Check City |
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
Short-Term Loans

What happens if I default on my loan? 

If a check or ACH payment returns or your 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.

Short-Term Loans From Check City

Check City offers short-term loans in Virginia from $100.00 to $1,000.00. For more information about other products and services we offer, visit

How much does a short-term loan cost?

Check City offers short-term loans with an interest rate 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.

The Annual Percentage Rate (”APR”) is the cost of your loan expressed as a yearly rate. The actual APR of your Short-Term Loan may be higher or lower than

the one in the example, depending on how much you actually borrow and your actual repayment schedule.

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

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 setup 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 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.