Payday loans and title loans are great financial services, but they don't always fit your needs. That's why we offer the flexible Check City Installment Loan with clearly defined schedules and payment plans. 

Find answers to frequently asked questions about installment loans below.

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