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Personal Loans that are Convenient and Affordable

While Payday Loans and Title Loans are a great fit for many people, we understand that sometimes you are looking for something different. At Check City we are always looking for better ways to meet your short-term financial needs, which is why we created the Check City Personal Loan.

Whether you need $300 or $3,000 a Check City Personal Loan will give you the cash you need, at a lower APR than our payday loans! Check City Personal Loans are currently available for our Utah customers both online and at any of our store front locations.

Apply Online, at a Check City Location near you, or Over the Phone and get your personal loan underway in just a few minutes!

Phil Personal Loan Review “We were in a serious pinch and without Check City we would have been in some serious trouble. They got us the money in a really fast time frame, so we really appreciate them. They were great to work with; they were really courteous and kind to us so we would recommend them in a heartbeat if you need money.”

Our Personal Loans Offer:

  • Lower APR than our Payday Loans
  • Quick Application
  • Affordable Payments
  • Pay Back Over Time
  • Only Pay for the Days You Use
  • No Origination Fees

How to Get a Personal Loan in Store:

  1. Walk into a convenient Check City Location and fill out an application.
  2. We review your application.
  3. Walk away with CASH upon approval!

How to Get Personal Loans Online:

  1. Fill out the easy application found here.
  2. Select “Personal Loan” when prompted.
  3. We review your application
  4. Within one business day your funds will be direct deposited into your account upon approval.

How to Get Personal Loans by Phone:

  1. Call our Loans By Phone number at (800)404-0254
  2. Speak with a Check City representative to fill out your application over the phone.
  3. Get approved.
  4. Within one business day your funds will be direct deposited into your account upon approval.

What is Required for a Personal Loan?

  • Government Issued ID
  • Proof of Bank Account
  • Proof of Direct Deposit
  • Proof of Income
  • Valid Phone Number

Next Day or Same Day Personal Loans

If you apply for an in store Personal Loan you can walk away with cash upon approval the same day. For Personal Loans Online, if your loan agreement is signed prior to 7:00 PM Mountain Time you should receive your loan proceeds by the next business day. Any loan agreements that are approved after 7:00 PM Mountain Time will not fund the next day, but the following business day.

Rudy Got The Personal Loan “I got the loan to help out my son, and they were very courteous. I thank them. I was able to get the loan that I needed to help out my son with no problems. I am a retired veteran, I appreciate it. Thank you.””

What is a Personal Loan

A personal loan is a type of installment loan, meaning that once you are approved, you receive the proceeds of the loan or cash all at once, and then you repay it on either a monthly, semi-monthly, or biweekly basis according to the terms and payment plan of your loan agreement.

A personal loan can be taken out for your own personal reasons. Many other kinds of loans require certain reasons or explanations to the bank about why you are taking out a loan. But a Check City Personal Loan doesn’t have to be used for any specific purpose, granting you freedom in how to spend your money.

Why You Should Get a Personal Loan from Check City

  • More Time to Repay Your Loan
  • Quick Application
  • Only Pay for the Days You Use
  • No Origination Fees When you Set up ACH Payments
  • Affordable Payments- By spacing out the loan payments over a 6-month period Check City is able to offer more affordable payments. Each personal loan payment that you make goes toward the principal (your initial loan amount) as well as interest, so 6 months later your loan is paid in full!
  • Lower Interest Rates
  • Easy Refinancing Options- If you find that you need more money, then after you’ve made the first successful payment on your personal loan you can refinance your loan anytime to access credit still available to you.
  • We are a Direct Personal Loan Lender- Because Check City is a direct lender, we can give you more flexibility in the terms of your loan. Other lenders will try and tell you they are direct lenders because they connect you to direct lenders, but this is not the same thing. Check City doesn’t connect you to other lenders, we are the lender (link to direct lending section on new payday loans page). Borrowing from a direct lender like us will give you a special level of personal customer service and care.
  • Instant Approval
    • If you go to other lenders and banks you waste time filling out long applications and attending stressful appointments with loan officers, only to get your loan denied. Then you have to do the whole process all over again! Instead, you can skip that whole process and just come to Check City for all your personal loan needs.
    • If you are not approved right away, don’t panic! We may just need some additional information from you. If this happens, one of our friendly support staff will contact you shortly to let you know what additional information we might need.
  • Fast Funds
    • If you need a same day personal loan you can apply for your loan at any of our Utah Store Locations and leave with your cash in hand.
    • If you are applying for an online personal loan, then once you are approved your money is deposited into your bank account the next business day.
  • Freedom in How You Spend- Banks will often times want collateral when offering personal loans or will want a say in how the loan will be used. Check City Personal Loans leave you the freedom to choose how you spend your personal loan.
Anna Loan Review “Just when you think you don’t have other options, try check city. They really look out [for you] and when I thought I couldn’t go anywhere else for help; they were there, and they approved me online.

My options to pay the money back is great. They didn’t’ let me get the largest loan that I wanted, but that was safe, because I know that I am able to pay them back the next time I get paid. So again, if you need a loan, go to check city first. They will really help.”


How Personal Loans Work

Feel free to watch the video below to learn more about how our personal loans work:

What is a Personal Loan and How do Personal Loans Work?

Michelle Check City Review “Check city has made things happen for me wonderfully. It has helped me through a lot of crisis helped me through a lot of times. And I have never had a problem with Check City.

Check City is awesome, and I appreciate you so much. Thank you for being there for always being there for me in my financial time of need. You are #1 in my book, thanks!”


Why You Might Need a Personal Loan

The convenience of the personal loan is that they can be used for many different reasons. Whether you need a short-term loan for personal or professional reasons, the Check City Personal Loan can provide the funds you need. Below are just a few examples of reasons some people choose to take out a personal loan.

Personal Expenses

You can use a Check City Personal Loan for any kind of personal expense or purchase. You can literally take it out for any personal reason. Some examples might be for . . .

  • Medical Bills
  • Utility Bills
  • Rent
  • Home Improvements and Repairs
  • Moving
  • Vehicle Repairs

Business Expenses

Personal loans can also act as a small business loan. They can help entrepreneurs and other business owners with their business’ financial needs. We understand that often businesses are launched and sometimes kept afloat with personal funds of the business owner so whether you need to make payroll or buy extra materials for a big job you’re doing; a personal loan can help start, expand, or maintain your business.

Personal Loans for Bad Credit

Having a bad credit score can make a person’s life difficult on many levels. One of the things bad credit can make difficult is getting loans when you need one. Even if you have bad credit you can still apply for a personal loan with Check City.

Daivon Check City Testimonial “Check City was great, and amazing. I refer a lot of people to use Check City they are easy and convenient, and they work with you. Go try them out they are great!”


Other Common Questions

What’s the difference between a Payday Loan and a Personal Loan?

  • A payday loan is a short-term loan with the full balance due on your next pay date.
  • A personal loan has a longer term (6 months), allowing more time to pay off the loan. Personal loans also have an option to refinance for more credit or to lower payments, and Check City Personal Loans have a lower APR than our payday loans.

What do I need to qualify for a Personal Loan?

  • Government Issued ID- A driver’s license, state ID, and passport are a few examples of acceptable forms of ID.
  • Proof of an Open and Active Bank Account with Direct Deposit- You can attain this proof with a bank statement, a blank check, or an online banking statement.
  • Proof of Direct Deposit- You can show you have direct deposit with bank statements and online banking statements.
  • Proof of Income- You will need to show that you have verifiable income of 90 days or more. You can show that you have this income with your paystubs, an offer letter, or proof of direct deposit for your paychecks.
  • Valid Phone Number- This can be the number to any working mobile or home phone.

Can I use my prepaid debit card to qualify for a Personal Loan?

Currently, we are not setup to use prepaid accounts to qualify customers for a personal loan.

How much can I borrow?

Our goal is to help you get approved for the maximum credit amount possible. We use a number of underwriting tools to determine credit eligibility and to establish a credit limit. We can let you know what you qualify for in just a few minutes online or in one of our stores.

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.

What are the fees?

  • If you sign up for automatic payments the Annual Percentage Rate (APR) on a personal loan would be approximately 388%. For example: A $500 loan over a period of 182 days with 13 bi-weekly payments (every 14 days) would have a payment of $89.24 with an APR of 387.92%.
  • There is NO origination fee
  • There is NO early payoff fees

Can I make my payments early?

Yes. Payments are applied toward accrued fees first and then to the principal. The payment will satisfy the next scheduled automatic payment so if you pay early with cash or your debit card, the automatic payment will not come out of your account. Customers can make payments for their loan at any time by logging in online , calling, or visiting a store.

Joann Loan Review “I am here to recommend Check City for your loan needs. They were very professional, helped me out when I needed it really bad, and they’ve been nothing but good to me so if you want to check out Check City go to and the process is simple and the people on the customer service line are very professional so I would highly recommend them.

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