Check City |
California
Financial Services
Below we have outlined the features, terms, rates, and fees for all the financial services available to Check City customers in this state. For more information, contact Check City and speak to a customer service representative.
all locations
Available Services
Payday Loan

Loan Amounts

The maximum loan amount for California residents is $255.

Based on your income and other factors, loan limits will be determined on an individual basis.

Loan Balances

Loan balance, including fees, cannot exceed $300.

Loan Terms

Maximum of 31 days

Permitted Fees

15% of the face value of the check. The fee charged for a deferred presentment loan is $17.65 per $100.00 borrowed.

Please see your loan agreement for the APR and other terms applicable to your loan.

Cooling Off Period

A customer may not enter into a new deferred deposit transaction within one business day of the completion of a previous deferred deposit transaction.

Example APR and Fee Schedule

The Annual Percentage Rate (“APR”) will vary depending on the length of your loan (see table below). The table below shows the Annual Percentage Rate (“APR”) and Fees Charged for loan amounts ranging from $50 to $255 and loan terms ranging from 14 to 30 days in length.

Finance Charge: $17.64 per $100 borrowed

Non-Sufficient Funds Fee: $15

Please see your loan agreement for the APR and other terms applicable to your loan.

Additional Information

Your Right to Rescind (Cancel) this Loan

A borrower may rescind a deferred presentment service agreement without cost for any reason, not later than the close of business on the business day following the date of the deferred presentment service transaction.

A customer cannot be criminally prosecuted or threatened with criminal prosecution to collect a delinquent deferred deposit transaction.

California law only allows each consumer to have one (1) deferred deposit loan with CheckCity.com at a time.

For additional information on payday loans in California: 

California Department of Financial Protection and Innovation Brochure (English)

California Department of Financial Protection and Innovation Brochure (Español)

Loan License, Registration, and Certificates

We are licensed and regulated by the California Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law.

Address: 

Financial Services Division

1515 K Street, Suite 200 

Sacramento CA 95814

Phone: (866) 275-2677

CCO California, Inc. is not currently offering loans under the Finance Lender License. Updates to our website will be made when these loans are available.

Below you can find the certifications, licenses, and registrations that Check City works under in order to give our customers the best financial products we can provide.