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2020 Review: The Best Store Credit Cards

store credit cards review

Which credit card is best? With endless options, it can be hard to choose.

That’s why we’ve compiled a complete list of all the best department store credit cards so you can easily compare different credit card perks in one place! Here you can look at credit cards for bad credit, and some of the easiest department store credit card to get.

Our Store Credit Card Guide:

Credit cards can offer a lot of benefits. You can use them to better budget yourself, when you need extra funds to pay for something, or to accumulate cashback, points, and rewards.

If you need to pay for a larger purchase in installments, you can also take out a Check City Installment Loan and avoid any hassle with multiple credit cards.

Best Buy Credit Card

Get 5% back in rewards for Best Buy purchases and 6% back if you are an Elite Plus Cardmember. Gest the Best Buy Visa Card and also earn 3% back on gas, 2% back on dining and groceries, and 1% back on everything else.

Recommended Credit Score:

Average to Excellent (630 to 850)

Fees:

Annual fee of $0 to $59 depending on your level of creditworthiness

Cash advance fee of $10 or 5% depending on which is greater

Interest Rate:

at least $1

PROS CONS
flexible financing only on purchases of $199+
get 10% back in rewards on your first day of purchases application needs approval
offer both credit and visa cards credit card is for Best Buy purchases only
there are annual fees
there are cash advance fees

The Best Buy Cards are issued by Citibank. If you get the Best Buy Visa Card then you can also enjoy benefits like 3% back on gas, 2% back on dining and groceries, and 1% back on everything else. But the Best Buy Credit Card doesn’t have this option. It is only used for Best Buy purchases online and in stores.

Walmart Credit Card

Get 5% back at Walmart.com, the Walmart app, grocery pickup, and delivery. Get 2% back in Walmart stores, Walmart fuel stations, restaurants, and travel expenses. Get 1% back everywhere else.

Recommended Credit Score:

Fair to Excellent (630 to 850)

Fees:

$0 annual fee

$0 fraud liability

3% balance transfer fee

3% or $10 cash advance fee, whichever is greater.

Interest Rates:

variable rate of 17.99%, 23.24% or 26.99% depending on the level of your creditworthiness.

PROS CONS
mobile friendly app only 2% back in stores
card lock available can only use Walmart fuel stations for the 2% back
get security alerts on your phone credit approval required
you are not liable for fraudulent purchases balance transfer fees

Walmart has 2 kinds of cards—the Capital One Walmart Rewards Mastercard and the Walmart Rewards Card. Your credit score has to meet minimum credit approval requirements with Capital One before they will approve you for the Walmart Credit Card.

Credit Card for Children’s Place

Get 30% off your first purchase, 25% off on your children’s birthdays, 20% off just for getting the card, and get 2 points for every $1 you spend and 100 points for every $5 you spend.

Recommended Credit Score:

Fair to Excellent (640 to 850)

Fees:

Shipping fees

Interest Rates:

27.24% APR

PROS CONS
can be used at the Children’s Place or Gymboree can’t be used outside the store
earn 100 points for every $5 you spend subject to credit approval
get birthday rewards can only register 4 of your children’s birthdays

The Children’s Place Credit Card is issued by Comenity Capital Bank. They specialize in branded credit cards. You can get lots of discounts by using a credit card from Children’s Place, but you can’t use it outside the store and there isn’t a lot of available information about the potential fees and interest rates.

Home Depot Credit Card

Get $25 off purchases of $25 to $299, $50 off purchases of $300 to $999, and $100 off purchases of $1,000 or higher.

Recommended Credit Score:

Fair to Excellent (640 to 850)

Fees:

$0 annual fees

Interest Rates:

7.99% fixed APR for Project Loans

17.99% to 26.99% APR depending on your level of creditworthiness for the Consumer Card

PROS CONS
get up to $100 off your Home Depot purchases Home Depot Purchases only
financing terms of 6 to 84 months available only get other savings at participating fuel stations with the commercial cards
can borrow up to $55,000 for a Project Loan
no interest for the first 60 days after a purchase

Home depot has 4 major credit cards—the Home Depot Consumer Credit Card, the Home Depot Home Improver Card (the Project Loan Card), the Home Depot Commercial Revolving Charge, and the Home Depot Commercial Account. You can use the Consumer Card and the Project Loan for your own personal use and you can use the Commercial Cards for your business.

Lowe’s Credit Card

Get $5 off every day on all your Lowe’s purchases. You can also get 6 months of special financing, 84 months of fixed monthly payments, and credit cards for your business.

Recommended Credit Score:

Fair to Excellent (640 to 850)

Fees:

$0 annual fees

Interest Rates:

7.99% APR on the Lowe’s Advantage Card

26.99% APR with a minimum interest charge of $2 on the Lowe’s Business Cards

PROS CONS
get 5% off on everything Lowe’s Purchases only
special 6 month financing terms available minimum purchase of $299
84 month terms available minimum purchase of $2,000

Lowe’s has one card for personal use called the Lowe’s Advantage Card. With it you can take part in exclusive events and discounts for cardholders and get 5% off on all your Lowe’s purchases. You can also use their 6 to 84 month financing on larger personal purchases.

Lowe’s also has 4 cards for your business—the Lowe’s Business Credit Cards and the Lowe’s Preload Card. These can also get your business 5% off every day, and get you discounts on deliveries and larger lines of credit.

Kohls Credit Card

Get $35 off your first Kohls purchase after getting the Kohls Credit Card. You can also enjoy extra savings, Kohls cash, anniversary offers, mobile payments, and Most Valued Customer benefits after spending $600 at Kohls in one year.

Recommended Credit Score:

Good to Excellent (680 to 850)

Fees:

$0 annual fees

Late fees up to $38

Interest Rates:

26.49% APR

PROS CONS
get exclusive offers throughout the year balance transfers aren’t allowed
get 15%, 20%, and 30% off coupons throughout the year savings aren’t consistent
special anniversary offer each year APR is a variable rate

The Kohls Charge Card is issued by Capital One. You can only use the Kohls Credit Card in their stores, but they do come with monthly discounts, and the ability to make returns without receipts. You can even become a Most Valued Customer (MVC) by spending $600 at Kohls in a single year. Then even more benefits will open up to you.

Get $20 off your first store purchase, get 5 points for every $1 you spend on their brands, get 1 point for every $1 you spend everywhere else, and get a $5 reward for every 500 points.

Recommended Credit Score:

Fair to Excellent (600 to 850)

Fees:

$0 annual fees

$0 fraud liability

Interest Rates:

26.99% APR

PROS CONS
fraud prevention chip
extra 20% off
free shipping
free basic alterations on Banana Republic clothes
same benefits apply at all Gap stores
can be used anywhere that accepts Visa

The Old Navy Credit Card is a part of the Gap Brand. This means that Old Navy Credit Cards, Gap credit cards, Banana Republic Credit Cards, and Athleta Credit Cards all come with the same benefits and can be used interchangeably amongst these 4 stores.

The Gap brand credit cards are all issued by Visa, which means that they can all be used anywhere that accepts Visa cards, not just inside their stores. So you can use them for all your shopping, get 1 whole point for every $1 dollar you spend, and watch your clothes start paying for themselves.

TJ Maxx Credit Card

Get $10 off when you sign up for a TJ Maxx Rewards Card. Earn 5% back in the TJ Maxx family of stores, get 5 points for every $1 you spend in stores and 1 point for every $1 you spend anywhere else.

Recommended Credit Score:

Fair to Excellent (620 to 850)

Fees:

$0 annual fees

Interest Rates:

27.24% APR

PROS CONS
same benefits apply at TJ Maxx, Marshalls, Home Goods, Sierra Trading Post and Homesense can only redeem rewards in the TJ Maxx family of stores
earn 5% back in rewards when you shop in the family
get invites for exclusive offers
can be used anywhere that accepts Mastercard

The TJ Maxx Rewards Credit Card is a part of a larger family of stores. You can also get these same discounts and points at Marshalls, Home Goods, Sierra Trading Post, and HomeSense.

The TJ Maxx Card is issued by Synchrony Bank and Mastercard. It can be used outside this family of stores so you can get 1 whole point for every $1 dollar you spend outside their stores. Rewards can only be redeemed inside their stores.

Amazon Credit Card

Get 5% back on all your Amazon purchases, get 2% back at restaurants, gas stations, and drugstores, and get 1% back on everything else. The Amazon Credit Card also offers 6, 12, 24 month financing terms and 0% APR.

Recommended Credit Score:

Fair to Excellent (640 to 850)

Fees:

$0 annual fees

Annual Prime Membership fee

$0 fraud liability

Interest Rates:

0% APR

PROS CONS
use financing terms to make purchases in installments you need an Amazon Prime membership
0% APR
you are protected against unauthorized purchases
can use anywhere that Visa is accepted

The Amazon.com Store Card can offer you financing, zero fees and interest rates, limited time offers, protection against fraud and money back on all your Amazon purchases. It can also get you a percentage back on all your other purchases.

Costco Credit Card

Get 4% back on gas, 3% back on restaurants and travel, 2% back on Costco purchases, and 1% back on everything else.

Recommended Credit Score:

Very Good to Excellent (750 to 850)

Fees:

Yearly Costco Membership fees

$0 foreign transaction fees

Interest Rates:

16.74% APR variable

PROS CONS
earn back the most on gas and travel if you don’t travel a lot
can use anywhere that Visa is accepted you need a Costco membership
you can use this card in other countries if you don’t visit other countries

Your Costco Anywhere Card also doubles as your Costco membership ID. It can also get you an extended warranty on your purchases. Costco also offers cards for your business needs.

Target REDcard

Save 5% on all your Target purchases, enjoy free 2-day shipping, an extra 30 days on returns, and special gifts and offers throughout the year.

Recommended Credit Score:

Fair to Excellent (640 to 850)

Fees:

$0 annual fee

$40 cash withdrawal fee on the Target Debit Card

Interest Rates:

25.15% APR variable

PROS CONS
link Target Debit Card to existing checking account $40 cash withdrawal fee
10% discount coupon on your card’s anniversary can only be used at Target

Target has both a Target REDcard Credit Card and Target Debit Card. The Target Credit Card, however, can only be used at Target, so you can’t get points or cashback on other purchases.

How to Pick a Credit Card:

The key to picking out a credit card is knowing which one will most benefit you specifically.

First, think about where you shop the most. You’ll get the most benefit from that card because their best perks are usually for in-store or online purchases. If you don’t know where you shop the most then go to your bank account statements and look at your transaction history.


BB&T Personal Loan (2020 Review)

BB&T Bank has lots of loan options, but you need a credit score of 660 or higher to qualify. If you can’t qualify for a BB&T loan, then find a Check City Location near you where you can take out a Personal Loan today!

BB&T Bank and SunTrust Bank are combining to create Truist Financial Corporation. The two banks are still operating separately as the transition continues, so you can still visit BB&T Bank’s website and use their financial services.

BB&T Personal Loans: a Quick Look

BB&T Bank offers personal loans that can help consolidate debts, update your house, make a large purchase, or even finance a boat. But they are in the middle of a merger right now, and their rates depend on many factors. They have auto loans, unsecured loans, lines of credit, debt consolidation loans, boat and marine lending, recreational loans, and home equity loans.

Loan Amount: $3,500 to $50,000

Rates: 8.00% to 18.00% APR

Fees: some fees

Term: 12 to 36 months

Basically, BB&T Bank is a great place to go if you already have a history with them and want to keep your financial business in the same hands. They are also good loans for borrowers that live in the east coast states where they operate, so that they can visit BB&T Bank’s physical locations.

Who are BB&T Personal Loans Perfect For?

Generally, getting a loan with your bank is a good idea. If you already have accounts with BB&T or its affiliates, then it might be a good idea to stick with your bank when applying for a loan. BB&T Bank also has its own qualifications that all loan applicants need to meet. If you meet these requirements then BB&T personal loans are a worthwhile option to look into.

PROS

  • Competitive rates
  • Quick approvals
  • Many loan type options

Who Should NOT Get a BB&T Personal Loan?

The personal loans from BB&T Bank come with a few requirements that might make it hard for some people to qualify for their loans. You might be one of these people if you have a high debt-to-income ratio of 40% or more. Your application is also subject to credit approval and they’ll want to look at your loan-to-value ratios as well.

CONS

  • Need a credit score of 660 or higher
  • Need a low debt-to-income ratio, lower than 40%
  • Varied rates
  • Their a company in transition
  • You need a good loan-to-value ratio
  • There are some annual fees for some states

An Alternative to BB&T Personal Loans

Now that you’ve learned a bit more about BB&T personal loans, you might realize it isn’t a good loan fit for you. But that’s ok! You can still find your perfect loan today by looking into a Check City Personal Loan.

Reasons to Get a Check City Personal Loan

personal loan review

Direct Lender

Being a direct lender means Check City loans are as straightforward as they can be. You fill out your loan application with Check City and Check City is the one giving you the funds upon approval. You won’t deal with confusing third-parties here.

State Licensed Lender

Check City is a state licensed lender in all the states they operate in. This means you don’t have to worry about your loan being “up to code” when you take out a loan at Check City.

Easy Online Application

With just a few spare minutes you can easily fill out a loan application online. Check City has worked hard to make the application process as quick and simple as possible.

No Origination Fee

An origination fee is what a financial institution charges a customer for opening an account. Check City won’t charge you a fee just for starting an account with them.

Fast Loans

Fast loans are usually characterized by loans you can get the same day, or within a small number of business days. At Check City, you can get your money fast so you can move on with your business.

How to Apply for a Check City Personal Loan

Interested in a Check City Personal Loan? It’s easy to apply and easy to get approved. All you have to do is gather a few required documents, and choose the way you’d like to apply for your loan.

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online.

Complete a fast, simple, and straightforward loan application without having to leave your house.

Apply in the Store.

At Check City, you can fill out a loan application and receive your loan funds all in one visit.

Apply Over the Phone

Just call Check City’s Loans By Phone number: 800-404-0254 to apply with a Check City representative over the phone or if you need any other kind of help with your loan or application.

The Check City personal loan was created for everyone. Anyone can apply and get their funds FAST with our simple streamlined loan process. Don’t hesitate to give us a call, pull up our website, or visit your neighborhood’s Check City store to get your money now.

COMPARE SIMILAR PERSONAL LOAN OPTIONS

Check City Citibank Citizens Bank TD Bank BB&T
Amount $300 to $3,000 $2,000 to $50,000 $5,000 to $50,000 $2,000 to $50,000 $3,500 to $50,000
Rates lower APR than our payday loans 7.99% to 23.99% 6.78% to 20.88% 6.99% to 18.99% 8.00% to 18.00%
Fees no origination fees no origination fees no application fee, no annual fee, no late fee no origination or application fees some fees
Terms 6 months 12 to 60 months 36 to 84 months 12 to 60 months 12 to 36 months
Min. Credit Score none high credit score 680 660 660


SunTrust Personal Loan (2020 Review)

LightStream is a division of SunTrust Bank that offers the Debt Consolidation Personal Loan. But if you don’t have a low debt-to-income ratio or an established credit history, you might have trouble applying for this loan.
If you can’t meet the requirements for a LightStream personal loan, then look into a Check City Personal Loan today!

Every lender is going to have their own requirements, terms, and conditions for their personal loans. But as a potential loan customer, there are things you need in a loan as well. That’s why shopping for the best personal loan for you is important before making a final decision.

SunTrust Bank is in the middle of some reconfiguration right now, meaning they’re currently connected to LightStream, BB&T, and Truist as BB&T and SunTrust transition into Truist. They offer many loan and credit line services that could be useful to you. Their loans are most commonly used for buying a home, home renovations, buying a car, paying for college, and consolidating debts.

SunTrust Personal Loans: a Quick Look

SunTrust offers several loan options but their most basic personal loan type is the LightStream Debt Consolidation Loan, so that’s what we’ll go over today. If this loan isn’t what you’re looking for, but you still want to use SunTrust, you can further research into other SunTrust, LightStream, BB&T, and Truist financial services.

Loan Amount: $5,000 to $100,000

Rates: their lowest APRs are 5.95%

Fees: no fees

Term: 24 to 84 months

Basically, SunTrust personal loans are great if you have an affiliation with SunTrust or its connected companies. You can also get a discount on your loan’s interest rate by using autopay. SunTrust bank may not be the best option for loan customers who lack a strong credit history.

Who are SunTrust Personal Loans Perfect For?

If you already have accounts with SunTrust or its affiliates, then you already have a history with them, making their personal loans an ideal option for you. They may be in the middle of transitions but their loan services will be up and running like normal in the meantime. They’re also a great loan option if you have minimal debts and a healthy credit history.

PROS

  • Autopay discount
  • Same day funding available
  • No fees

Who Should NOT Get a SunTrust Personal Loan?

If you have a high debt to income ratio then you may have trouble applying for this loan. You might also have trouble getting a SunTrust personal loan if you have a weak credit history. This loan option might also be wrong for you if you don’t already have an account set up at SunTrust bank.

CONS

  • Need a credit score of 660 or higher
  • Need a low debt to income ratio

An Alternative to SunTrust Personal Loans

Now that you’ve learned a bit more about SunTrust personal loans, you might realize it isn’t a good fit. If you find yourself in this predicament, do not fret. You can still find your perfect loan today by looking into a Check City Personal Loan!

Reasons to Get a Check City Personal Loan

personal loan review

Check City is a direct lender so you don’t need to go through third parties just to connect to an actual lender. Check City is where you both apply and receive your loan funds.

Check City is a state licensed lender meaning they have a license to lend in each state they operate in. Rest easy knowing your Check City loan follows all your state’s regulations.

Check City has an online application that only takes a few minutes to finish, and all from the comfort of your home.

Check City has no minimum credit requirements so you don’t have to have incredible credit just to apply.

Check City has no origination fee meaning they won’t charge you a fee just for starting an account with them.

How to Apply for a Check City Personal Loan

To apply for a Check City Personal Loan all you need is a few minutes and a few documents. The process doesn’t take very long and if you visit a Check City store to apply, you can even get a same-day loan and walk out with cash in hand.

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online.

Complete a fast, simple, and straightforward loan application without having to leave your house.

Apply in the Store.

At Check City, you can fill out a loan application and receive your loan funds all in one visit.

Apply Over the Phone

Just call Check City’s Loans By Phone number: 800-404-0254 to apply with a Check City representative over the phone or if you need any other kind of help with your loan or application.

The Check City personal loan was created for everyone. Anyone can apply and get their funds FAST with our simple streamlined loan process. Don’t hesitate to give us a call, pull up our website, or visit your neighborhood’s Check City store to get your money now.

COMPARE SIMILAR PERSONAL LOAN OPTIONS

Check City Wells Fargo Chase SoFi SunTrust
Amount $300 to $3,000 $3,000 to $100,000 $4,000 to $600,000 $5,000 to $100,000 $5,000 to $100,000
Rates lower APR than our payday loans 5.49% to 22.99% depends 5.99% to 20.01% their lowest APR is 5.95%
Fees no origination fees no origination fees, no prepayment penalties n/a no fees no fees
Terms 6 months 12 to 84 months 12 to 84 months 24 to 84 months 24 to 84 months
Min. Credit Score none 600 high credit score 680 660


Barclays Personal Loan

The main perk of a Barclays personal loan is that they have absolutely no fees, but their loans are by invitation only. If your credit doesn’t qualify you for an invitation, check out the Check City Personal Loan where everyone is welcome to apply!

Barclays personal loans are offered by invitation only and, according to an announcement in June of 2019, might be phasing out of existence in the near future.

Personal Loans are installment loans paid back over a period of months or years, depending on your loan contract and the amount borrowed. Personal loans are most commonly used to fund major purchases, emergency expenses when you’re caught without an emergency fund, or to consolidate multiple debts into one payment. The loans at Barclays are best used to reduce monthly payments and save money by consolidating debts.

Barclays Personal Loans: A Quick Look

Loan shopping doesn’t have to be complicated. There are a few basic items you’ll need to know and then you can make a decision from there.

Loan Amount: $5,000 to $35,000

Rates: 5.74% to 20.99% APR

Fees: no fees

Terms: 36 to 60 months (3 to 5 years)

Basically, Barclays personal loans are for people with good to excellent credit scores who know how to manage their credit. If you meet these requirements then Barclays will mail you an invitation to apply for one of their loans. You need to have both good credit and a personal invitation from Barclays in order to apply for their personal loans.

Who are Barclays Personal Loans Perfect For?

There are 2 requirements that will determine whether a Barclays personal loan is the best option for you. First, you have to have an excellent credit score and credit history. Second, you have to receive a personal invitation from Barclays. If these 2 items describe you then a Barclays personal loan is a great choice, especially since they offer flexible loan terms with no fees.

PROS

  • Flexible
  • Exclusive
  • No fees
  • Great for debt consolidation

Who Should NOT Get a Barclays Personal Loan?

If you have a credit score that is less than average then you might not qualify for a Barclays personal loan invitation. But don’t feel too bad if you don’t qualify for an invitation. There are other reasons to not choose a Barclays personal loan as well.

CONS

  • By invitation only
  • Not great for borrowers with low credit
  • Takes a few days for funds to drop

An Alternative to Barclays Personal Loans

For those of you who haven’t received an exclusive invitation for one of Barclays personal loans, don’t worry. You aren’t alone and there are still great personal loan options available to you, even if you have low credit. Check City Personal Loans don’t require an invitation. Everyone is welcome to apply regardless of their credit. Check City also offers shorter loan terms so you can get smaller, easier to pay back loans. But these aren’t the only reasons to check out a Check City Personal Loan.

Reasons to Get a Check City Personal Loan:

personal loan review

Check City is a direct lender so you won’t have to deal with third-party go-betweens. Instead, you’ll only apply with and receive funds from Check City.

Check City is a state licensed lender in each state they operate in. So you won’t have to worry about your loan being safe, secure, and authorized.

Check City has an online application that only takes a few minutes to fill out.

Check City doesn’t have credit requirements so even borrowers with low credit scores can still apply.

Check City has no origination fee meaning they won’t charge you a fee just for starting an account with them.

How to Apply for a Check City Personal Loan

To apply for a Check City Personal Loan all you need is a few minutes and a few documents. The process doesn’t take very long and if you visit a Check City store to apply, you can even walk out with your funds in one visit.

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online. Would you rather apply for a loan in person? Check City provides that option too! You can also apply for a Check City Personal Loan over the phone or in the store.

Apply in the Store. By applying inside the Check City store, you can actually walk out with cash in hand in that very same visit!

Or call Check City’s Loans By Phone number: 800-404-0254 to apply with a Check City representative over the phone.

The Check City personal loan was created for everyone. Anyone can apply and get their funds FAST with our simple streamlined loan process. Don’t hesitate to give us a call, pull up our website, or visit your neighborhood’s Check City store to get your money now.

COMPARE SIMILAR PERSONAL LOAN OPTIONS

Check City American Express Citizens Bank Avant Barclays
Amount $300 to $3,000 $3,500 to $40,000 $5,000 to $50,000 $2,000 to $35,000 $5,000 to $35,000
Rates lower APR than our payday loans 6.90% to 19.98% 6.78% to 20.88% 9.95% to 35.99% 5.74% to 20.99%
Fees no origination fees no origination fee, there are late fees no application fee, no annual fee, no late fee no prepayment fee, but there is an administration fee up to 4.75%, a $25 late fee, and a $15 dishonored payment fee no fees
Terms 6 months 12 to 48 months 36 to 84 months 24 to 60 months 36 to 60 months
Min. Credit Score none 660 680 580 excellent credit

Don’t settle for less in a personal loan. Research the personal loan options available to you before making a choice. That way you’ll know you’re getting the best personal loan for you.


The Beginner’s Guide to Filing Taxes

tax guide

Doing taxes might be one of the most procrastinated tasks we have to do each year.

But it doesn’t have to be that way.

With all the tax services available today you can get your taxes filed away with just a few clicks of a button. Some tax service places will even let you file your taxes early so you can get it done asap and cross that item off your to-do list right now. However you choose to do your taxes, there are a few things everyone should know about filing taxes.

How Do I File My Taxes?

It’s a common misconception that filing taxes is confusing and difficult to do. It really isn’t! Just follow these steps:

Step 1: Gather necessary documents

W-2 form.

You’ll get this from your place of work and it will have all the information you need on it—how much you got paid and how much you paid in taxes through your paychecks.

1099 form.

If you’re self-employed, a contracted employee, or a freelancer, then you’ll get a 1099 form from each of your employers instead. Since you aren’t receiving a taxed paycheck from an employer you may have to pay your taxes after filing since your taxes weren’t automatically paid throughout the year via taxed paychecks.

Step 2: Use these documents to file taxes

Give documents to a professional tax service.

The easiest way to get your taxes done is to simply submit these documents to a professional tax service. You can visit a financial store, like Check City, that offers tax services in person. Check City even offers Tax Advance Loans so you can get your refund sooner.

You can also use an online tax service to do it online. You may have to use your W-2 or 1099 forms to fill out some of the information. Using a tax professional or service will often come with some service fees.

File your taxes manually with the IRS.

You can also do it yourself by filling out a form called a 1040. Then you simply mail this form to the IRS. This route doesn’t have any service fees, besides postage, but it’s more effort on your part and takes more of your time.

Once you’ve finished filing taxes you’ll be able to see how much you owe or are owed. If you owe money you can mail it in to the IRS. If you are owed money then you can expect a check in the mail after the IRS is done processing your filed taxes.

When Do I File Taxes?

January.

You can file your taxes as soon as you receive the documents you need. These documents are your W-2 form from your employer or any 1099 forms you get from employers and contractors. You’ll usually receive these documents in January or you’ll need to request them.

This year the IRS will start accepting filed taxes on January 27th, 2020. Ideally, you’ll want to have everything ready to file by this date. That way if you are getting a tax refund, you can get your money as soon as possible.

When are Taxes Due?

April.

“National Tax Day” is usually on April 15th every year. But if the 15th of April falls on a weekend, then they’ll push it back to the 16th or 17th. This is when your taxes for the previous year are officially due to the federal government.

For example, taxes for 2019 need to be filed by Wednesday, April 15th, 2020.

When Do I Get My Tax Return?

up to 3 weeks.

When you get your tax return will depend on when and how you file your taxes. Since the IRS doesn’t start processing filed taxes until January 27th this year, you won’t receive your refund until after this date. You can check your refund status on the IRS’s website if you’re curious.

But generally, your tax refund can take up to 3 weeks to get to you after January 27th and after you’ve filed your taxes. It’s also always a good idea to keep a copy of your tax return for your own personal files.

If you want to get your tax refund quicker, you can do so by e-filing your tax return at Check City rather than mailing it in.

Why Do I Have to File Taxes?

To make sure you paid the correct amount in taxes the year before.

The main reason you have to file taxes at the beginning of each year is to make sure you paid the correct amount in taxes the previous year and didn’t over or underpay.

Income tax gets taken out of each paycheck throughout the year, but this amount isn’t always the amount you end up owing in taxes by the end of the year. By filing taxes at the start of the new year, you and the government will both know for certain whether you owe more in taxes or are owed the extra you ended up giving in taxes.

How much you pay in taxes is determined by your total income over the course of the year. How much you make will then place you in a certain tax bracket, and that percentage is how much you should have paid in taxes. But this percentage can’t be known for certain until after the year is done, that’s why taxes are always filed at the beginning of the following year.

Benefits to Filing Taxes
  • You can get a tax return if you ended up paying more in taxes then you needed to based on how much you ended up making over the year.
  • You can also end up getting tax deductions for certain things like giving to charity, nonprofits, medical expenses, or if you spend personal money on your job or business.
  • You can also get tax credits for things like education or paying for childcare so you can work.

And that’s all you need to know! See? Taxes can be a dream, not a nightmare. You can also check out the IRS’s website for any other information you may need.


US Bank Personal Loan

US Bank personal loans have fixed rates and autopay discounts, but borrowers need to be US Bank members to apply. If you aren’t already a US Bank member, then check out the Check City Personal Loan where no membership is required to get all their loan benefits!

US Bank personal loans are referred to as their “Premier Loan.” You can use a US Bank personal loan to reach your financial goals, or make your personal finances a little simpler. They are used for consolidating debt, financing vacations, weddings, new appliances, car payments, home improvements, and many other major purchases. They’re a great loan option for anyone who already has a US Bank account.

US Bank Personal Loans: A Quick Look

All loan options come with their own rates, terms, and conditions. Consider these basic numbers and compare them in order to find your best loan option. US Bank offers loan amounts between $3,000 to $25,000 with APRs as low as 6.49% for borrowers with good credit.

Loan Amount: $3,000 to $25,000

Rates: 6.49% to 17.99% APR

Fees: no origination fee, but there is a prepayment penalty

Terms: 12 to 60 months (1 to 5 years)

Basically, a personal loan from US Bank is going to offer you low-interest rates and the potential to pay off your loan in a year. You also won’t need to put up collateral in order to get a personal loan from US Bank. But if you aren’t interested in becoming a US Bank member, then this might not be the best loan fit for you.

Who are US Bank Personal Loans Perfect For?

US Bank personal loans are going to be great for some borrowers, but not ideal for others. That’s why comparing loans is a good way to decide which loan is best for you. US Bank personal loans are best for loan shoppers who already have an account at US Bank or who would like to sign up for one. This is because their personal loans are only offered to existing bank members.

PROS

  • Fixed APR
  • Fixed monthly payments
  • No origination fee
  • Doesn’t require collateral

Who Should NOT Get a US Bank Personal Loan?

If you aren’t a US Bank member and you don’t plan on becoming one, then you’ll want to look elsewhere for a personal loan. You might also want to consider a different loan option if you want to pay off your loan in less than a year, since US Bank has prepayment penalty fees.

CONS

  • Prepayment penalty
  • Need to be a US Bank member
  • Smallest loan amount is $3,000

An Alternative to US Bank Personal Loans

Need an alternative to the US Bank personal loan? Well, you’ve come to the right place. With a Check City Personal Loan, you don’t have to meet any membership requirements before you can apply. Check City also offers smaller loan amounts and shorter loan terms for customers that need quick cash now. So if a US Bank personal loan isn’t the right loan for you, check out the Check City Personal Loan. It might be just what you’re looking for in a loan.

Reasons to Get a Check City Personal Loan:

US Bank personal loan review

Direct Lender. Check City is a direct lender, meaning they are the loan provider.

State Licensed Lender. Check City is a licensed lender in each state they operate in.

Fast Online Application. Check City loan applications only take a few minutes to fill out.

No Minimum Credit Requirements. Borrowers with low credit scores can still apply.

No Origination Fee. Check City won’t charge you just for starting an account.

FAST FUNDS. Visit a Check City store to apply and you can walk away with your cash today!

Shorter Loan Terms and Smaller Loan Amounts. Not everyone needs a giant loan that takes years to pay off. At Check City, you can get smaller loan amounts that are easier and faster to pay off.

How to Apply for a Check City Personal Loan

Check City has streamlined the loan application process. A personal loan application at Check City only requires a few minutes and a few items to finish the process.

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online. Would you rather apply for a loan in person? Check City provides that option too! You can also apply for a Check City Personal Loan over the phone or in the store.

Apply in the Store. By applying inside the Check City store, you can actually walk out with cash in hand in that very same visit!

Or call Check City’s Loans By Phone number: 800-404-0254 to apply with a Check City representative over the phone.

The Check City personal loan was created for everyone. Anyone can apply and get their funds FAST with our simple streamlined loan process. Don’t hesitate to give us a call, pull up our website, or visit your neighborhood’s Check City store to get your money now.

COMPARE SIMILAR PERSONAL LOAN OPTIONS

Check City Discover PNC Bank Sallie Mae US Bank
Amount $300 to $3,000 $2,500 to $35,000 $1,000 to $35,000 $3,000 to $35,000 $3,000 to $25,000
Rates lower APR than our payday loans 6.99% to 24.99% 5.99% to 25.99% 6.99% to 24.99% 6.49% to 17.99%
Fees no origination fees no origination fees, no closing costs no origination fee, no prepayment fee, no application fee, but there are late fees no origination fee and no prepayment penalty fee, but there are late fees no origination fee, but there is a prepayment penalty
Terms 6 months 36 to 84 months 36 months 36 to 60 months 12 to 60 months
Min. Credit Score none 660 high credit score n/a n/a

Don’t settle for less in a personal loan. Research the personal loan options available to you before making a choice. That way you’ll know you’re getting the best personal loan for you.


TD Bank Personal Loans

TD Bank has 4 different types of secured and unsecured personal loans but you might have a $50 origination fee. To avoid any origination fees come take out a Check City Personal Loan!

TD Bank offers an unsecured personal express loan (known as their TD Express Loan), an unsecured personal loan, an unsecured personal line of credit, and a secured personal loan. They all have slightly different terms, rates, and other details so you have a few choices when getting a personal loan from TD Bank. Their personal loans are most often used for vacations, home renovations, or debt consolidation.

TD Bank Personal Loans: A Quick Look

TD Bank offers both secured and unsecured personal loans. A secured loan means that the loan customer puts up some kind of collateral, like a savings account, while an unsecured loan doesn’t require any collateral. They also offer shorter loan terms of 12 to 60 months.

TD Bank Unsecured Personal Loan (Express Loan)

Loan Amount: $2,000 to $25,000

Rates: 6.99% to 18.99% APR

Fees: no origination or application fees

Terms: 12 to 60 months (1 to 5 years)

TD Bank Unsecured Personal Loan

Loan Amount: $2,000 to $50,000

Rates: 6.99% to 18.99% APR *fixed rate with 0.25% discount for setting up autopay

Fees: no origination or application fees

Terms: 12 to 60 months (1 to 5 years)

TD Bank Unsecured Personal Line of Credit

Loan Amount: $2,000 to $50,000

Rates: 9.75% to 14.75% APR *0.25% discount if you have a TD checking account

Fees: $25 annual fee

TD Bank Secured Personal Loan

Loan Amount: $5,000 to $50,000

Rates: 7.17% APR *variable rate that’s adjusted monthly

Fees: $50 origination fee

Terms: 12 to 60 months (1 to 5 years)

Basically, personal loans from TD Bank are best for those who already have TD bank accounts and want to enroll in autopay because they will get the most discounts. Generally, their funds take 48 hours to deposit after your application has been accepted. Customers with a 660 credit score or higher have the best chance of getting approved and getting the best rates.

Who are TD Bank Personal Loans Perfect For?

Just like every loan customer is different, every loan provider is different as well. This is why research is important whenever you’re shopping for financial services, so you can get the best rates and terms for you. TD Bank personal loans are a good option for anyone who already has a checking account with TD Bank. They’re also a good choice for anyone who needs a loan to help pay for major purchases like home repairs or debt consolidation.

PROS

  • Some loan options have fixed interest rates
  • Some loan options don’t have fees
  • Get rate discounts for having a TD Bank account
  • Get rate discounts for enrolling in autopay

Who Should NOT Get a TD Bank Personal Loan?

If your credit score is less than fair, it may be worth it to keep researching loan providers before settling with a TD Bank personal loan. They also only offer personal loans for the specific states they operate in, so if there isn’t a TD Bank in your state this option may not be available to you.

CONS

  • Takes around 48 hours for funds to drop
  • Some loan options have origination fees and annual fees
  • Need a 660 credit score or higher
  • Some loan options have variable rates that change monthly

An Alternative to TD Bank Personal Loans

Maybe a TD Bank personal loan isn’t right for you and that’s ok! There are still plenty of loan options out there for you to discover, like the Check City Personal Loan! At Check City you have the option to take out smaller loan amounts and pay them back in a matter months instead of years. If you just want some easy, quick, and secure lending, then Check City is the lender you need.

Reasons to Get a Check City Personal Loan:

TD Bank personal loan review

Direct Lender. Check City is a direct lender, meaning they handle your loan and loan application directly.

State Licensed Lender. Check City is a state licensed lender in each state they operate in.

Fast Online Application. Check City loan applications are simple and easy to fill out. They only take a matter of minutes to complete.

Low Credit? No Problem! Even if you have a low credit score you can still apply for a Check City personal loan.

No Origination Fee. Check City won’t charge you just for starting an account.

FAST FUNDS. Visit a Check City store to apply and you can walk away with your cash today!

Shorter Loan Terms and Smaller Loan Amounts. Not everyone needs a giant loan that takes years to pay off. At Check City, you can get smaller loan amounts that are easier and faster to pay off.

How to Apply for a Check City Personal Loan

All you need is a few short minutes to complete an online application for a Check City Personal Loan. You don’t need a lot to apply either! Just the listed items below:

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online. You can also apply for a Check City personal loan over the phone or in the store.

Apply in the Store. If you apply for your loan in the store, you can actually walk out with your money in that very same visit!

Or call Check City’s Loans By Phone number: 800-404-0254

The Check City personal loan was created for everyone. Anyone can apply and get their funds FAST with our simple streamlined loan process. Don’t hesitate to give us a call, pull up our website, or visit your neighborhood’s Check City store to get your money now.

COMPARE SIMILAR PERSONAL LOAN OPTIONS

Check City Citibank Citizens Bank Marcus by Goldman Sachs TD Bank Personal Loan
Amount $300 to $3,000 $2,000 to $50,000 $5,000 to $50,000 $3,500 to $40,000 $2,000 to $50,000
Rates lower APR than our payday loans 7.99% to 23.99% 6.78% to 20.88% 6.99% to 28.99% 6.99% to 18.99%
Fees no origination fees no origination fee no application fee, no annual fee, no late fee no sign-up or prepayment fees no origination or application fees
Terms 6 months 12 to 60 months 36 to 84 months 36 to 72 months 12 to 60 months
Min. Credit Score none high credit score 680 660 660

You don’t have to settle for less when it comes to your personal loan choices. There are many personal loan options available for all kinds of loan customers. You have your own loan requirements when shopping for a loan and with a little research, you can find the best personal loan for you.


Sallie Mae Personal Loan

At Sallie Mae you can get a personal loan with fixed interest rates, but these loans are by invitation only. If you haven’t been invited to take out a Sallie Mae personal loan, then look into a Check City Personal Loan where no invitation or offer code is needed to apply.

Personal Loans are loans paid in monthly installments that can be used for a variety of personal reasons. They are most commonly used for home improvements, debt consolidation, or important major purchases. There is a lot to consider when shopping for a personal loan, and we hope to make that process easier by outlining the basics of a Sallie Mae personal loan.

Sallie Mae Personal Loans: A Quick Look

The personal loans at Sallie Mae offer fixed interest rates with a narrow range of loan amounts and terms. The main thing to remember with Sallie Mae personal loans is that you need a personal offer code to apply.

Loan Amount: $3,000 to $35,000

Rates: 6.99% to 24.99% APR

Fees: no origination fee and no prepayment penalty fee, but there are late fees

Terms: 36 to 60 months (3 to 5 years)

Basically, a personal loan from Sallie Mae is the best option for anyone who has already received an invitation from Sallie Mae to apply for a personal loan from them. If you don’t have an offer code from Sallie Mae then you can’t apply for one of their loans. Otherwise, a Sallie Mae personal loan is a worthwhile option with fixed interest rates and almost no fees.

Who are Sallie Mae Personal Loans Perfect For?

Not all loans will work for everyone, which is why loan research is so important when shopping for the best loan fit for you. Sallie Mae personal loans will work best for anyone that’s received a personal offer code from them. You have to have this personal offer code in order to apply for a Sallie Mae personal loan. Once you have your own invitation their loans are best used for debt consolidation, major expenses, and major life events like weddings.

PROS

  • Fixed interest rates
  • No origination fee or prepayment penalties
  • Get funds as soon as the next business day

Who Should NOT Get a Sallie Mae Personal Loan?

If you don’t have an offer code from Sallie Mae then you can’t get a personal loan from them. But even if you do have a personal invitation to apply for their loans, you should still take a moment to consider your options. Sallie Mae personal loans don’t offer a very wide range of loan terms or amounts, so if these numbers don’t match your loan needs you may need to keep looking.

CONS

  • You need an invitation to apply
  • There are fees for late payments
  • They offer a narrow loan amount range
  • They don’t have many payment term options

An Alternative to Sallie Mae Personal Loans

If you can’t get a Sallie Mae personal loan don’t be discouraged. There are plenty of other loan alternatives out there that don’t require invitation codes in order to apply. Like the Check City Personal Loan! At Check City, you have the option to take out smaller loan amounts and pay them back in a matter of months instead of years.

Reasons to Get a Check City Personal Loan:

sallie mae personal loan review

Direct Lending. Check City lends loans directly so you don’t have to deal with third-parties to get your money.

State Licensed Lending. Check City is a licensed lender in each state they operate in.

Fast Application. Check City loan applications are quick and easy to fill out. You can be done in a matter of minutes.

Low Credit? No Problem! Even if you have a low credit score you can still apply for a Check City personal loan.

No Origination Fee. Check City won’t charge you just for starting an account.

FAST FUNDS. Visit a Check City store to apply and you can walk away with your cash today!

Shorter Loan Terms and Smaller Loans. Not everyone needs a giant loan that takes years to pay off. At Check City, you can get smaller loan amounts that are easier and faster to pay off.

How to Apply for a Check City Personal Loan

All you need is a few short minutes to complete an online application at Check City. You don’t need a lot to apply either! Just the listed items below:

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online. You can also apply for a Check City personal loan over the phone or in the store.

Apply in the Store. If you apply for your loan in the store, you can actually walk out with your money in that very same visit!

Or call Check City’s Loans By Phone number: 800-404-0254

The Check City personal loan was created for everyone. Anyone can apply and get their funds FAST with our simple streamlined loan process. Don’t hesitate to give us a call, pull up our website, or visit your neighborhood’s Check City store to get your money now.

COMPARE SIMILAR PERSONAL LOAN OPTIONS

Check City American Express PNC Bank Marcus by Goldman Sachs Sallie Mae
Amount $300 to $3,000 $3,500 to $40,000 $1,000 to $35,000 $3,500 to $40,000 $3,000 to $35,000
Rates lower APR than our payday loans 6.90% to 19.98% 5.99% to 25.99% 6.99% to 28.99% 6.99% to 24.99%
Fees no origination fees no origination fee, there are late fees no origination fee, no prepayment fee, no application fee, but there are late fees no sign-up or prepayment fees no origination fee and no prepayment penalty fee, but there are late fees
Terms 6 months 12 to 48 months 36 months 36 to 72 months 36 to 60 months
Min. Credit Score none 660 high credit score 660 n/a

You don’t have to settle for less when it comes to your personal loan choices. There are many personal loan options available for all kinds of loan customers. You have your own loan requirements when shopping for a loan and with a little research, you can find the best personal loan for you.


Citizens Bank Personal Loan

Citizens Bank has personal loans with 36 to 84 month terms. But if you need a personal loan with a shorter term, Check City Personal Loans might be what you’re looking for.

Personal Loans are loans paid in monthly installments that can be used for a variety of personal reasons. They are most commonly used for home improvements, debt consolidation, or other major expenses. There are many personal loan providers available, and they all offer different pros, cons, and loan requirements.

We hope to make your personal loan shopping go a little easier by comparing different personal loans in one place. Here we’ve gone over all the most important basics about Citizens Bank personal loans.

Citizens Bank Personal Loans: A Quick Look

Citizens Bank has interest rates that range from 6.78% to 20.88% APR. They also offer larger loans starting at $5,000 to $50,000 and these loans are paid off in 36 to 84 month terms. That’s 3 to 7 years of paying off that loan. Citizens Bank also pulls a hard credit report inquiry when you apply, which may impact your credit score. They don’t have a specific minimum credit score requirement, but their loan borrowers generally have strong credit histories with higher credit scores of 680 or more.

Loan Amount: $5,000 to $50,000

Rates: 6.78% to 20.88% APR

Fees: No application fee, no annual fee, no late fee

Terms: 36 to 84 months (3 to 7 years)

Basically, a personal loan from Citizens Bank is the best option for anyone who already has a Citizens Bank account, and has a great credit score. If you are already a Citizens Bank member than your personal loan with them can qualify for a loyalty discount rate. They also offer automatic payment discounts for loan customers that can afford automatic withdrawals.

Who are Citizens Bank Personal Loans Perfect For?

Citizens Bank personal loans are going to be perfect for some personal loan shoppers and imperfect for others. Citizens Bank can offer loan customers many important things. They have zero fees, which takes away a lot of the hassle around loan borrowing. They have large loan amounts that can fit the needs of those who need a lot of funds for big expenses. They also offer 0.25% points off with both their Loyalty Discount and their Automatic Payment Benefit.

  • If you have a high credit score and a strong credit history
  • If you plan on using autopay
  • If your credit score can withstand a hard credit pull application
  • If you need a large loan amount of $5,000 or more
  • If you are already a member of Citizens Bank

Who Should NOT Get a Citizens Bank Personal Loan?

Some loan shoppers should not get a personal loan from Citizens Bank and should instead keep looking for their perfect loan. If you have an average or low credit score then Citizens Bank might not be the right choice for you. Their application process includes a hard credit pull so you want to know that your application’s chance of acceptance is good before risking your already low credit score. They also don’t offer small or short-term loans, so you’re going to be paying off a Citizens Bank personal loan for at least the next 3 years.

  • If you have an average or low credit score
  • If you are often late with payments
  • If you can’t sign up for automatic payments
  • If you need a small, short-term loan
  • If you aren’t already a Citizens Bank member

An Alternative to Citizens Bank Personal Loans

If the above description has to do with you then you might want to consider an alternative to Citizens Bank personal loans. Maybe you have a low credit score or maybe you just want a simpler, smaller personal loan. If this sounds like you then you might want to consider a Check City Personal Loan. Check City Personal Loans don’t require you to have a high credit score to apply and we offer smaller personal loans that you can pay back in just 6 months! So you don’t have to get locked into a multiple-year commitment just to get the fast funds you need.

Reasons to Get a Check City Personal Loan:

citizens bank personal loan review

Check City is a direct lender. We don’t just direct you to real loan providers, we are the loan provider.

Check City is a state licensed lender. Whatever state you’re in, you can rest assured that we’re doing everything by the book.

Our application process is quick and simple. Our loan application is easy to fill out and we won’t pull a traditional credit report when you apply.

Low credit? No problem! Even if you have a low credit score you can still apply for a Check City personal loan.

We have no origination fees.

Get cash TODAY. By visiting a Check City store you can apply for a loan and get your money all in the same day!

Shorter loan terms and smaller loans. Not everyone needs a giant loan that they’ll have to finance for the next couple of years. Check City offers small loans that you can pay back in as little as 6 months.

How to Apply for a Check City Personal Loan

The Personal Loan Application at Check City only takes a few short minutes to complete. There’s a short list of things you’ll need to fill out the application, and you can complete this quick loan application process online, in stores, or over the phone.

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online. You can also apply for a Check City personal loan over the phone or in the store.

Apply in the Store. If you apply for your loan in the store, you can actually walk out with your money in that very same visit!

Or call Check City’s Loans By Phone number: 800-404-0254

The Check City Personal Loan was created for everyone. Anyone can apply and get their funds FAST with our simple streamlined loan process. Don’t hesitate to give us a call, pull up our website, or visit your neighborhood’s Check City store to get your money now.

COMPARE SIMILAR LOAN OPTIONS

Check City Personal Loans Wells Fargo Personal Loan Chase Personal Loan SoFi Personal Loan Citizens Bank Personal Loan
Amount $300 to $3,000 $3,000 to $100,000 $4,000 to $600,000 $5,000 to $100,000 $5,000 to $50,000
Rates lower APR than our payday loans 5.49% to 22.99% depends 5.99% to 20.01% 6.78% to 20.88%
Fees no origination fees no origination fees, no prepayment penalties depends no fees no application fee, no annual fee, no late fee
Terms 6 months 12 to 84 months 12 to 84 months 24 to 84 months 36 to 84 months
Min. Credit Score none 600 high credit score 680 high credit score

You don’t have to settle for less when it comes to your personal loan choices. There are many personal loan options available for all kinds of loan customers. You have your own loan requirements when shopping for a loan and with a little research, you can find the best personal loan for you.


PNC Bank Personal Loan

With PNC online banking you can get a Personal Loan from $1,000 up to $35,000, but if you need a smaller loan with a shorter loan term, then you should check out the Check City Personal Loan.

Personal loans can be used for a variety of personal reasons. From home improvements to debt consolidation they can be used for almost anything. But not all personal loans are created equal. There are many benefits and disadvantages to consider with each loan provider you research. Every loan provider has their own interest rates and terms to think about. We hope to make that process a little easier by helping you easily compare different personal loans in one convenient location.

PNC Bank Personal Loans: A Quick Look

PNC personal banking offers fixed rates that range from 5.99% to 25.99% APR. But if you don’t have a great credit score your APR could end up being higher. You can take out loan amounts from $1,000 to $35,000 with no collateral required for their unsecured personal loans. Your credit score is also subject to approval and the best credit will get the lowest rates.

Loan Amount: $1,000 to $35,000

Rates: 5.99% to 25.99% APR

Fees: No origination fee, no prepayment penalty, no application fee, but there is a late fee for late payments

Terms: 36 months

Basically, getting a personal loan from PNC Bank is a great idea if you have good credit. A higher credit score will get you better rates and won’t be as affected by a hard credit pull during the application process. They’re also a great loan provider for anyone looking to get a loan amount of $1,000 or higher.

Who are PNC Bank Personal Loans Perfect For?

PNC Bank personal loans are perfect for anyone needing a loan of $1,000 or more. They also offer fixed rates and the best rates will go to those with high credit scores. Personal loans at PNC bank are also a good choice for anyone planning to use autopay to make their loan payments because they offer discounts for using autopay.

  • If you have a high credit score
  • If you plan on using autopay
  • If you’re credit can withstand a hard credit pull application
  • If you need a larger personal loan

Who Should NOT Get a PNC Bank Personal Loan?

There are a few reasons why PNC personal banking might not be for you. If you don’t have a good credit score then there’s a chance the PNC bank personal loan application might lower your credit score even further with a hard credit report pull.

You might also want to consider a more forgiving loan provider if you are frequently late in your monthly loan payments. The one fee that PNC bank has is for late monthly payments.

  • If you have a low credit score
  • If you are often late with payments
  • If you need a small, short-term loan

An Alternative to PNC Bank Personal Loans

If a PNC Bank personal loan isn’t right for you, don’t worry, there are many other loan providers out there for you to choose from. Whether you have a low credit score, or just want a smaller, more short-term loan, Check City personal loans could be the loan you’re looking for. You can quickly and easily take out a personal loan with Check City, where you can still apply even if you have a low credit score, because we don’t pull a traditional credit report.

Reasons to Get a Check City Personal Loan

personal loan

Check City is a direct lender. We don’t just direct you to real loan providers, we are the loan provider.

Check City is a state licensed lender. Whatever state you’re in, you can rest assured that we’re doing everything by the book.

Our application process is quick and simple. Our loan application is easy to fill out and we won’t pull a traditional credit report when you apply.

Low credit? No problem! Even if you have a low credit score you can still apply for a Check City personal loan.

We have no origination fees.

Get cash TODAY. By visiting a Check City store you can apply for a loan and get your money all on the same day!

Shorter loan terms and smaller loans. Not everyone needs a giant loan that they’ll have to finance for the next couple of years. Check City offers small loans that you can pay back in as little as 6 months.

How to Apply for a Check City Personal Loan

It doesn’t take long to apply for a Check City personal loan. In fact, it only takes a couple of minutes! Just visit our online Personal Loan Page and fill out the short application form.

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online. You can also apply for a Check City personal loan over the phone or in the store.

Apply in the Store. If you apply for your loan in the store, you can actually walk out with your money in that very same visit!

Or call Check City’s Loans By Phone number: 800-404-0254

If this personal loan option sounds right for you, don’t hesitate to give us a call, visit our website, or visit our stores and get your funds now.

COMPARE SIMILAR LOAN OPTIONS

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

USAA Personal Loan PNC Bank Personal Loan
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $2,500 to $50,000 $1,000 to $35,000
Rates lower APR than our payday loans 6.99% to 24.99% 5.49% to 22.99% 8.99% to 18.00% 5.99% to 25.99%
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties no origination, application, or prepayment fees no origination fee, no prepayment fee, no application fee, but there are late fees
Terms 6 months 36 to 84 months 12 to 84 months 12 to 84 months 36 months
Min. Credit Score none 660 600 high credit score high credit score

There are many personal loan providers out there to choose from and they all come with their own pros and cons. But as a loan customer, you also have loan requirements to remember when you’re shopping for a loan. Don’t settle for less when it comes to your personal loan and find the right fit for you.


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