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Get cash
Loans
Payday loans
installment loans
personal loans
title loans
Services
check cashing
alternative banking
tax services
Money Transfers
additional services
Cash Academy
Blogs
cash academy blog
loans 101
personal finance
taxes 101
career and business
get involved
Featured Articles
what is a payday loan?
What is an installment loan?
What is a personal loan?
what is a title loan
the beginner's guide to filing taxes
what is a tax refund advance?
Locations
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Online + Stores
Utah
Nevada
Virginia
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Online
Alabama
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California
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Wyoming
why check city?
About
About Check City
Contact Us
Reviews
careers
Members
Refer a Friend
members faq
small business resources
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Community Outreach
Check City Scholarship
Warm Hearts coat Drive
Shade Tree Fundraiser
Apply now
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Rates & Fees Virginia

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.
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Short-Term Loan
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‍Loan Amounts

$100 to $1,000

Check City offers short-term loans in Virginia from $100.00 to $1,000.00 with a term of approximately 4 months. The maximum interest rate of a Check City Short-Term Loan is 36%. In addition to the interest rate, a Monthly Maintenance Fee will be charged. The monthly Maintenance Fee is 8% of the amount borrowed or $25.00, whichever is less.

Monthly Maintenance Fee

Short-Term Loan Examples


Short-Term Loan FAQ
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What do I need to apply for a short-term loan? 

To apply for a Short-Term Loan with Check City you will need the following: 

  • Tax Identification Number (either social security number or ITIN) 
  • Proof of identification 
  • Proof of Income 
  • Open and active checking account 
  • Contact phone number 
  • Physical residence 

What happens if I default on my loan? 

If a check or ACH payment returns or the loan defaults you can contact Check City’s Payment Center at (804) 729-3601.

Is Check City a licensed lender?

Check City is licensed by the Commonwealth of Virginia.

Can I pay off my loan early?

Yes, you can repay your loan in full at any time with no prepayment penalty. Paying your loan in full prior to the final due date may result in a rebate of interest and fees.

Am I able to refinance my loan?

Yes, you are eligible to refinance your loan after your first successful payment.

How much does a short-term loan cost?

Check City offers short-term loans with an interest rate of up to 36%. In addition to the interest rate, a Monthly Maintenance Fee will be charged. The Monthly Maintenance Fee is 8% of the amount borrowed or $25.00, whichever is less.

How do I know how much I can borrow?

Your Short-Term Loan limit will be established once your application has been processed. Your limit will be based on:

  • The information provided on your loan application
  • Your income
  • Information received by third-party credit agencies
  • Past loan performance with Check City

Check City will lend up to $1,000.00. You may borrow any amount up to your loan limit. Note that limits may change if any of the items listed above change.

When are payments due?

Your payment will typically be set up to land on your pay dates (when you receive your income). Payment dates will be outlined in your loan agreement.

How do I pay back the loan?

When completing your loan, you can decide if you would like to authorize ACH debit payments or use a check as collateral.

Store Payments

You can go into the store any time on or before the payment due date and pay with cash or with a debit card.

Phone Payments

You can call the store any time on or before the payment due date and pay with a debit card over the phone.

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Available Services
Short-Term Loan
Short-Term Loan FAQ
Customer Service:
(800) 404-0254
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Payday Loans are also commonly referred to as Cash Advances, Payday Advances, Payday Advance Loans, and Fast Cash Loans. Check City may, at its discretion, verify application information by using national consumer loan underwriting databases that may include information relating to previous cash advance transactions that Check City may take into consideration in the approval process. Approval, products, and loan terms may vary based on applicant qualifications and applicable state or federal law. See Rates and Fees for specific information and requirements. Some customers applying for payday loans or installment loans may be required to submit additional documentation due to state law and qualification criteria. CheckCity.com provides loan services in: Alabama, Alaska, California, Colorado, Idaho, Kansas, Missouri, Nevada, Ohio, Utah, Wisconsin, and Wyoming. In Texas, CheckCity.com acts as a credit services organization/credit access business (CSO/CAB) and will not be the lender for loans obtained through this site; CheckCity.com will instead attempt to arrange a loan between you and an unaffiliated third-party lender.

Customer Notice: A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday advances are not recommended as long-term financial solutions. Loan proceeds issued through our website are generally deposited via ACH for next business day delivery if approved by 8pm CT Mon. – Fri.

This is an invitation to send a loan application, not an offer to make a short-term loan. This service does not constitute an offer or solicitation for payday loans in Arizona, Arkansas, Colorado, Georgia, Maryland, Massachusetts, New York, Pennsylvania, or West Virginia. Tosh of Utah, Inc. dba Check City Check Cashing, a payday lender, is licensed by the Virginia State Corporation Commission (License #PL-57). Anykind Check Cashing, LC. dba Check City, a payday lender, is licensed by the Virginia State Corporation Commission (License #PL-21).  The maximum funded amount for payday loans or installment loans depends on qualification criteria and state law. See Rates and Terms for details. Utah Customers: For consumer questions or complaints regarding payday loans and/or title loans you may contact our Customer Service Department toll-free at (866) 258-4672. You may also contact our regulator The Utah Department of Financial Institutions at (801) 538-8830. In California, CheckCity.com is licensed by the California Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law, Cal. Fin. Code D. 10.

Please see Rates and Terms to check the availability of online loans in your state. Check City does not provide loan services in all states.

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