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Citibank Personal Loan

Citibank offers large personal loans up to $50,000 with payments term options from 12 to 60 months. But Citibank loans also come with income and membership requirements. If you don’t meet these qualifications then check out the no nonsense Check City Personal Loan!

One of the best reasons to get a personal loan is to consolidate debts into one single monthly payment. Many times consolidating debt can even lead to lower interest rates that save you money in the long term. Personal loans can also be used to help with home improvements and other major expenses. All personal loans come with their own benefits and drawbacks, so it’s important to do your research on different loans in order to figure out which loan provider is the best fit for you and your needs.

Citibank Personal Loans: A Quick Look

A Citibank personal loan can be anywhere from $2,000 to $50,000 with an APR range between 7.99% and 23.99%. Citibank personal loans have no origination fees and offer fixed rates so customers can know for sure what they pay. They also offer flexible loan terms between 1 to 5 years. Citibank personal loans are most commonly used to consolidate debts, make home improvements, and pay other large expenses.

Maximum Personal Loan: $50,000

Minimum Personal Loan: $2,000

Rates: 7.99% to 23.99% APR

Fees: no origination fee

Terms: 12, 24, 36, 48, and 60 month terms (1 to 5 years)

When: receive a check in the mail in 5 business days

Basically, Citibank is a great loan provider for anyone who already has a bank account with Citibank. You also need to make at least $10,500 a year in order to qualify for their personal loans and there are some restrictions to keep in mind if you want to take out more than one loan from them. Their loans can be used for a number of larger, personal expenses.

Who are Citibank Personal Loans Perfect For?

A personal loan from Citibank is a great loan option for those with good to excellent credit since applicants with the best credit will get the best interest rates. They can be used for many personal reasons but are the most useful for anyone looking to consolidate high interest debts or finance home projects. If this is the kind of loan you’re looking for, and you match the qualities listed below, then a personal loan from Citibank may be perfect for you.

  • If you have a good or excellent credit score
  • If you need a large loan amount
  • If you already have an account with Citibank
  • If you can wait 5 business days for your funds
  • If you make at least $10,500 a year

Who Should NOT Get a Citibank Personal Loan?

If you have a poor credit score then a Citibank personal loan might not be the best loan option for you. Only applications with excellent credit are able to qualify for the best interest rates. So if you have a poor credit score then you may want to think about getting a personal loan with Check City instead. Below are some other reasons to consider a different loan provider.

  • If you need a small loan
  • If you want to pay off the loan in a few months
  • If you have a low credit score
  • If you want your funds today
  • If you make less than $10,500 a year
  • If you don’t already have an account with Citibank
Citibank Personal Loans Pros and Cons List
Pros Cons
No origination fee Need excellent credit to qualify for lower rates
Get lower rates by using Auto Deduct The check takes 5 days to mail
Get points by using your Citibank checking account Need to be an existing bank account holder
You can only apply online for loans $30,000 and under

An Alternative to Citibank Personal Loans

The Citibank personal loan may not meet your requirements as a loan customer and that’s ok. Everyone has different financial needs when it comes to the terms of a personal loan. If your credit score doesn’t qualify you for a Citibank personal loan, or if you just want a smaller, quicker, short-term loan, then Check City has what you’re looking for.

Reasons to Get a Check City Personal Loan:

personal loan review

  • We’re a direct lender: Check city doesn’t direct you to lenders, we are the lender.
  • We’re a state licensed lender: Check City offers the safety, security, and trust of a state licensed lender.
  • Loan applications are quick and simple
  • Bad credit scores can still apply
  • No origination fees
  • Get your loan TODAY
  • You can pay back your loan in just 6 months
How to Apply for a Check City Personal Loan

Applying for a Check City personal loan is fast and easy. All you have to do to apply online is go to our Personal Loans Page and fill out the application form. It only takes a few minutes!

If you don’t want to apply online then there are two other application options you can choose from. You can visit your local Check City store and apply in person, or you can call a Check City representative with the Loans By Phone number listed below and apply 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.

Apply in the Store.

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

Applying for a Check City Personal Loan online is fast and incredibly easy to do, but if you want your loan money even sooner, you can apply in person at a Check City store and walk out with your cash TODAY!

Check City personal loans are perfect for anyone who needs a fast, small loan that you can pay off in a few short months instead of years. It’s also a great loan option for anyone with bad credit who can’t afford the credit score hit of a traditional credit report. If the Check City personal loan sounds right for you, don’t hesitate to give us a call, visit our website, or visit our stores and GET CASH NOW.

COMPARE SIMILAR LOAN OPTIONS

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

USAA Personal Loan Citibank Personal Loan
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $2,500 to $50,000 $2,000 to $50,000
Rates lower APR than our payday loans 6.99% to 24.99% 5.49% to 22.99% 8.99% to 18.00% 7.99% to 23.99%
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
Terms 6 months 36 to 84 months 12 to 84 months 12 to 84 months 12 to 60 months
Min. Credit Score none 660 600 high credit score high credit score

 

All loans come with a set of requirements in order for loan customers to qualify. But loan customers also have requirements for the perfect loan. Every customer needs something different in a personal loan, which is why loan review articles like this one are so helpful. You’ll need to do a little research about different loans if you want to find the best personal loan for you.

 
READ MORE
Learn more about the usefulness of loans, “The Usefulness of Loans from Large to Small.”

Budget like a boss by reading, “Budgeting in 4 Easy Steps.”

Marcus by Goldman Sachs Personal Loan

Marcus by Goldman Sachs offers large personal loans up to $40,000, but if you don’t have a minimum credit score of 660 then you might want to check out the Check City Personal Loan where low credit score holders can still apply!

One of the best reasons to get a personal loan is to consolidate debts into one single monthly payment. Many times consolidating debt can even lead to lower interest rates that save you money in the long term. But not all personal loans work well for this purpose, so it’s important to do your research on different loans in order to figure out which loan provider is the best fit for you.

Marcus Personal Loans: A Quick Look

A Marcus by Goldman Sachs personal loan can be anywhere from $3,500 to $40,000 with an APR range between 6.99% and 28.99%. Marcus personal loans have no fees and offer fixed rates and terms so customers can know for sure what they pay and when they pay. They also offer flexible loan terms from 3 to 6 years. Marcus personal loans are most commonly used to consolidate debts and multiple balances into one.

Maximum Personal Loan: $40,000

Minimum Personal Loan: $3,500

Rates: 6.99% to 28.99% APR

Fees: no fees

Terms: 36 to 72 months (3 to 6 years)

When: receive funds in 5 business days

Basically, Marcus by Goldman Sachs is a great place to go when you want to consolidate high interest debts into a lower interest personal loan. Marcus personal loans can also be used for other personal reasons, like budgeting for a wedding, home improvements or repairs, moving costs, and vacations.

Who are Marcus Personal Loans Perfect For?

A personal loan from Marcus by Goldman Sachs is a great loan option for those with good or excellent credit. They can be used for many personal reasons but are the most useful for anyone looking to consolidate high interest debts into one, low-interest payment. If this is the kind of loan you’re looking for, and you match the qualities listed below, then a personal loan from Marcus by Goldman Sachs may be perfect for you.

  • If you have a good or excellent credit score
  • If you need a large loan amount
  • If you want a longer loan term
  • If you can wait 5 business days for your funds

Who Should NOT Get a Marcus Personal Loan?

If you don’t have a good credit score then a Marcus personal loan may not be the best loan option for you. Only applications with excellent credit are able to qualify for the best interest rates and loan terms. So if you have a poor credit score then you may want to think about getting a personal loan with Check City instead. Below are some other reasons to consider a different loan provider.

  • If you need a small loan
  • If you want to finish paying back the loan in a few months
  • If you have a low credit score
  • If you want your funds today
Marcus Personal Loans Pros and Cons List
Pros Cons
No fees No small loan options
Low interest rates Need excellent credit to qualify for lower rates
Rewards for on-time payments Funds take 5 days to reach your bank account

An Alternative to Marcus Personal Loans

The Marcus personal loan may not meet your requirements as a loan customer and that’s ok. Everyone has different financial needs when it comes to the terms of a personal loan. If your credit score doesn’t qualify you for a Marcus personal loan, or if you just want a smaller, quicker, short term loan, then Check City has what you’re looking for.

Reasons to Get a Check City Personal Loan:

personal loan review

  • We’re a direct lender: Check city doesn’t direct you to lenders, we are the lender.
  • We’re a state licensed lender: Check City offers the safety, security, and trust of a state licensed lender.
  • Loan applications are quick and simple
  • Those with bad credit scores can still apply
  • No origination fees
  • Get your loan TODAY
  • You can pay back your loan in just 6 months
How to Apply for a Check City Personal Loan

Applying for a Check City personal loan is fast and easy. All you have to do to apply online is go to our Personal Loans Page and fill out the application form. It only takes a few minutes!

If you don’t want to apply online then there are two other application options you can choose from. You can visit your local Check City store and apply in person, or you can call a Check City representative with the Loans By Phone number listed below and apply 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.

Apply in the Store.

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

Applying for a Check City Personal Loan online is fast and incredibly easy to do, but if you want your money even sooner, you can apply in person at a Check City store and walk out with your cash TODAY!

Check City personal loans are perfect for anyone who needs a fast, small loan that you can pay off in a few short months instead of years. It’s also a great loan option for anyone with bad credit who can’t afford the credit score hit of a traditional credit report. If the Check City personal loan sounds right for you, don’t hesitate to give us a call, visit our website, or visit our stores and GET CASH NOW.

LOAN COMPARISON CHART

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

SoFi Personal Loans American Express Personal Loans USAA Personal Loan Marcus Personal Loan
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $5,000 to $100,000 $3,500 to $40,000 $2,500 to $50,000 $3,500 to $40,000
Rates lower APR than our payday loans 6.99% to 24.99% 5.49% to 22.99% 5.99% to 20.01% 6.90% to 19.98% 8.99% to 18.00% 6.99% to 28.99%
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties no fees no origination fee, there are late fees no origination, application, or prepayment fees no sign-up or prepayment fees
Terms 6 months 36 to 84 months 12 to 84 months 24 to 84 months 12 to 48 months 12 to 84 months 36 to 72 months
Min. Credit Score none 660 600 680 660 high credit score 660

 

All loans come with a set of requirements in order for loan customers to qualify. But loan customers also have requirements for the perfect loan. Every customer needs something different in a personal loan, which is why loan review articles like this one are so helpful. You’ll need to do a little research about different loans if you want to find the best personal loan for you.

 
READ MORE
Learn more about the usefulness of loans, “The Usefulness of Loans from Large to Small.”

Budget like a boss by reading, “Budgeting in 4 Easy Steps.”

American Express Personal Loan

American Express offers Personal Loans up to $40,000, but are only available to existing members. If you want a more flexible and inclusive loan then you might want to try the Check City Personal Loan, where you don’t need a card membership to apply.

Shopping for a loan can be a hassle. There are so many pros and cons to consider, from the minimum required credit scores to APR ranges. We’re here to make your loan research a little easier as we go over personal loan options near you. That way you can weight the costs and benefits of different loans in one spot and find the personal loan that best suits your personal needs.

American Express Personal Loans: A Quick Look

With an American Express membership card you can take out a personal loan from $3,500 to $40,000 and get an APR anywhere between 6.90% and 19.98%. They also don’t have origination fees, but they do have late fees for when you’re late on payments. These loans come with a shorter loan term of 1 to 4 years and you can expect to receive your funds in 1 to 7 business days after your application gets approved.

Maximum Personal Loan: $40,000

Minimum Personal Loan: $3,500

Rates: 6.90% to 19.98% APR

Fees: no origination fee, there are late fees

Terms: 12 to 48 months (1 to 4 years)

When: 1 to 7 business days

Basically, the American Express personal loan is a large loan that you pay off in a few short years. They’re generally used for home improvement, weddings, the costs of moving, or traveling. You can also use their personal loans to consolidate debts with higher interest rates. The only catch is that you’ll need to be an American Express card holder in order to even apply, so if you aren’t already affiliated with American Express you may want to look elsewhere for your loan where a membership isn’t required.

Who are American Express Personal Loans Perfect For?

A personal loan from American Express is perfect for anyone in need of a large loan that they don’t want to be paying back for more than 4 years. The American Express personal loan is most perfect for loan customers who already have an American Express card. If you’re already an American Express customer and the below items also represent your needs, then the American Express personal loan may be the perfect loan for you.

  • If you have a good credit score
  • If you need a large loan amount
  • If you want to finish paying off the loan in 4 years
  • If you already have an American Express account

Who Should NOT Get an American Express Personal Loan?

If the items mentioned in the previous section don’t apply to you then don’t worry—there are other loan options out there. Maybe you’re looking for an even smaller personal loan that you can pay off in a matter of months instead of years. If you find yourself in this category of loan customer then you should consider Check City for your flexible personal loan provider.

  • If you want a small loan
  • If you want to pay back the loan in 6 months
  • If you don’t already have an American Express account
  • If you need a personal loan today
American Express Personal Loans Pros and Cons List
Pros Cons
You can get a decision on your application in seconds You must be a cardholder to apply
The application doesn’t affect your credit score You must be preapproved to apply
They have no origination fees They do charge late payment fees

An Alternative to American Express Personal Loans

If an American Express personal loan doesn’t meet your requirements as a loan customer then you need to take a look at the Check City personal loan! It might be exactly what you’re looking for.

Reasons to Get a Check City Personal Loan:

american express personal loan

  • The straightforward service of a direct lender
  • The safety of a state licensed lender
  • A fast and easy application process
  • You don’t need a high credit score to apply
  • There are no origination fees
  • You can get your loan TODAY
  • You can pay back your loan in as little as 6 months
How to Apply for a Check City Personal Loan

The Check City Personal Loan has a fast and simple application process. All you have to do is visit the Check City Personal Loan Page. From there you can finish your loan application in just a few minutes. You can also apply for a Check City personal loan inside any of our stores, or by calling a Check City representative to apply 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.

Apply in the Store.

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

Applying for a personal loan from Check City is fast, easy, and anyone can apply. So you don’t need to already be a Check City customer and you don’t need to have a high credit score to apply. Check City also offers multiple ways to apply for your loan. You can apply online, over the phone, or at any Check City location. You only need a few things to apply and Check City personal loan applications only take a few minutes.

LOAN COMPARISON CHART

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

SoFi Personal Loans American Express Personal Loans
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $5,000 to $100,000 $3,500 to $40,000
Rates lower APR than our payday loans 6.99% to 24.99% APR 5.49% to 22.99% APR 5.99% to 20.01% APR 6.90% to 19.98%
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties no fees no origination fee, there are late fees
Terms 6 months 36 to 84 months (3 to 7 years) 12 to 84 months (1 to 7 years) 24 to 84 months 12 to 48 months (1 to 4 years)
Min. Credit Score Check City doesn’t pull a traditional credit check, and if you have a low credit score you can still apply for a Check City personal loan 660 600 680 660

 

Personal loans come with requirements and so do you! You need a personal loan that works best for you and your needs which is why you’re researching loan providers before making a choice. Everyone is looking for something different in a personal loan; like the ability to refinance the loan later, or the ability to get the loan right away. You can find all these key features with a Check City Personal Loan!

 

READ MORE
Learn more about the usefulness of loans, “The Usefulness of Loans from Large to Small.”

Budget like a boss by reading, “Budgeting in 4 Easy Steps.”

SoFi Personal Loan

SoFi offers Personal Loans up to $100,000, but only to those with a $45,000 annual income and 680 Credit Score. If you need a Smaller, more Flexible Personal Loan than the Check City Personal Loan might be right for you!

Loans comes with their own requirements and so do you as a loan customer! Every loan is going to come with different costs and benefits, so it’s important to do a bit of loan shopping and research before you make your final choice. That way you can get the loan that makes the most sense for your own personal needs.

SoFi Personal Loans: A Quick Look

A personal loan from SoFi can be anywhere from $5,000 to $100,000 with an APR range between 5.99% and 20.01%. SoFi personal loans don’t have any fees outside of their interest rates and you can pay back your loan in 2 to 7 years. SoFi even offers personal loans for students to refinance their college debts.

Maximum Personal Loan: $100,000

Minimum Personal Loan: $5,000

Rates: 5.99% to 20.01% APR

Fees: no origination fee, no prepayment fee, no late fees

Terms: 24 to 84 months (2 to 7 years)

When: 1 to 7 business days

Basically, the SoFi personal loan is a larger loan with a longer payment term. The Sofi personal loan is most commonly used to pay off credit cards, invest in home improvements, moving costs, medical bills, student loans, and other larger purchases. They also offer a fixed payment plan.

Who are SoFi Personal Loans Perfect For?

The SoFi personal loan is great if you need to consolidate large debts with high interest rates. It’s also a good loan if you need a larger loan for things like major home improvements or college tuition. If you need a much larger loan and you meet the below requirements, then this loan may be perfect for you.

  • If you have a credit score of 680 or higher
  • If you need a large loan amount
  • If you want a longer loan term
  • If you already have a SoFi account

Who Should NOT Get a SoFi Personal Loan?

If the items mentioned above don’t work for you, or you just need a quicker, smaller loan then the perfect loan option for you is still out there. If the items listed below better suit your loan wants and needs then you might want to consider coming to Check City as your personal loan provider.

  • If you need a smaller loan
  • If you want to finish paying back the loan in 6 months
  • If you don’t already have a SoFi account
  • If you need funds fast
  • If your credit score can’t afford a hard credit pull
SoFi Personal Loans Pros and Cons List
Pros Cons
Fixed rates and monthly payments Hard credit pull that will affect your credit score
You can get a larger loan up to $100,000 You need a 680 credit score or higher
They have zero fees for their loans Can take up to 7 business days to receive funds
Need an annual income of at least $45,000

An Alternative to SoFi Personal Loans

Check City offers a unique loan solution than other loan providers. SoFi personal loans may not meet your requirements as a loan customer and in that case you can check out the Check City personal loan! It might be exactly what you’re looking for.

Reasons to Get a Check City Personal Loan:

sofi personal loan

  • The straightforward service of a direct lender
  • The safety of a state licensed lender
  • A fast and easy application process
  • You don’t need a high credit score to apply
  • There are no origination fees
  • You don’t have to wait, you can get your loan TODAY
  • You can pay back your loan in as little as 6 months
How to Apply for a Check City Personal Loan

The Check City Personal Loan application is fast and easy to do. All you have to do is visit the Check City Personal Loan Page. From there you can quickly fill out the application on the side of that webpage. You can also find a nearby Check City store to apply or give us a call to apply over the phone if either of those options works better for you.

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.

Apply in the Store.

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

The online application for a Check City Personal Loan is incredibly easy to do, but if you want your funds even sooner, you can apply in the store and get your personal loan funds the SAME DAY! Our personal loans work well for anyone who needs a fast, small loan that you can finish paying off in just 6 months rather than years.

Check City Personal Loans are also a helpful option for anyone with a low credit score, or who can’t afford a hard pull on their credit score right now, because we don’t pull a traditional credit report when processing a loan application. 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.

LOAN COMPARISON CHART

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

Chase Auto Loans Bank of America Auto Loans Capital One Auto Loan SoFi Personal Loans
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $4,000 to $600,000 min. $7,500 min. $4,000 $5,000 to $100,000
Rates lower APR than our payday loans 6.99% to 24.99% APR 5.49% to 22.99% APR depends min. 2.99% to 5.99% depends 5.99% to 20.01% APR
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties depends no application fee depends no fees
Terms 6 months 36 to 84 months (3 to 7 years) 12 to 84 months (1 to 7 years) 12 to 84 months 60 months depending 24 to 84 months 24 to 84 months
Min. Credit Score Check City doesn’t pull a traditional credit check, and if you have a low credit score you can still apply for a Check City personal loan 660 600 high credit score subject to credit approval subject to credit approval 680

 

When you think of loans you often think about the requirements you need to meet in order for your application to get approved. But you have loan requirements too! Everyone is looking for something different in a personal loan, like the ability to refinance the loan later, or the ability to get the loan right away. You can find all these key qualities with a Check City Personal Loan!

Whatever your own personal loan requirements might be, you should always study up on what features each loan provides before making a choice.

 
READ MORE
Learn more about the usefulness of loans, “The Usefulness of Loans from Large to Small.”

Budget like a boss by reading, “Budgeting in 4 Easy Steps.”

Wells Fargo Personal Loan

Wells Fargo offers Personal Loans up to $100,000. But if you don’t have a 600 Credit Score and you aren’t already a Wells Fargo customer is it the right loan for you?

Not all loans are created equal. Each loan has their own features and requirements. That is why it’s important to do a bit of research while you’re shopping for loans before you pick one, so you get the loan that makes the most sense for your own personal needs.

Wells Fargo Personal Loans: A Quick Look

Wells Fargo offers personal loans from $3,000 to $100,000 with an APR range from 5.49% to 22.99% with no origination fees or prepayment penalties. They also offer a wide range of payback periods from as little as 12 months up to 84 months. They also offer special benefits for loan customers that already have a Wells Fargo account.

Maximum Personal Loan: $100,000

Minimum Personal Loan: $3,000

Rates: 5.49% to 22.99% APR

Fees: There are no origination fees or prepayment penalties

Terms: 12 to 84 months (1 to 7 years)

When: The next business day, if your loan is approved.

Basically, the Wells Fargo personal loan is a larger loan with a short or long-term payment plan. This loan is often used to consolidate debts, to make a large purchase (like home improvements), or to cover emergency expenses. They also offer a competitive fixed rate, fixed term, and fixed monthly payments. Their loans also don’t require collateral.

Who are Wells Fargo Personal Loans Perfect For?

The Wells Fargo personal loan is great if you need to consolidate heavy debts with high interest rates. It’s also a good loan if you need a larger loan for things like major home improvements or college tuition. If you need a much larger loan and you meet the below requirements, then this loan may be perfect for you.

  • If you have a credit score of 600 or higher
  • If you need a large loan amount
  • If you need to consolidate larger debt amounts
  • If you need to make larger purchases
  • If you already have a Wells Fargo account

Who Should NOT Get a Wells Fargo Personal Loan?

If you don’t meet the above requirements, or you’re just looking for a quicker, smaller personal loan, then you may want to keep shopping for your perfect loan. If any of the listed items below represent you, then you should consider a different personal loan provider.

  • If you need a smaller loan
  • If you want to pay back the loan in less than a year
  • If you don’t already have a Wells Fargo account
  • If you need your loan quickly, or that same day
  • If you have a low credit score
  • If your credit score can’t afford a hard credit pull application
Wells Fargo Personal Loans Pros and Cons List

Though personal loans with Wells Fargo may be a great option for some, there are some reasons they may not be the best loan fit for others.

Pros Cons
You can get a really large loan of up to $100,000 You can’t get a small loan of less than $3,000
They offer secure loans Their secure loans have a $75 origination fee
There are no origination fees or prepayment penalties You need a credit score of at least 600
Their loan application involves a heavy credit score check
The application requires a lot of information

An Alternative to Wells Fargo Personal Loans

Check City offers a different kind of personal loan. So if the features and requirements present in a Wells Fargo personal loan don’t work for you, a Check City personal loan might be your answer.

check city personal loan

Reasons to Get a Check City Personal Loan
  • Check City is a direct lender
  • Check City is also a state licensed lender
  • The application process is quick and simple
  • You don’t need a high credit score to apply
  • There are no origination fees
  • You can get your loan TODAY
How to Apply for a Check City Personal Loan

Check City personal loans are incredibly easy to use. Just visit the Check City Personal Loan Page and you can quickly apply for your loan online, at a nearby Check City store, or even over the phone!

All you need to apply for the loan is:

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

Apply for a Check City Loan Online by clicking HERE.

Find a conveniently located Check City Store by clicking HERE.

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

Check City personal loans have a fast and easy process, and if you go into a Check City store to apply, you can actually walk out with your personal loan funds that very same day! Check City personal loans are great for loan customers that need a quick, easy to use, smaller personal loan that they can pay back in a matter of months instead of years. They’re also a great loan option for customers with lower credit scores since Check City doesn’t pull a traditional credit report when processing your application.

LOAN COMPARISON CHART

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000
Rates lower APR than our payday loans 6.99% to 24.99% APR 5.49% to 22.99% APR
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties
Terms 6 months 36 to 84 months (3 to 7 years) 12 to 84 months (1 to 7 years)
Min. Credit Score Check City doesn’t pull a traditional credit check, and if you have a low credit score you can still apply for a Check City personal loan 660 600

 

When you think of loans you often think about the requirements you need to meet in order for you application to get approved. But you have loan requirements too! Everyone is looking for something different in a personal loan, like the ability to refinance the loan later, or the ability to get the loan right away. You can find all these key qualities with a Check City Personal Loan!

Whatever your own personal loan requirements might be, you should always study up on what features each loan provides before making a choice.

 
READ MORE
Learn more about the usefulness of loans, “The Usefulness of Loans from Large to Small.”

Budget like a boss by reading, “Budgeting in 4 Easy Steps.”

Book Review: The Total Money Makeover by Dave Ramsey

book review

Dave Ramsey is a best selling author of many popular self-help books about getting your finances together. He’s inspired many with his simple, no-hassle philosophies on how to manage money. He also has a radio talk show called the Dave Ramsey Show, that you can listen to anywhere you listen to podcasts. He even started his own company built on his financial philosophies called Financial Peace University. Dave Ramsey and his colleagues have loads of resources you can find helpful in your own personal money management journey. Whether you are managing a household or a small business, Dave Ramsey has the financial advice you need to be successful and smart with your funds.

Today we’re going to take a focused look into one of Dave Ramsey’s most prolific publications, The Total Money Makeover: A Proven Plan for Financial Fitness. You’ve heard of fitness journeys and makeovers that change your style into something fresh and new, but Dave Ramsey takes all that and puts a financial spin onto it. With Dave Ramsey’s baby step plan you can exercise your financial abilities in ways you never thought possible and finally get into shape where your wallet is concerned.

What Kind of Book is The Total Money Makeover?

book cover

The Total Money Makeover is written as a self-help book. It’s even been compared to popular self-help books like, Your Best Life Now and 7 Habits of Highly Effective People because of the reader-friendly way it is written. It’s an engaging book with lots of real-world examples and stories from real people who have actually gone through Dave Ramsey’s baby steps and seen results. These short anecdotal stories throughout the book help all of Dave Ramsey’s concepts make clear common sense.

The book also includes a lot of motivational help along with the tips and advice. One of the biggest factors that holds people back from taking full control over their finances is the proper motivation and encouragement to make necessary changes to their lifestyle. Dave Ramsey helps with that too, giving you the fresh outlook you need to understand your goal and the rewards you can gain.

Dave Ramsey is also a Christian, so his books often have a religious undertone. So you may find him referencing Bible verses every so often in this book, and tackling religious views and practices with regard to money as well.

What’s in the Book?

The Total Money Makeover is essentially a step-by-step guide for how to go about your own personal money makeover journey. These steps are based on Dave Ramsey’s key money philosophies. Dave Ramsey has strict beliefs about not ever using debt, loans, or credit cards. He believes that our society today is too dependent on credit and that true financial freedom only comes when you live a completely debt free life. So the first steps in his plan are all about helping you get out of debt, and then setting you up to never get into debt again.

Simple and straightforward advice.

Dave Ramsey’s book became so popular probably because of how easy it is to follow his clearly set plan. Each step is specific enough to leave no doubts about what exactly you need to do, making his plan one that anyone can follow and find success. It also helps that he is never vague about his advice, but rather he is extremely straightforward, open, and honest.

Dave Ramsey has no get-rich-quick schemes. He’s more about using honest work, responsibility, and common sense to reach your goals. So you won’t find any crazy secrets to financial stability and success in his book, you’ll just finally learn to implement the basics in a way that really works.

A change in perspective.

Another reason people enjoy Dave Ramsey’s teachings is because he doesn’t pretend that money is what brings happiness. He’s realistic and believes that money is a tool to create stability and contentment in our lives, not the secret solution to all our problems.

He eloquently tackles many mental barriers and misconceptions many of us have about money, and works to not only change your behavior with money, but your perspective about money as well. One thing he talks about a lot is getting over the need to “keep up with the Joneses.” Often in life we compare ourselves to others in unhealthy ways, and sometimes those comparisons can lead us to make poor financial decisions for superficial reasons. So, when you read the Total Money Makeover be prepared to gain a whole new outlook on the purpose of money, and break free from comparing yourself to others.

The Money Makeover Baby Steps:

The main event of this self-help read are the baby steps the reader can take to reach financial peace and freedom. You can read a more detailed article about each of the 7 baby steps that Dave Ramsey will go through in this book, but we’ll go over a quick outline of those steps here too.

Emergency Fund

The first step in Dave Ramsey’s 7 step plan is to basically get your financial life in order. The road to stability starts by setting up your finance in a certain way. This begins with setting up an emergency fund. You can start with at least $1,000 in your emergency fund but eventually you’ll want to work your way toward having at least 6 months’ worth of expenses in your emergency fund at all times.

Debts

Once you start getting your emergency fund in place, it’s time to focus all other monetary efforts toward annihilating all your debts. He goes into more detail about this in the book. For example, he suggests you start with your smallest debts first and work your way up to your larger ones. He also recommends you save paying off your mortgage for last. But eventually the idea is to throw everything you can at your debts until they are all completely wiped out.

Build Wealth

Now it’s time to build wealth and continue saving. Since Dave Ramsey argues you should pay for everything in cash, continually building up your financial stores is an important aspect of the Dave Ramsey lifestyle. You have to have enough in savings to cover all your costs completely with cash.

In the book Dave Ramsey goes into more detail about what savings you should prioritize. He advises that you first complete your 6 months’ worth emergency fund if you haven’t gotten there already. Then he suggests you work toward saving for retirement and (if you have kids or plan on having kids) your children’s college funds.

Things You Can Do Differently:

Dave Ramsey’s primary goal in all of this is to help people get out of crippling debt and stay out of it. But there are modifications you can make to his more rigorous financial plan.

You can choose how much you want in your emergency fund.

If you’re a college student then putting aside even $1,000 may be more difficult for you. But that’s ok! Just put aside what you can. Even just adding $5 to $10 a month into an emergency fund is better than having no emergency fund at all.

Likewise, if you’re more settled in life it might be easier for you to put even more than $1,000 aside into an emergency fund. It really doesn’t matter how you do it, what matters most is that you start accumulating that safety fund in order to be more prepared for surprise expenses in the future.

You can still use credit cards and loans.

Dave Ramsey may believe in using only cash to pay for things but there are advantages to using credit cards and installment loans. When used responsibly using credit can help boost your credit score and get you the things you need to have a comfortable life. Credit cards can also provide lots of perks outside of boosting credit scores. Some credit cards come with special points that can go toward paying for things like groceries and traveling. So long as you understand your limits and include loans and credit payments in your carefully calculated budget and financial plans, you’ll be just fine.

Should I Read This Book?

You may now be wondering whether you should give this book a read or not. You should definitely read this book if . . .

  • you are in debt
  • you have trouble managing your money or realizing where your money goes
  • you have trouble making a budget

If you are looking for a book with more specific details about financial topics (like investing, or small businesses) then you should check out Dave Ramsey’s other books that go more in depth on complex financial topics. The Total Money Makeover doesn’t expound upon these topics too much since it was written more as a beginners guide to Dave Ramsey’s financial baby steps.

 

READ MORE

Check out some other helpful reviews about Dave Ramsey’s book, the Total Money Makeover:

Review: The Total Money Makeover

The Total Money Makeover Review

Goodreads


Dave Ramsey’s 7 Baby Steps

dave ramsey baby steps

Are you trying to get out of debt? Do you want more financial stability and freedom? Are your finances one of the bigger stresses in your life right now? If any of these sentiments apply to you then Dave Ramsey’s 7 baby steps might be just what you need to cure your money blues.

Table of Contents

Step 1: Start an Emergency Fund
Step 2: Focus on Debts
Step 3: Complete Your Emergency Fund
Step 4: Save for Retirement
Step 5: Start a College Fund
Step 6: Pay Off Your House
Step 7: Build Wealth

Dave Ramsey is a guy who, through personal experience, was able to get out of debt and find financial peace of mind. He is now a financial expert with courses and books to help the everyday person get in control of their finances.

The best place to start when trying to regain control over your finances and achieve a full “money makeover” is to start with his 7 step plan. This plan has 7 baby steps that you follow to reach more financial stability and get to the point where you can start building wealth.

Step 1: Start an Emergency Fund

car maintenance

The first step in Dave Ramsey’s 7 step plan is, “Save $1,000 for Your Starter Emergency Fund.”

One of the main reasons people struggle with money is because necessary emergency expenses (like medical bills, car bills, or home repairs) come out of nowhere and drag you deeper and deeper into debt. But if you are preemptively prepared for these surprise expenses then they won’t take you off guard again.

So the very first thing you should do when getting your money in line is to get an emergency fund started. Save up an emergency fund in a separate bank account, until you have at least $1,000 in the account. This will be the start of the emergency fund that will keep sudden necessary expenses from plunging you into deep debts because you weren’t prepared.

Step 2: Focus on Debts

debts

The second step in Dave Ramsey’s plan is to “Pay Off All Debt (Except the House) Using the Debt Snowball.”

The snowball method that Dave Ramsey refers to here means that you start by paying off small debts first, and work your way up to the bigger debts. Debts can include paying off your car, credit card debts, and student loans.

First, make a giant list of all your debts, every single one, except for your mortgage if you have a house. Then, put your list of debts in order from the smallest debt amount to the largest. Then you go through knocking out each debt by eliminating the smallest debts first and working your way up to the largest debt last.

Step 3: Complete Your Emergency Fund

medical bills

The third step is to “Save 3 to 6 Months of Expenses in a Fully Funded Emergency Fund.”

Now that you’ve gotten all your debts out of the way, it’s time to finish your emergency fund. You can use the same money you were using to pay off debts each month and put it toward your emergency fund until it has enough to cover 3 to 6 months’ worth of expenses and bills. Then you’ll really be prepared for anything.

Reasons to Have an Emergency Fund

  1. If you lose your job.
  2. You won’t have to worry because you’ll have enough to last you 6 months. This will give you the time you’ll need to find a new job.

  3. If your car breaks down.
  4. You’ll be able to pay for the necessary repairs, the tow truck, or even for a new car in some cases.

  5. Medical bills.
  6. Don’t let your health and necessary medical bills keep you from staying afloat financially.

  7. Home repairs.
  8. If something happens to your home you’ll be able to fix the problem rather than living with it.

Having an emergency fund is THE key to keeping you out of debt in the future. After getting yourself out of debt, an emergency fund is what will keep you from getting back into debt in the future.

Step 4: Save for Retirement

retirement

The fourth step in the Dave Ramsey plan is to, “Invest 15% of Your Household Income in Retirement.”

After your debts are gone and your emergency fund is taken care of, it’s time to start seeing to other important savings like a 401K. Dave Ramsey recommends you take 15% of your gross monthly income and put it toward a retirement fund each month. To figure out how much you should be putting into your retirement fund each month, take your monthly income and multiply that number by 0.15.

Step 5: Start a College Fund

college funds

The fifth step to Dave Ramsey’s plan is to, “Save for Your Children’s College Fund.”

Avoiding student loan debts can be one of the biggest factors in staying out debt as a young adult. If you can pay for your kids college tuition then you’ll ensure their financial security in the future, as they’ll better be able to stay out debt. Dave Ramsey recommends using either a 529 college savings plans, or an education savings accounts (ESA). Talk to your bank or credit union about setting up these accounts for these specific purposes.

Step 6: Pay Off Your House

mortgage

The next to last step in this 7 step plan is to, “Pay Off Your Home Early.”

Put all the extra monthly income you have into your mortgage so you can finish paying it off early. After this step you will officially have no debts whatsoever! All of your earnings will go to you instead of getting drained away in large debts and payments.

Step 7: Build Wealth

wealth and legacy

Finally, it is time to, “Build Wealth and Give.”

Congratulations! Once you’ve reached the 7th step in Dave Ramsey’s Baby Steps, you can start focusing on building your wealth and leaving a legacy. Don’t forget to keep and maintain those financial safety nets like a healthy emergency fund, retirement account, savings account, and college funds.

Now you are officially in charge of your money rather than it being in charge of you.

Financial freedom is possible for you! Everyone can do it and Dave Ramsey’s 7 baby steps can help you get there. Dave Ramsey also has other resources that can help you implement this plan. You can participate in Dave Ramsey’s program, books, and podcasts.

You can take the actual course with Financial Peace University.

Dave Ramsey also has a free customized plan and assessment that you can do right now, in just 3 minutes!

Listen to the Dave Ramsey Show anywhere you listen to podcasts or radio.

 
Dave Ramsey’s 7 baby steps to financial freedom can help you with so many aspects of your life. They can help you decide when to buy a house or help you get situated for saving for a house. It’s a checklist program that can help you get rid of loans and debt (like student loans), or even help you get to where you can budget for a wedding.

Another way you can get some needed financial help is to take out an Installment Loan at Check City! Installment loans can help you stay on top of your bill payments and avoid late fees, which can really hurt your long-term financial goals.
 

READ MORE

Browse Dave Ramsey’s online store for more great financial resources to help you on your financial journey.

Read more helpful articles on the Dave Ramsey Blog

Learn more about the debt snowball, “How the Debt Snowball Method Works.”

Read Dave Ramsey’s full article on his 7 baby steps, “What Are the Baby Steps?

Stay out of debt through college by using these tips, “How to Stay Debt Free through Grad School.”


Discover Personal Loans

Discover offers Personal Loans of up to $35,000. But with a 660 Credit Score requirement and 36-Month Minimum is it the right loan for you?

Not all loans are created equal. Each loan has their own features and requirements. That is why it’s important to do a bit of research while you’re shopping for loans before you pick one, so you get the loan that makes the most sense for your own personal needs.

Discover Personal Loans: A Quick Look

Discover offers personal loans from $2,500 to $35,000, with an APR range from 6.99% to 24.99%, and no origination fees or closing costs. They also offer longer payback periods from 36 to 84 months, and you don’t need a co-signer to apply for their personal loans.

Maximum Personal Loan: $35,000

Rates: 6.99% to 24.99% APR

Fees: There are no origination fees and no closing costs

Terms: 36 months up to 84 months, or 3 to 7 years

When: 1 to 7 business days. The soonest you can expect your personal loan funds to drop into your account would be by the next business day, and this is only if your application goes through smoothly without errors, and is submitted on a weekday. So funds can sometimes take up to 7 days to get to you, depending.

Basically, the Discover personal loan is a large, long-term loan, often used when you have lots of debts
to consolidate into one place. It’s a personal loan for those who are ready to make a larger commitment.

Who are Discover Personal Loans Perfect For?

The discover personal loan is great if you need to consolidate heavy debts with high interest rates. It’s also a good loan if you need a larger loan for things like major home improvements or college tuition. If you need a larger, more long-term loan and you meet the below requirements, then this loan may be perfect for you.

  • If you have a credit score of 660 or higher
  • If you need a larger loan amount
  • If you need a long-term, 3 to 7 year loan
  • If you need to consolidate larger debt amounts

Who Should Not Get a Discover Personal Loan?

If you don’t meet the above requirements, or you’re just looking for a quicker, smaller personal loan, then you may want to keep shopping for your perfect loan. If any of the listed items below represent you, then you should consider a different personal loan provider.

  • If you need a smaller loan
  • If you don’t want locked into a 3 to 7 year commitment
  • If you want the added safety of a cosigner
  • If you need your loan quickly
  • If you have a low credit score
  • If you make less than $25,000 a year
Discover Personal Loans Pros and Cons List

Though personal loans with Discover may be a great option for some, there are some reasons they may not be the best loan fit for others.

Pros Cons
They can send the personal loan funds straight to your creditors Your payback term has to be at least 3 years
There are no origination fees or closing costs They do have late payment fees of $39
You can get very large loan amounts Your loan has to be at least $2,500
You don’t need a cosigner You need a minimum credit score of 660

An Alternative to Discover Personal Loans

Check City offers a different kind of personal loan. So if the features and requirements present in a Discover personal loan don’t work for you, a Check City personal loan might be your answer.

Reasons to Get a Check City Personal Loan:

family

  • Check City is a direct lender
  • Check City is also a state licensed lender
  • The application process is quick and simple
  • You don’t need a high credit score to apply
  • There are no origination fees
  • You can get your loan TODAY
How to Apply for a Check City Personal Loan

Check City personal loans are incredibly easy to use. Just visit the Check City Personal Loan Page and you can quickly apply for your loan online, at a nearby Check City store, or even over the phone!

All you need to apply for the loan is:

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

Apply for a Check City Loan Online by clicking HERE.

Find a conveniently located Check City Store by clicking HERE.

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

Check City personal loans have a fast and easy process, and if you go into a Check City store to apply, you can actually walk out with your personal loan funds that very same day! Check City personal loans are great for loan customers that need a quick, easy to use, smaller personal loan that they can pay back in a matter of months instead of years. They’re also a great loan option for customers with lower credit scores since Check City doesn’t pull a traditional credit report when processing your application.

LOAN COMPARISON CHART

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000
Rates lower APR than our payday loans 6.99% to 24.99% APR 5.49% to 22.99% APR
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties
Terms 6 months 36 to 84 months (3 to 7 years) 12 to 84 months (1 to 7 years)
Min. Credit Score Check City doesn’t pull a traditional credit check, and if you have a low credit score you can still apply for a Check City personal loan 660 600

 

When you think of loans you often think about the requirements you need to meet in order for you application to get approved. But you have loan requirements too! Everyone is looking for something different in a personal loan, like the ability to refinance the loan later, or the ability to get the loan right away. You can find all these key qualities with a Check City Personal Loan!

Whatever your own personal loan requirements might be, you should always study up on what features each loan provides before making a choice.



READ MORE
Learn more about the usefulness of loans, “The Usefulness of Loans from Large to Small.”

Budget like a boss by reading, “Budgeting in 4 Easy Steps.”

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