Installment Loans Online at Check City

Get more flexibility with the best installment loans online at Check City.
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Installment loans are loans with a more flexible repayment plan. Instead of paying back your loan all at once, schedule smaller payments on a regular basis like once a month.
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How Installment Loans Online Work

Step 1: Apply for a loan online and fill out a short, secure application.
Step 2: A Check City Representative will contact you shortly after your application has been submitted.

How Installment Loans Work in Stores

By visiting a Check City Store location you can walk away with your loan in hand that very same day.

Step 1: Walk into a convenient Check City Location.
Step 2: Fill out an application.
Step 3: If approved, walk away with cash.

What is Required for an Installment Loan?

  • Basic Contact Information
  • Government ID
  • Check or Bank Statement
  • Proof of Income

If you are getting an installment loan in the state of Colorado some additional items will be necessary to apply. See the Colorado Rates and Fees Page for more details.

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The Benefits of a Check City Installment Loan

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With installment loans online, you can quickly get the money you need when you need it, now with a more flexible payment plan. This loan will let you enjoy longer loan terms, more manageable payments, and other loan options designed to work for you.

Direct Lenders for Installment Loans

Check City is a direct lender for installment loans. As a direct lender, Check City provides installment loans directly to their customers. Enjoy a simpler loan process and less hassle by using a direct lender like Check City.

Quick Application

Get your loan as quickly as possible. Fill out an application online or visit your neighborhood's Check City Store today.

No Prepayment Penalty Fees

Check City wants to help all our customers be successful. So we make it easy for you to prepay your loans without any unnecessary fees. Check City rewards our customers for being great loan customers.

Repay in Flexible Installments

They are designed to grant customers more flexibility and control over the way they borrow. Longer loan terms help you get the monthly loan payments you need to get the funds you need without breaking the bank. Instead of choosing the lump sum repayment terms of payday loans, get larger loan amounts and smaller repayment terms.

Longer Terms

At Check City, you can enjoy longer and more manageable loan terms. Instead of repaying your loan in a matter of weeks like with a payday loan, this loan lets you take out funds for longer amounts of time. Depending on the state you're in, you can borrow for up to 10 months at a time.

Predictable Payments

Like all of Check City's loans, your loan will come with terms and disclosures. This loan disclosure will outline your payment schedule. The loan terms will factor in any loan rates or fees, allowing your monthly payments to be predictable and consistent.

Frequently Asked Questions

What is an installment loan?

The word "installment" means one part of a larger sum. Installment loans are a type of loan sum that gets divided into more affordable payments that are then scheduled to be repaid over a set period of time, unlike payday loans that are often repaid in one lump sum. 

Installment loans online are a useful financial service because they come with clear borrowing terms, and their payments are planned out, scheduled, and organized. With installment loans online you can take loan convenience to the next level by doing the application and payments all online.

What is required for an installment loan?

Applying for an installment loan online at Check City is incredibly easy. All you need to bring with you for your loan application is:

  • Basic Contact Info
  • Government ID
  • Social Security Number
  • Check or Bank Statement
  • Proof of Direct Deposit
  • Proof of Income
  • Verified Telephone Number

How much can I borrow? 

How much you can borrow will depend on several factors. To find out how much you can borrow, apply today and see how much you qualify for.

How long do I have to pay it back?

The loan is set up on a 6-month term, and payments coincide with your regular pay dates.

Can I refinance?

Refinancing is available for customers who qualify. After your first successful loan payment, you can refinance your loan anytime to access credit that is still available to you.

Can I make early payments? 

Yes, customers have the option to make early payments. Customers can pay off the loan amount faster by paying early.

Can I make larger payments? 

Yes, customers have the option to make larger payments in order to pay the loan off quicker. For payments that are larger than the scheduled amount due, the extra payment will be applied toward the principal loan amount.

Can I make partial payments?

Yes, customers have the option to make partial payments. Partial payments are first applied to the finance charge and then the principal loan amount. 

The due date will not be extended unless the entire finance charge and the entire principal amount have been paid. A partial payment can be accepted whether the customer is on time or late.

*Check City currently offers installment loans in Utah, Colorado, Idaho, Missouri, Nevada, Texas, and Wisconsin.

The details of your installment loan may depend on the state you live in. For more details about the rates, fees, terms, and conditions that apply to your installment loan find your state on the Check City Locations Page