Get a Cash Advance Loan

Apply today for a quick cash advance loan online or at a store near you with same-day and instant cash advance options available.
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A cash advance loan is a small, short-term loan that gets customers the cash they need quickly and conveniently, like a short-term payday loan, personal loan, or installment loan. Get the cash you need sooner and pay the small loan back on your next pay date.
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Over 39 Years of Top Rated Service

ratings updated Aug 2025

How to Get a Cash Advance Loan Online

Step 1: Fill out the loan application.
Step 2: Check City will review the application.
Step 3: If approved, your funds can be directly deposited into your account or given in cash.

How to Apply 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.

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 Loans

With a short-term loan from a reputable cash advance lender, 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 same-day cash advance 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 Lender

The best online loans come from direct 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 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.

Cash Advances 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.

Frequently Asked Questions

What is a cash advance loan?

How do cash advance loans work?

When do I have to pay my loan back?

What are the rates and terms?

Can I repay my loan early?

Can I make larger payments than what's due?