If you need fast cash that very same business day, then try our in-store loans. By getting a loan at one of our 70+ locations nationwide, you can walk out with cash the same day. For online loans, you should receive your proceeds by the next business day if your agreement is signed prior to 7:00 pm Mountain Time (MT).
With a short-term loan from a reputable payday loan organization, you can avoid paying late, overdraft, over-the-limit, and reconnection fees. Avoiding these fees might even help protect your credit score from the negative impact these fees can have.
A payday loan also gives you access to fast cash, so you can take advantage of great sales or limited-time offers that you would otherwise miss if you waited until your next paycheck.
One of the primary aspects of the Check City Difference is impeccable customer service. We believe in treating our customers with respect and care. We want to foster healthy relationships with our communities and do whatever we can to help you and your family.
Here at Check City, we want to have a working relationship with the states we operate in by adhering to all state laws. That is why we are a state-licensed and registered lender and not an offshores lender or tribal model lender.
Having a state license lets our customers know we are a responsible and safe lender. So you can have peace of mind knowing that we are doing everything right by your state. For more information about licensing, rates, and fees specific to your state, check out our Rates and Fees Page.
Check City has been in business since 1986. In this time, we have helped many people meet their financial needs. Check City also has a Shopper Approved rating of 4.8 out of 5. This rating comes from a pool of more than 50,000 ratings with more than 42,000 5-star reviews!
The best online payday loans come from direct payday loan online lenders. Check City is a direct lender, so when you borrow from Check City, you deal directly with Check City representatives. Using direct lenders instead of indirect lenders can help the online payday loan process be as simple as possible.
When taking out a loan, borrowers want to know they are safe and that their information is secure. Check City sets security measures in place to keep our website and your information safe.
Payday loans should be used for short-term financial needs only, not as a long-term financial solution. If you are experiencing credit difficulties, we encourage you to seek credit counseling. Although we strive to assist every applicant, not all loan applications will be approved.
A payday loan, or a cash advance, is an advance on your next paycheck. You take out a small, short-term loan and repay it when you receive your next paycheck. By doing this you can get the funds you need from your next paycheck sooner.
Payday Loans should be used for short-term financial needs only, not as a long-term financial solution. If you are experiencing credit difficulties, we encourage you to seek credit counseling. Although we strive to assist every applicant, not all loan applications will be approved.
Check City holds the check until your next payday or some other date you specify and then cashes the check to repay the loan.
Check out our Check City Personal Loans for your larger loan needs.
Yes! Check City is licensed and registered in each state where it operates and is the direct lender of your loan (with the exception of Texas where we are licensed as a Credit Service Organization. We service your loan through an affiliated short-term loan provider). That means if we approve your loan it will be issued and serviced by Check City.
ACH Transaction stands for an Automatic Clearing House Transaction. It is a method of electronically depositing or withdrawing funds from an account. If your paycheck is directly deposited into your account, it is done by ACH.
Loan amounts are determined on an individual basis. Your credit limit will depend on a number of factors—like your monthly income, how much you’ve already borrowed, and other creditworthiness factors.
Many states have limits on the amount you can borrow. For more information please check the Annual Percentage Rate Disclosure for your state.
The total cost of credit is always clearly outlined to you according to the Federal Truth in Lending Regulations. You will find all the information about the Annual Percentage Rate (APR), the finance charge, the interest rate, and the total amount you are required to repay in the terms and conditions of your loan agreement.
Late fees, returned item/NSF fees, or ongoing interest may apply if you fail to pay your loan on time.
We will not charge you hidden fees that are not fully disclosed in your loan agreement. Visit our Check City Online Rates and Fees Page for information about rates in your state.
A borrower may make partial payments on the principal owed on the loan without incurring additional charges.
Yes, you can make prepayments and partial payments on a loan.
If you decide you do not want your loan within 24 hours of being approved, you may rescind your loan at no charge as long as you return the loan proceeds in accordance with the terms listed in your loan agreement.
We encourage you to reduce the principal of your loan by making early payments to potentially reduce the finance charges you may incur at refinance.
There are several options for paying back your loan. You can pay in person, over the phone, with cash, or with a *debit card if you don’t want the check deposited. You can pay back the loan online through an automatic withdraw directly from your bank account.
*Certain conditions and restrictions may apply. Please contact a Customer Service Representative at (800) 404-0254 for details.
Once you’ve filled out the application the loan approval process only takes a few minutes for an in-store loan application. Getting the loan approved and having cash in hand usually only takes about 15 minutes.
For an online loan application, you can expect your funds to drop into your account within one business day of being approved. Please see your loan disclosure for specific details.
After successfully completing your first payday advance loan, additional loans are easy to request. Simply go back to any Check City location and request a new loan.
We remind consumers that payday advances should be used for short-term financial needs only and not as a long-term financial solution. Consumers who are experiencing credit difficulties should seek credit counseling. In addition, some states require a cooling-off period between payday loans or otherwise restrict the frequent supply of payday loans to a consumer.
For additional information regarding your state’s governance on cash advance loans please contact a Check City Customer Service Representative.