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Payday Loans Online and at a Store Near You

Payday doesn’t always come when you need it. But with a fast and convenient payday loan from Check City, you don't have to wait.
A payday loan, also known as a payday cash advance, is a small, short-term loan that is paid back all at once when the borrower's next paycheck arrives. They are a smaller loan term option meant to help borrowers get the funds they need from their next paycheck sooner. 
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How to Get a Payday Loan Online

Step 1: Fill out the loan application.
Step 2: Check City will review the application. Some additional documents may be needed to complete the application process.
Step 3: If approved, you'll sign the contract and funds will be deposited into your bank account the following business day.


Your cash advance funds will then be deposited directly into your account in the next 24 hours or given to you in cash. Approval after 7:00 pm Mountain Time (MT) will be funded in 2 business days.

How Same Day Payday Loans Work in Stores

Step 1: Walk into a conveniently located Check City store and fill out an application.
Step 2: Write a personal check for the amount you need plus our standard fee.

Check City holds the check until your next payday, or some other date you specify, and then cashes the check to repay the loan.
Step 3: Walk away with cash upon approval.

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).

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Payday Loan Requirements

  • Basic Contact Information
  • Government ID
  • Social Security Number
  • Check or Bank Statement
  • Proof of Income
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The Benefits of Check City Payday Loans

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. 

Great Customer Service

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.

We’re a State Licensed Lender

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.

Our Credentials and Reliability

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!

We’re a Direct Payday Loan Organization

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.

We Keep Our Customers Safe

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.

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