agreement. Visit our Check City Rates and Fees page for information about rates in your state.

Late Payments and Non-Payment.

If you do not make a loan payment by your due date, we will attempt to contact you using one or more authorized methods, including phone calls, emails, and text messages to arrange for payment. In addition, we may re-present any returned payments to your bank in accordance with your loan agreement, applicable law, and regulatory requirements. If we are unable to reach you or if we cannot collect a delinquent balance you owe, a notice may be reported to credit bureaus reflecting your late or non-payment. Such action may impact your credit rating. Pursuant to governing law we may also seek legal recourse. Some delinquent accounts may be placed or sold to a third party collection agency that follows the FDCPA. As noted above, late fees and returned item/NSF fees may apply as described in your loan agreement.

Responsible Renewals and Refinancing Options for Cash Advances

Check City will not renew or refinance your loan without your express permission pursuant to the terms of your loan agreement. We strongly encourage you to reduce the principal of your loan by making early payment to potentially reduce the finance charges you may incur. Visit our Check City Rates and Fees page for information about loan terms in your state.

We Follow the Law

We comply with all applicable federal and state laws and regulations. The following federal laws apply to cash advance loans :

Truth in Lending Act (TILA)
The Electronic Fund Transfer Act (EFTA)
The Fair Credit Reporting Act (FCRA)
The Gramm-Leach-Bliley Act (GLBA)
The Equal Credit Opportunity Act (ECOA)

Contact Us

We provide you a toll-free phone number, email address, and street address so that you can reach us in the manner easiest for you. We try to respond to your mail, calls, live chats, and email in as fast as possible so we can answer your questions and resolve and problems you might have. Please see our Contact Us page for details.

Note to Texas Customers

In Texas, Check City acts as a credit services organization/credit access business (CSO/CAB) and is not the lender loans are made by a third-party lender. However, the terms of our Responsible Lending Statement applies equally to us in our role as a CSO/CAB and to the applicable third-party lender.

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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 EFT 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.