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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.”

*The information found in this article comes from the lenders’ websites and NerdWallet reviews at the time of posting.

Capital One Personal Loan

Capital One does not offer Personal Loans, but they do offer other useful services we’ll highlight below. But if you need the Flexibility of a Personal Loan you should definitely check out the Check City Personal Loan!

Does Capital One offer personal loans? No, Capital One does not currently offer personal loans.

It is actually not uncommon for banks to not offer personal loans, like Capital One. Instead Capital One offers other financial products that are worth looking into. They have bank accounts, credit cards, auto loans, and even financial services for your business. But Capital one does not have a personal loan option. There’s no need to worry though, because we’ll highlight where else you can find a personal loan later on in this article.

Capital One Credit Cards: A Quick Look

Pros Cons
Travel and cash rewards Lower credit scores receive the higher rates
Offer cards for businesses 13.74% to 26.99% APR range
Offer cards specifically for students Some cards have an eventual annual fee of $95

Capital One Auto Loans: A Quick Look

Pros Cons
You can finance or refinance a car

There is a minimum monthly income required from $1,500 to $1,800
You can get prequalified

You can’t already have any overdrafts or late payments with Capital One
Loan terms are from 24 to 84 months

Minimum loan amount is $4,000

Basically, Capital One is a great option for traditional banking services. You can use them to have a checking or savings account, get a credit card, or finance your auto loans. They’re also an option for financing your business. But if you need a small loan that you’re free to use for your own personal reasons then you’ll need to keep looking for your perfect loan.

Who are Capital One Loans and Credit Cards Perfect For?

Capital One is a perfect choice for more traditional financial services like credit cards and auto loans. Capital One offers a variety of credit card options that work great for students, business owners, and travelers. Likewise, their auto loans are a worthwhile option if you’re looking to purchase or refinance a car. So if you need a large auto loan or some solid credit card options, and you meet the requirements below, then Capital One bank might be the right choice for you.

  • If you need a large auto loan
  • If you have a lot of travel expenses for tickets, hotels, and dining
  • If you’re a student or business owner
  • If you already have a Capital One account

Who Should NOT Get a Capital One Loan or Credit Card?

If the items mentioned above don’t apply to you, or you just need a fast, small loan for a personal reason, then don’t give up on looking! The perfect loan option for you is out there. If you’re looking for any one of the items listed below then you might want to consider a personal loan provider.

  • If you need a small loan
  • If you want to be done paying back the loan in as little as 6 months
  • If you don’t already have a Capital One account
  • If you need funds fast
  • If your credit score can’t afford the hit from a traditional credit check
  • If you need the loan for any number of personal reasons

An Alternative to Capital One Personal Loans

Check City offers a different kind of personal loan from other loan providers. So if Capital One’s more traditional financial services don’t suit your particular needs then look into a Check City personal loan. It might be exactly what you’re looking for.

Reasons to Get a Check City Personal Loan:

personal loan near me

  • 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

Applying for a Check City Personal Loans is a fast and easy process. 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 page. 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 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
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
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties depends no application fee depends
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
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

 

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.”

*The information found in this article comes from the lenders’ websites and NerdWallet reviews at the time of posting.

Bank of America Personal Loan

Bank of America offers a lot of services, but Personal Loans aren’t one of them. You can find auto loans, mortgages, credit cards with Bank of America but if you want the Flexibility of a Personal Loan you may have to look elsewhere for your loan.

Does Bank of America offer personal loans? The simple answer is NO, Bank of America does not currently offer personal loans.

Many banks don’t actually offer personal loans. Like many other banks, Bank of America also doesn’t offer personal loans. Instead Bank of America mainly offers saving and checking account services. The closest services to a personal loan they offer are credit cards, auto loans, and mortgages, but they don’t technically offer personal loans. But don’t worry because there are other personal loan options out there that we’ll hit on later.

Bank of America Credit Cards: A Quick Look

Pros Cons
they have credit cards specifically for students, low interest rates, to rebuild good credit, travel expenses, and to earn cash and point rewards balance transfers generally have a 3% fee
many of their cards have no annual fees some of their cards have an annual fee up to $95
many of their cards offer a 0% APR when you first get the card after the introductory period is over, APR rates can go from 14.74% up to 25.74%

Bank of America Auto Loans: A Quick Look

Pros Cons
their lowest APR rates are 2.99% to 5.99% the minimum loan amount is $7,500
they have no application fee they don’t finance certain vehicles
they’ll lock your rate for 30 days while you car shop you may need longer than 30 days to shop for a car
customers can get a discount of 0.25% to 0.50% you need to already be a Bank of America customer

Basically, Bank of America is a great place to go for your checking and saving account needs. They’re also a great service for a variety of credit card options auto loans. But if you are looking for a more flexible loan that you can use for a larger variety of personal reasons then you’ll need to look at other loan providers.

Who are Bank of America Auto Loans and Credit Cards Perfect For?

The Bank of America auto loan is great if you need to buy a new car or refinance your existing car payments. Likewise, Bank of America credit cards are great if you travel a lot and want to accumulate benefits for all the money you spend on traveling expenses. They also have some unique credit card options for students and those looking to boost their low credit scores. So if you meet the below requirements, then Bank of America may be perfect for you.

  • If you need a large auto loan
  • If you have a lot of travel expenses for tickets, hotels, and dining
  • If you’re a student in need of a credit card with benefits
  • If you already have a Bank of America account

Who Should NOT Get a Bank of America Auto Loan or Credit Card?

If you don’t meet the above requirements, or you’re just looking for a quicker, smaller loan that you can use for something besides a car, 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 Bank of America account
  • If you need your loan quickly, or that same day
  • If you have a low credit score
  • If you can’t afford a hard credit pull application on your credit score
  • If you have personal reasons beyond cars for needing a loan

An Alternative to a Bank of America Personal Loan

If an auto loan or credit card isn’t what you’re looking for then you can check out the Check City personal loan. Check City offers a different kind of personal loan from other lenders, allowing you to get funds quickly. So if you don’t meet the requirements present in Bank of America’s loan and credit services don’t worry! A Check City personal loan might be your answer.

Reasons to Get a Check City Personal Loan:

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. All you have to do is visit the Check City Personal Loan Page and fill out the quick online application. You can also stop by a nearby Check City store, or even talk to someone over the phone to fill out your personal loan application!

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 Personal Loan Online.

Visit a conveniently located Check City Store.

Talk to a representative by calling Check City’s Loans By Phone number: 800-404-0254

Taking out a personal loan at Check City is incredibly fast and easy to do. If you visit a Check City store in order to apply for your loan, you can actually walk away with your cash today! 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

Chase Auto Loans Bank of America Auto Loans
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $4,000 to $600,000 min. $7,500
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%
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties depends no application fee
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
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

 

Loans often come with requirements for whoever is applying for the loan. But loan borrowers have their own requirements as well. Some people want a loan that is easy to refinance, while others are looking for a loan they can get today. Whatever your loan requirements, it’s always wise to do a bit of reading whenever your shopping for a loan, so you can get the best 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.”

*The information found in this article comes from the lenders’ websites and NerdWallet reviews at the time of posting.

Chase Personal Loan

Chase offers a lot of services, but Personal Loans aren’t one of them. You can find auto loans and mortgages with Chase but if you want the Flexibility of a Personal Loan you may have to look elsewhere for your loan.

Does Chase offer personal loans? The simple answer is NO, Chase does not currently offer personal loans.

Many banks don’t actually offer personal loans. Like most banks Chase also doesn’t offer personal loans. Instead Chase mainly offers saving and checking account services. The closest services to a personal loan they offer are credit cards, auto loans, and mortgages, but they don’t technically offer personal loans. But don’t worry because there are other personal loan options out there that we’ll touch on later in this article.

Chase Credit Cards: A Quick Look

Pros Cons
some of their cards offer cash back and bonus points some of their cards only let you earn back on certain things like dining and travel
some of their cards let you earn back 1.5% to 6 times on purchases some of their cards have fees up to $95
some cards have no annual fees

Chase Auto Loans: A Quick Look

Pros Cons
you can refinance the loan you need to be a Chase customer with a checking account for refinancing options
loan terms are 12 to 84 months you might want to pay back the loan in less than a year
loan amounts are $4,000 to $600,000 you might need an even smaller loan
great for buying a new car or refinancing existing car loan not great for other personal reasons

Basically, Chase is a great place to go if you’re looking for auto loans in order to buy a new car, or if you’re looking for different credit cards that offer an array of benefits. But if you are looking for a more flexible loan that you can use for a larger variety of personal reasons then you’ll need to look at other loan providers.

Who are Chase Loans and Credit Cards Perfect For?

The Chase auto loan is great if you need to purchase a new car or refinance your car payments. Likewise, Chase credit cards are great if you travel a lot and want to accumulate benefits for all the money you spend on traveling expenses. If you need a large auto loan or credit cards great for travelers, and you meet the below requirements, then Chase may be perfect for you.

  • If you have a high credit score
  • If you need a large auto loan
  • If you have a lot of travel expenses for tickets, hotels, and dining
  • If you already have a Chase account

Who Should NOT Get a Chase Loan or Credit Card?

If you don’t meet the above requirements, or you’re just looking for a quicker, smaller loan that you can use for something besides a car, 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 Chase account
  • If you need your loan quickly, or that same day
  • If you have a low credit score
  • If you can’t afford a hard credit pull application on your credit score
  • If you have personal reason beyond cars for needing a loan

An Alternative to a Chase Personal Loan

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

Reasons to Get a Check City Personal Loan:

personal loan for you

  • 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

Chase Auto Loans
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $4,000 to $600,000
Rates lower APR than our payday loans 6.99% to 24.99% APR 5.49% to 22.99% APR depends
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties depends
Terms 6 months 36 to 84 months (3 to 7 years) 12 to 84 months (1 to 7 years) 12 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

 

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.”

*The information found in this article comes from the lenders’ websites and NerdWallet reviews at the time of posting.

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.”

*The information found in this article comes from the lenders’ websites and NerdWallet reviews at the time of posting.

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.

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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.

1. 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.

2. 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.

3. 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.


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Review: The Total Money Makeover, by Dave Ramsey

The Total Money Makeover Review, by Dave Ramsey

Goodreads, The Total Money Makeover Review

The Best Books by Dave Ramsey

dave ramsey books

Dave Ramsey is a New York Times bestselling author, and a radio show host on The Dave Ramsey Show.

You can find his books wherever you buy books and you can listen to his radio show wherever you listen to podcasts or the radio. All of his books are also on Amazon, where you can find the kindle versions for your e-reader, or audiobook versions so you can learn all about finances on the go.

Table of Contents:

When getting into Dave Ramsey’s books people often wonder which book they should start with? If you want to read Dave Ramsey’s books in order there are a couple of routes you can go. You can read them in the order he wrote them, or read them in order of the things you learn in each book.

Dave Ramsey’s Books in Chronological Order:

If you want to read all of Dave Ramsey’s books in order, you can follow this master list of all his books so far.

1992 – Financial Peace

1993 – Dumping Debt: Breaking the Chains of Debt

1998 – The Financial Peace Planner

1998 – More Than Enough

1999 – More Than Enough: The Ten Keys to Changing Your Financial Destiny

2000 – How to Have More Than Enough: A Step-by-Step Guide to Creating Abundance

2002 – Cash Flow Planning: The Nuts and Bolts of Budgeting

2002 – Financial Peace for the Next Generation

2003 – The Total Money Makeover

2003 – The Great Misunderstanding: Unleashing the Power of Generous Giving

2004 – The Money Answer Book

2008 – Relating with Money: Nerds and Free Spirits Unite!

2011 – Dave Ramsey’s Complete Guide to Money

2011 – Dave Ramsey’s High Performance Achievement: Accomplishing the Extraordinary

2011 – EntreLeadership: 20 Years of Practical Business Wisdom from the Trenches

2014 – Smart Money Smart Kids

2014 – The Legacy Journey: A Radical View of Biblical Wealth and Generosity

Dave Ramsey Kid Books: Life Lessons with Junior

kid books

4.38 stars on Goodreads

Life Lessons with Junior is a series of children’s books written by Dave Ramsey. In them, he goes over all the most basic concepts of money management. Following Junior’s adventures can teach your kids all about monetary responsibility in clear simpler terms they’ll understand. He goes over everything from spending, debt, saving, work, giving, contentment, and integrity. Don’t miss out on gracing your household shelves with these great childhood reads with life lessons your kids will keep with them all their lives.

Smart Money Smart Kids

smart money smart kids

4.26 stars on Goodreads

Smart Money Smart Kids is a book that Dave Ramsey wrote with his daughter, Rachel Cruze. It is a book that teaches parents all about how to teach their kids about money. Part of good parenting is preparing your kids to be responsible, independent adults someday and a big part of being an adult is knowing how to manage your money. In this book, Dave Ramsey and his daughter will tell you all about how to raise kids who are smart about their money.

If you’re looking for something from Dave Ramsey that can specifically help your teens, check out his article, “A Teenager’s Guide to Building Wealth.”

Dave Ramsey also has a great recommendation for a college 101 bundle that includes Debt-Free Degree by Anthony O’Neal and The Graduate Survival Guide by Anthony O’Neal and Rachel Cruze.

Financial Peace

financial peace

4.31 on Goodreads

Financial Peace is one of Dave Ramsey’s first books, but he has since revisited the book, renaming it, Financial Peace Revisited: New Chapters on Marriage, Singles, Kids, and Families. This newer edition of his first book now includes more information for married couples, singles, children, and families. This book is also where he introduces the KISS rule, which stands for “Keep It Simple, Stupid.” It’s about getting out of debt and staying out of debt and the idea that you should use contentment to make your financial decisions. It also goes over how to manage money flow and investing.

One of the primary keys to understanding your finances and being able to take control of them is to manage the flow of your money. A lot of people just let money flow as it does, not really thinking too much about where it’s coming from and where it disappears. But if you learn to take full control of where all your funds are going then the problem of disappearing funds won’t happen to you and you can find financial peace.

The Total Money Makeover: A Proven Plan for Financial Fitness

total money makeover

4.28 stars on Goodreads

A large part of what makes makeovers so fun is the joy of reaching your goals and having a different life and a different you at the end of your journey. But have you ever thought about going on a similar makeover journey with your finances? Dave Ramsey will show you how.

The Total Money Makeover may be one of Dave Ramsey’s most popular books. He talks about some of his most famous money tips all while debunking myths about money. He brings a simpler, more straight forward approach to money management that anyone can understand and utilize in their life, no matter their financial situation. Dave Ramsey says that this book can work every time, all you have to do is follow his steps.

Complete Guide to Money

complete guide to money

4.44 stars on Goodreads

In this comprehensive guide Dave Ramsey goes over all his basic financial tips and lessons—How to Budget with Dave Ramsey, how to save, how to get out of debt, how to invest, mortgages, insurance, marketing, bargain hunting, and giving. Anything you want to know when it comes to money, you can find in this master guidebook.

The Money Answer Book

money answer book

3.82 stars on Goodreads

The Money Answer Book is a quick read with questions and answers to more than 100 common money questions! It’s a fast guide that goes over budget planning, retirement planning, shopping tips, saving for college, giving to charity, and so much more. If you need something you can quickly leaf through to find the answers you’re looking for.

How to Have More than Enough: A Step-By-Step Guide to Creating Abundance

more than enough

4.11 stars on Goodreads

How to Have More than Enough is the newest version of Dave Ramsey’s earlier book, More than Enough. Once you have gotten out of debt, he has more down to earth advice about building wealth. Dave Ramsey’s perspective is unique because he doesn’t just talk about monetary wealth, he talks about having a wealth of happiness. He takes it a step further by talking about finding wealth in relationships and in your family. In this book, he goes through 10 traits you need to be prosperous in life beyond your financial situations.

EntreLeardership

entreleadership

4.21 stars on Goodreads

In EntreLeadership Dave Ramsey talks about how he built his company, and how to be a strong leader. He talks about how to grow as a leader and the questions you should ask yourself in order to develop yourself. This book has doable, step-by-step guidance to follow to become a better leader and watch your business grow as you do.

He talks about inspiring and unifying your team, handling your business finances, and reaching your business goals. If you are making your own business and you need some pro tips about leadership, this book is what you want. But you can find great insights in this book no matter what you are doing with your life right now. If you are a parent you can use it with your family or at work, you can use it with your coworkers! This is because leadership is really all about functioning efficiently as a team and reaching your goals together.

What Books Does Dave Ramsey Recommend?

We’ve talked all about books that were written by Dave Ramsey, but what about books that Dave Ramsey recommends? There are many other great financial reads you can find on Dave Ramsey’s website. You can also read more about Dave Ramsey’s steps to reach financial steps by reading, “Dave Ramsey’s 7 Baby Steps.” Here are just a few book suggestions from Dave Ramsey:

Dave Ramsey’s Book Club

If you’re interested in really tackling your finances with Dave Ramsey’s sage wisdom you can actually join Dave Ramsey’s official book club! All you have to do is create an account on his website and then join the book club (fees may apply). Then, at the beginning of each month, you’ll receive Dave Ramsey’s book club book of the month in the mail. You’ll also get an email with details about when the live book discussion will happen on the private book club Facebook page along with a study guide to use as you read.

For more answers to any questions you may have about the Dave Ramsey book club, just visit the book club’s FAQs Page.

 
Dave Ramsey along with his many inspiring books have helped a lot of people get back on their feet financially. You can take on his financial fitness challenge too and manage your money like never before.

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.


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?

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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

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.

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.”


How to Write a Check

how-to-write-a-check

Not everyone uses checks on a frequent basis, so sometimes it helps to have a refresher on how to fill them out, just to make sure you get it right.

What is a Check?

Checks are a form of paper payment. They are a document that allows a bank to take money from the account of whoever wrote the check, to pay whoever is depositing the check.

Checks are a very useful financial resource. They come with their own unique properties and safety measures that make them a useful money tool to use more often.

How to Write a Check Out

check example

Listed below are all the different fields found on a check. You need to understand the purpose of each section in order to know how to fill each field out properly.

Field #1: Date

In the upper right hand corner you’ll find the date line. Usually you’ll just write the current date, but one of the great things about checks is that you can post-date it. This means you write a future date on the check to ensure it can only be deposited after the date you mark down.

So if you need to pay someone, but need them to wait until payday to deposit the check, you can still hand them the check now and just write a date after payday.

Field #2: Pay to the Order of

This line is where you write the name of who will be receiving the check. This might be the name of a person, or the name of a company or organization. For example, if you’re using a check to pay for groceries, then the name you’ll put here is the name of the grocery store.

Field #3: Dollar Box

In this box, you write the monetary amount of the check in numerals. So instead of writing “one hundred dollars” you write “100.00.”

Field #4: Dollars Line

Then there’s a line with the word “Dollars” at the end of it. Here is where you write the monetary amount of the check in words. So instead of writing “100.00” you write “one hundred and 0/100.”

Field #5: Memo Line

The memo is where you write a note about the check’s purpose. You can fill out this section for your own files, so that the check stub has what the check was used for written down. The memo section can also let the person receiving the check know what the check is meant to be used for.

You don’t have to fill out this section but it can be helpful to not forget why you wrote out the check in the first place.

Field #6: Signature Line

Here is where you sign the check.

Field #7: Numbers

The numbers at the bottom of the check are divided into 3 sections and show 3 different numbers. The first set of numbers is the routing number, the second set of numbers is the account number, and the final, shorter section of numbers is the check ID number for that individual check.

*Keep the check stub and use it for your files. The check stub is the thinner paper copy behind the check that gets written on as you write out the check. This gives you a hard copy of the check you wrote for your own checkbook.

How to Write a Check Amount

So how do you write numbers in words on a check? If you have any questions about how to write your specific amount you can take a look at the chart below. A printable number chart is also available by clicking here.

number to words conversion chart

Let’s quickly go over some frequently asked numbers to words questions:

How to spell 90: ninety

How to write a check for 1,000 dollars: In the Dollar box write, “1,000.00” and in the Dollars line write, “one thousand and 0/100.”

How to write a check for 1,500 dollars: In the Dollar box write, “1,500.00” and in the Dollars line write, “one thousand, five hundred and 0/100.”

How to write a check for 100 dollars: In the Dollar box write, “100.00” and in the Dollars line write, “one hundred and 0/100.”

How to write a check with cents

A lot of people have questions about how to write out cents for a check, but have no worries! This is the easiest part of the check because you can still write the cent amount out in numerals on the Dollars line:

After you write out the dollar amount in words, write “and” and then write the number of cents in numerals over 100. For example, if you want to write a check out for $100.50, you would write on the Dollar line, “one hundred and 50/100.”

How to Balance a Checkbook

checkbook example

In the back of your checkbook there is a check registry—extra pages with a chart to record key information from each transaction. Whenever you write a check, keep the check stub. This will make it easier to fill out the check registry later.

Field #1: Write the date on the check in this column.

Field #2: In the description column write the same thing you would write on the “Pay to the Order of” and the memo line. This column helps you know who you paid and why.

Field #3: In the “Payment/Debit” column write down the amount you paid.

In the Deposit/Credit column record deposits to your own bank account. Keeping track of both payments from your account, and deposits made to your account, will help you keep track of how much is in your bank account at all times.

In the Balance column keep track of your total account balance, adding deposits to your account, and subtracting transactions you’ve paid.

Field #7: Write out the check ID number. It’s the last couple of numbers at the bottom of the check.

Common Questions About Checks

If you don’t use checks very often you probably have more than a few questions about checks and how they work.

What are the fees for cashing checks?

If you cash your check at Check City, then our fees are based on the type of check that is cashed. Our rates start as low as 1.99% for in-state payroll and government checks. That means for payroll and government checks it only cost about $2 per $100.

What information do you need to cash a check?

We have you fill out a quick application and you need a photo ID.

Do I have to wait for the check to clear to get all my cash?

No, once we have verified the check we give you all your money right then.

Is there a limit to the check amount?

No, as long as we can verify it, we can cash it.

When do you use a check?

You can use a check anytime check payments are permitted. If it is a personal transaction, you can always ask the recipient if they are ok with receiving their payment in the form of a check.

Where can I get checks?

You can get checks from almost any bank or credit union where you have an account.

How to write a check to yourself

Sometimes when you need to transfer your own money, you’ll need to write yourself a check to yourself. Writing a check to yourself is super simple. You just write your own name on the “Pay to the Order of” line.

Hopefully checks don’t feel as unfamiliar to you now as they did before reading this article. As you can see, checks are very simple to use, and easy to fill out correctly. You just have to know the purpose of each section on a check and you’re good to go!

READ MORE
Learn more about the benefits of checks, “6 Advantages of Using Checks.”

See how cashed checks can actually help your finances, “Cashed Checks Improve Your Financial Situation.”


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